Collections/Payins - Bank Transfer

We provide the following product/services via API to merchants for collections across channels

Environment Urls

Sandbox: https://devbox.paydestal.com/pay
Prod:    https://api.paydestal.com/pay

• Virtual Accounts

• Card Processing

• USSD Processing

• Pay Redirect

Pay with bank transfer (PWBT)

We have Dynamic / One time Orders. These are orders with Bank Accounts issued to receive payment once. PayEvery Dynamic account expires after 48 hours and the accounts are reassigned to new payment orders.

curl --location 'https://devbox.paydestal.com/pay/api/v1/create-payment-order' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer {your client secret key}' \

--data '{
    "transactionReference": "0000ef2c242a-93a1-4ef9-b991-fac1221adecb",
    "customerName": "Jon Joe",
    "customerMobile": "09068036798",
    "amount": "500",
    "acceptExactAmount": true,
    "currency": "NGN"
}'

Request Body

Name	Type	Description
transactionReference	String	Unique Reference String
customerName	String	Name of Customer
customerMobile	Phone	Phone Number
amount	Double	Amount
currency	String	NGN
acceptExactAmount	Boolean	true or false
customerEmail	Email	Email

Response

{
    "responseCode": "201",
    "responseMessage": "Payment Order Created Successfully!",
    "data": {
        "accountName": "Jon Joe",
        "accountNumber": "1254554932",
        "bankCode": "000017",
        "bankName": "WEMA BANK",
        "accountReference": "PYDN-20240623172414-33875443722",
        "createdAt": "2024-06-23 18:24:14",
        "currency": "NGN",
        "customerName": "Jon Joe",
        "paymentReference": "0000ad0415df-aafc-45a8-8955-897e1d852b2d",
        "amount": 500.0,
        "acceptExactPayment": true,
        "period": "MINUTE",
        "duration": 4320
    },
    "success": true
}

Reserved Virtual Account Number

Our Reserved virtual accounts are virtual accounts that can receive multiple payments.

curl --request POST \
  --url https://devbox.paydestal.com/pay/api/v1/create-reserved-virtual-account \
  --header 'Authorization: Bearer {your client secret}' \
  --header 'content-type: application/json' \
  --data '{
  "customerName": "Job Georg",
  "customerMobile": "080000000",
  "bvn": "{bvn}",
  "dob": "YYYY-MM-DD",
  "customerEmail": "[email protected]",
  "address": "{address}"
}'

Response

{
  "responseCode": "201",
  "responseMessage": "Virtual Account Created!",
  "data": {
    "accountNumber": "9252993418",
    "reference": "5e13cea9-0010-4e49-a18f-28601981d931",
    "accountName": "Rahma6irltd",
    "accountType": "INBOUND",
    "bankName": "WEMA BANK",
    "bankCode": "000017",
    "email": "[email protected]",
    "phone": "080000000",
    "active": true,
    "creationDate": "YYYY-MM-DD HH:ss"
  },
  "success": true
}

Request Sample

curl --request POST \
  --url 'https://devbox.paydestal.com/pay/api/v1/card/init?clientId=PYD1zwzyrwabig' \
  --header 'Authorization: Bearer {your client secret}' \
  --header 'content-type: application/json' \
  --data '{
    "reference": "99939589999968678",
    "amount": 10.00,
    "currency": "USD",
    "callbackUrl": "{your callback url to redirect on completion}",
    "customerName": "Jon Doe",
    "customerEmail": "[email protected]",
     "customerPhone": "08030000000",
     "cardDetails": {
     "expiryMonth": "01",
     "expiryYear": "39",
     "cvv": "100",
     "cardNumber": "4508750015741019"
  }

}'

Request Body

Name	Type	Description
reference	String	Unique Reference
amount	Double	e.g. 10.55
currency	Enum	Values ["NGN","USD"]
callbackUrl	Url	https://example.com
customerName	String	Name of Customer
customerEmail	Email	Emall
customerPhone	Phone	e.g 08039000000