Bank Transfer

How to use BankTransfer to submit a payin in Nigeria.

Payin by BankTransfer

POST https://gateway-test.pagsmile.com/trade/pay

This endpoint allows you to submit a payin by BankTransfer in Nigeria.

Headers

Name	Type	Description
Content-Type*	string	application/json; chartset=UTF-8
Authorization*	string	Basic Base($app_id:$security_key)

Request Body

Name	Type	Description
app_id*	string	created app's id at dashboard - Max. 32 chars -
method*	string	Fixed value: BankTransfer
out_trade_no*	string	ID given by the merchant in their system - Max. 64 chars -
notify_url*	string	Where Pagsmile will send notification to
return_url	string	Redirect to Merchant's url when user finished checkout
timestamp*	string	yyyy-MM-dd HH:mm:ss - Max. 19 chars -
order_amount*	string	payment amount - 100 - 10,000,000 NGN -
order_currency*	string	Fixed value: NGN
subject*	string	payment reason or item title - Max. 128 chars -
content	string	payment reason detail or item detail - Max. 255 chars -
buyer_id*	string	merchant user's id
customer.email*	string	User's email

200 submit successfully

{
    "code": "10000",
    "msg": "Success",
    "prepay_id": "V2VNU **** B8F7Fe",
    "trade_no": "20240603***81",
    "out_trade_no": "out_tr****000",
    "web_url": "",
    "trade_status": "PROCESSING",
    "due_date": "2024-06-03T23:59:00",
    "beneficiary": {
        "bank_id": "232",
        "bank_name": "Sterling bank",
        "number": "5206227023",
        "name": "Korapay-PAG"
    } 
}

400 duplicate out_trade_no

{
    "code": "40002",
    "msg": "Business Failed",
    "sub_code": "duplicate-out_trade_no",
    "sub_msg": "out_trade_no is duplicate"
}

Example

curl --location --request POST 'https://gateway-test.pagsmile.com/trade/pay' \
--header 'Authorization: Basic MTYyNTgyOTIxNDUzMTY2Mzg6UGFnc21pbGVfc2tfZDUwMWQ1ZGNkNTI5OGQ5N2MwNmUzYjI4YjA2OWZjZmY3NDU5ZjY2NzNiMjFjMTFlYTY3NDM5MDgzOTZkOTYxNQ==' \
--header 'Content-Type: application/json' \
--data-raw '{
    * "app_id": "162************38",
    * "out_trade_no": "202201010354008",
    * "method": "BankTransfer",
    * "order_amount": "150",
    * "order_currency": "NGN",
    * "subject": "trade pay test",
      "content": "trade pay test conent",
    * "notify_url": "http://merchant/callback/success",
      "return_url": "https://www.merchant.com",
    * "buyer_id": "buyer_0101_0001",
    * "timestamp": "2022-01-01 03:54:01",
    * "customer" : {
    *     "email": "[email protected]"
      }
      }'

Note: 162************38 is pagsmile's test app id for sandbox, and MTYyNTgyOTIxNDUzMTY2Mzg6UGFnc21pbGVfc2tfZDUwMWQ1ZGNkNTI5OGQ5N2MwNmUzYjI4YjA2OWZjZmY3NDU5ZjY2NzNiMjFjMTFlYTY3NDM5MDgzOTZkOTYxNQ== is authorization token associated with the test app id.

Please use your own app_id and generate your own authorization token when testing.