Transfer

Ideal for: Customers who prefer to move money from their own banking app. SeerBit generates an account number for the payment and confirms when the transfer lands. This payment method allows your customers to make payments through bank transfer. SeerBit generates a bank account number for that specific payment, and confirms once the transfer lands.

Paying more than once? This account exists for a single transaction. If the same customer will pay you repeatedly, reserve them a virtual account instead — a permanent number they can save and pay into any time. See the comparison.

Before you use these endpoints

These endpoints are for merchants who want to build their own checkout. You collect the payment details in your own interface and send them to SeerBit, deciding for yourself how the payment experience looks. If you would rather not build and maintain that, use Simple Checkout or Standard Checkout instead — SeerBit renders the payment interface, supports every method, and takes on the compliance burden.

You calculate the fee, not SeerBit

The hosted checkout works out the transaction fee and shows it to the customer. These endpoints do not. SeerBit charges exactly the amount you send. So if your dashboard is set so the customer bears the fee, you must calculate that fee and include it yourself. If you don’t, the fee comes out of your settlement instead — you will receive less than you charged.

Fee bearer	Hosted checkout	These endpoints
Merchant	Send your amount; the fee is deducted at settlement	Send your amount; the fee is deducted at settlement
Customer	Checkout adds the fee for you	You add the fee yourself

Set the fee bearer in your dashboard settings, and see transaction fees for how the two models differ.

How methods are selected

Every payment method uses the same endpoint — what changes is the paymentType you send and the extra fields that method needs.

POST https://seerbitapi.com/api/v2/payments/initiates

Method	`paymentType`	Extra fields
Card	`CARD`	`cardNumber`, `cvv`, `expiryMonth`, `expiryYear`, `pin`
Transfer	`TRANSFER`	—
USSD	`USSD`	`bankCode`
Mobile money	`MOMO`	`network`, `voucherCode`
Bank account	`ACCOUNT`	`clientAppCode`, `redirectUrl`

Authentication

All payment method calls are authenticated with a bearer token, generated from your public and secret keys.

POST https://seerbitapi.com/api/v2/encrypt/keys

Authentication

How to generate the token, and which credential every other SeerBit API expects.

Initialising a transfer Payment

For the full specification, see our API Reference POST

https://seerbitapi.com/api/v2/payments/initiates

Request Sample

The code snippet below shows an example request for generating a bank account number to complete a payment

curl --location 'https://seerbitapi.com/api/v2/payments/initiates' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer YOUR_ENCRYPTED_KEY' \
--data-raw '{
    "publicKey":"YOUR_PUBLIC KEY",
    "amount":"100",
    "fullName": "Jane Doe",
    "mobileNumber": "0887522256",
    "email":"youremail@domain.com",
    "currency": "NGN",
    "country": "NG",
    "paymentReference": "dsffererer",
    "callbackUrl": "http://checkout-seerbit.surge.sh",
    "redirectUrl": "http://checkout-seerbit.surge.sh",
    "paymentType": "TRANSFER"
}'

var request = require('request');
var options = {
  method: 'POST',
  url: 'https://seerbitapi.com/api/v2/payments/initiates',
  headers: {
    'Content-Type': 'application/json',
    Authorization: 'Bearer YOUR_ENCRYPTED_KEY'
  },
  body: JSON.stringify({
    publicKey: 'YOUR_PUBLIC KEY',
    amount: '100',
    fullName: 'Jane Doe',
    mobileNumber: '0887522256',
    email: 'youremail@domain.com',
    currency: 'NGN',
    country: 'NG',
    paymentReference: 'dsffererer',
    callbackUrl: 'http://checkout-seerbit.surge.sh',
    redirectUrl: 'http://checkout-seerbit.surge.sh',
    paymentType: 'TRANSFER'
  })
};
request(options, function (error, response) {
  if (error) throw new Error(error);
  console.log(response.body);
});

<?php

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://seerbitapi.com/api/v2/payments/initiates',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS =>'{
    "publicKey":"YOUR_PUBLIC KEY",
    "amount":"100",
    "fullName": "Jane Doe",
    "mobileNumber": "0887522256",
    "email":"youremail@domain.com",
    "currency": "NGN",
    "country": "NG",
    "paymentReference": "dsffererer",
    "callbackUrl": "http://checkout-seerbit.surge.sh",
    "redirectUrl": "http://checkout-seerbit.surge.sh",
    "paymentType": "TRANSFER"

    }',
  CURLOPT_HTTPHEADER => array(
    'Content-Type: application/json',
    'Authorization: Bearer YOUR_ENCRYPTED_KEY'
  ),
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

Response Sample

The code snippet below shows an example response showing bank account details

{
  "status": "SUCCESS",
  "data": {
    "code": "00",
    "payments": {
      "paymentReference": "dsfr55266tyt5554y166",
      "walletName": "SEERBIT(Merchant Name)",
      "wallet": "9979878249",
      "bankName": "Providus Bank",
      "accountNumber": "9979878249"
    },
    "message": "ACCOUNT OPENED SUCCESSFULLY"
  }
}

Get Started

Accept Payments

Payment Methods

After a Payment

Payouts & Wallets

Platforms & Marketplaces

In-Store Payments

Reference

Before you use these endpoints

You calculate the fee, not SeerBit

How methods are selected

Authentication

Authentication

Initialising a transfer Payment

Request Sample

Response Sample

​Before you use these endpoints

​You calculate the fee, not SeerBit

​How methods are selected

​Authentication

Authentication

​Initialising a transfer Payment

​Request Sample

​Response Sample

Before you use these endpoints

You calculate the fee, not SeerBit

How methods are selected

Authentication

Initialising a transfer Payment

Request Sample

Response Sample