Bank Account Payment

Accept payments directly from your customers local bank account through a direct bank debit payment channel.
How it works
1.To initiate a direct bank debit payment, make a request to the account payments service with the payments/initiates endpoint.
2.When the request is made you are expected to get a pending response.
3.The response from banks differ, some banks will return with a redirect url while others will not.
4.When a redirect url is returned, you are expected to redirect to the link supplied which will take the customer to the bank page. On this page, customer is expected to enter the OTP sent to their registered phone number or email with the bank. After the OTP is submitted, SeerBit redirects back to the redirect url supplied by the merchant.
5.When the redirect url is not returned, the transaction would be awaiting validation.
6.To validate the transaction the customer gets an OTP( one time password) via the registered number with the bank or via email.
7.​Use the OTP entered by the customer and reference to call the payments/validate endpoint to complete the transaction.​
8.​Verify the payment​
Authentication
Request Body
Response Body
curl -X POST
https://seerbitapi.com/api/v2/payments/initiates
-H 'Content-Type: application/json' 
-H 'Authorization: Bearer {token}
{
	"publicKey":"merchantPublicKey",
	"amount":"2000.00",
	"fee":"10",
	"fullName":"John Doe",
	"mobileNumber":"08037456590",
	"currency":"NGN",
	"country":"NG",
	"paymentReference":"UYTRE234566677RDFGFDDSS",
	"email":"[email protected]",
	"productId":"Foods",
	"productDescription":"Uba Account Transaction ",
	"clientAppCode":"kpp64",
	"redirectUrl":"https://checkout.seerbit.com",
	"deviceType":"Apple Laptop",
  "sourceIP":"127.0.0.1:3456",
  "accountName":"John S Doe",
  "accountNumber":"1234567890",
  "bankCode":"033",
  "bvn":"12345678901",
  "dateOfBirth":"04011984",
  "retry":"false",
	"invoiceNumber":"1234567891abc123ac"
}
{
    "status": "SUCCESS",
    "data": {
              "code": "S20",
              "payments": {
                            "paymentReference": "UYTRE234566677RDFGFDDSS",
                            "linkingReference": "F320660611587911267617"
                           },
              "message": "Transaction is pending"
             }
}
Field
Description
Type
​
publicKey
This is available after sign-up 
dash board -> settings -> api keys.
String
Required
amount
Amount to be paid
String
Required
fee
Charge on transaction,  customer or merchant to bear
whom to bear this can be set on the dashboard by merchant
String
Optional
fullName
Customer name
String
Optional
mobileNumber
Customer phone number
String
Optional
currency
Currency to perform transaction
String
Required
country
Country the customer is performing the transaction
String
Required
paymentReference
Unique payment identifier, to be supplied by the merchant
String
Required
email
Customer's Email
String
Required
productId
Unique identification number for each product, To be supplied by the Merchant
String
Optional
productDescription
Narration of Transaction
String 
Optional
clientAppCode
Extra data
String
Optional
redirectUrl
Url to redirect to
String
Required
bvn
Customers' bank verification number. 
String
Optional
paymentType
Medium by which the payment transaction is made {ACCOUNT}
String
Required
deviceType
Customer device
String
Optional
sourceIP
Customer's IP Address
String
Optional
accountName
Customer's account name
String
Required
accountNumber
Customer's account number to debit
String
Required
Validate Transaction
This option is used to complete an account transaction, when OTP is required.
Authentication
Request Body
Response Body
curl -X POST
https://seerbitapi.com/api/v2/payments/validate
-H 'Content-Type: application/json' 
-H 'Authorization: Bearer {token}
{
	"linkingReference":"F320660611587911267617",
	"otp":"68871001"
}
{
    "status": "SUCCESS",
    "data": {
              "code": "00",
              "payments": {
                            "reference": "UYTRE234566677RDFGFDDSS",
                            "linkingreference": "F320660611587911267617"
                          },
               "message": "Successful"
             }
}
How do you want to integrate?
Simple Checkout
Standard Checkout
Libraries
E-commerce Checkout
​
Transfer
List Banks
Last modified 1yr ago
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