Introduction

Create order for bank-account based transactions.

API Description

Request Method:POST

Request Path:open/api/transfer/payment

Parameters

Request Parameters

Parameter	Sign	Mandatory	Type	Length	Description
appId	Y	Y	string	64	AppId is unique for merchant
sign	N	Y	string	512	Sign click here
merchantOrderNo	Y	Y	string	64	Merchant order number (must be unique)
amount	Y	Y	string	20	Order amount (unit as fiat currency, 1=1.00) Mexican Peso: `MXN` (supports two decimal places) Nigerian Naira: `NGN` (does not retain decimal places) Zambia Kwacha:`ZMW`(supports two decimal places) Bangladeshi Taka:`BDT`(supports two decimal places) Brazil:`BRL`(supports two decimal places) Vietnam:`VND`(does not retain decimal places) Philippines:`PHP`(supports two decimal places) Kenyan Shilling:`KES` (supports two decimal places) Egyptian Pound:`EGP`(supports two decimal places) India Rupee:`INR`(does not retain decimal places) Pakistani Rupee:`PKR`(supports two decimal places)
currency	Y	Y	string	20	Fiat currency (unit of amount)
email	N	Y	string	64	User email
userId	Y	Y	string	64	Email/ Phone number
userIp	Y	Y	string	64	User IP
feeType	Y	Y	string	32	Outer buckle: `OUTER_BUCKLE` User Buckle:`USER_BUCKLE`
callbackUrl	Y	Y	string	128	The address receiving order webhook
bankParam	N	N	object	1024	Bank account expend parameter
customParam	N	N	object	1024	Custom fields
remark	N	N	string	1024	Remark

PKR bankParam Expend Parameter

Parameter	Mandatory	Sign	Type	Length	Description
payMethod	Y	Y	String	32	Payment Method
bankCode	Y	Y	String	32	Bank Name
accountNumber	Y	Y	String	32	Mobile (JazzCash/EasyPaisa, 03XXXXXXXXX)

INR bankParam Expend Parameter

Parameter	Mandatory	Sign	Type	Length	Description
bankAccountNumber	Y	Y	String	32	Payee UPI VPA

KES bankParam Expend Parameter

Parameter	Mandatory	Sign	Type	Length	Description
accountType	Y	Y	String	32	Account type
bankCode	Y	Y	String	32	Bank / Wallet Code
bankAccountNumber	Y	Y	String	32	Account Number / Phone Number

EGP bankParam Expend Parameter

Parameter	Mandatory	Sign	Type	Length	Description
accountType	Y	Y	String	32	Account type
bankCode	Y	Y	String	32	Bank / Wallet Code
bankAccountNumber	Y	Y	String	32	Account Number / Phone Number

PHP bankParam Expend Parameter

Parameter	Sign	Mandatory	Type	Length	Description
productNumber	Y	Y	String	32	Product no
bankCode	Y	Y	String	32	Bank code, refers to Bank Transfer Account Form api response
bankAccountNumber	Y	Y	String	32	Bank Account Number/Card Number/E-Wallet Account Number

VND bankParam Expend Parameter

Parameter	Sign	Mandatory	Type	Length	Description
type	Y	Y	String	32	ACCOUNT_NUMBER/CARD_NUMBER
bankCode	Y	Y	String	32	Bank code, refers to Bank Transfer Account Form api response
bankAccountNumber	Y	Y	String	32	Bank Account Number/Card Number

NGN / MXN bankParam Expend Parameter

Parameter	Sign	Mandatory	Type	Length	Description
bankCode	Y	Y	String	32	Bank code, refers to Bank Transfer Account Form api response
bankName	Y	Y	String	32	Bank name, refers to Bank Transfer Account Form api response
bankAccountNumber	Y	Y	String	32	Bank Account Number (When user Choose NGN Opay, enter phone number, example:7012345678)

ZWM bankParam Expend Parameter

Parameter	Sign	Mandatory	Type	Length	Description
mobile	Y	Y	String	32	Mobile phone number(11-digit number)
payMethod	Y	Y	String	32	`BD_BKASH`/`BD_NAGAD`

BRL bankParam Expend Parameter

Parameter	Sign	Mandatory	Type	Length	Description
pixKey	Y	Y	String	64	CPF/CNPJ/Phone/Email/EVP

Request Parameter Example

{
  "appId": "TEST000001",
  "sign": "TEST000001",
  "merchantOrderNo": "11187",
  "amount": "10000",
  "currency": "NGN", //MSN,NGN,ZMW,BDT
  "feeType": "INNER_BUCKLE",
  "userId": "[email protected]",
  "userIp": "14.232.142.199",
  "email": "[email protected]",
  "callbackUrl": "http://127.0.0.1:8022/open/api/callback",
  "bankParam": {
    "bankCode": "123",
    "bankName": "Mock Bank",
    "bankAccountNumber": "032434**"
  }
}

Response Parameters

Parameter	Type	Description
success	boolean	Success
error	boolean	Error
code	long	Response code
msg	string	Response message
traceId	string	Trace id
model	object	Response content

Response Parameter Example

{
  "code": "0",
  "msg": "success",
  "model": {
    "amount": "6.45",
    "orderNo": "400017506670013450114"
  },
  "traceId": "68590ef3ef9bd17e8671b85313daf949",
  "success": true,
  "error": false
}

Request Signature Guidelines

Signature Mechanism Filter fields:

Remove the sign field from the request body.
Sort fields: Sort all remaining top-level parameters alphabetically by their keys (ASCII order).
Handle Nested Objects (Crucial): If a field contains a nested object (e.g., bankParam), do not stringify it to standard JSON. Instead, sort the inner keys alphabetically, join them with an ampersand (&), and append this raw string directly to the parent key.
Concatenate: Join all sorted top-level fields in a key=value format, separated by an ampersand (&).
Append Secret Key: Append the merchant secret key at the end of the string in the format of &key=YOUR_SECRET_KEY.
Generate signature

Signature Example

Original Request Body (JSON)

{
	"amount": "12345",
	"appId": "xxxxxxx",
	"bankParam": {
		"bankCode": "xxx",
		"bankAccountNumber": "2",
		"bankName": "Zenith Bank"
	},
	"callbackUrl": "https://xxx.com/callback",
	"currency": "NGN",
	"feeType": "OUTER_BUCKLE",
	"merchantOrderNo": "test1234",
	"sign": "XXXXX",
	"userId": "test1234",
	"userIp": "XX.XX.XX.XX"
}

Special Notice on Nested Objects

bankAccountNumber=2&bankCode=xxx&bankName=Zenith Bank

Constructed String for Signing

amount=12345&appId=xxxxxxx&bankParam=bankAccountNumber=2&bankCode=xxx&bankName=Zenith Bank&callbackUrl=https://xxx.com/callback&currency=NGN&feeType=OUTER_BUCKLE&merchantOrderNo=test1234&userId=test1234&userIp=XX.XX.XX.XX&key=XXXXX