## Table of Contents 1. [Overview](#overview) 2. [Getting Started](#getting-started) 3. [Authentication](#authentication) 4. [Integration Flow](#integration-flow) 5. [Step-by-Step Implementation](#step-by-step-implementation) - [Step 1: Get Categories](#step-1-get-categories) - [Step 2: Fetch Billers by Category](#step-2-fetch-billers-by-category) - [Step 3: Fetch Payment Items](#step-3-fetch-payment-items) - [Step 4: Validate Customer](#step-4-validate-customer) - [Step 5: Make Payment](#step-5-make-payment) - [Step 6: Query Transaction Status](#step-6-query-transaction-status) 6. [Field Reference](#field-reference) 7. [Amount Types](#amount-types) 8. [Response Codes](#response-codes) 9. [Test Data](#test-data) 10. [Examples](#examples) *** ## Overview The QuickTeller Bills Payment API enables merchants to integrate bill payment functionality into their applications. This service allows you to process payments for various services including: - Cable TV subscriptions (DSTV, GOTV, etc.) - Utility bills (Electricity, Water) - Insurance payments - Tax payments - Airline tickets - Donations - And many more... ### How It Works When a user pays for a service on your platform: 1. You charge the user's card/wallet for the transaction amount 2. You submit the payment details to the Bills Payment API 3. Interswitch charges your virtual card for the equivalent amount 4. Value is delivered to the customer's service account 5. You earn commission on each successful transaction *** ## Getting Started ### Prerequisites Before integrating, ensure you have: - A merchant account with Interswitch - Terminal ID for authentication - Access credentials (Client ID and Secret) - A virtual card linked to your account for settlements ### Base URLs | Environment | Base URL | | ----------- | ----------------------------------------------------------- | | QA/Testing | `https://qa.interswitchng.com/quicktellerservice/api/v5` | | Production | `https://orion.interswitchng.com/quicktellerservice/api/v5` | ### Architecture Flow

*** ## Authentication All API requests require a Bearer token. Generate your access token using the OAuth 2.0 client credentials flow. ### Token Generation **Endpoint:** `POST`[`https://qa.interswitchng.com/passport/oauth/token`](https://qa.interswitchng.com/passport/oauth/token) **Request:** ```bash curl --location 'https://qa.interswitchng.com/passport/oauth/token' \ --header 'Authorization: Basic ' \ --header 'Content-Type: application/x-www-form-urlencoded' \ --data-urlencode 'scope=profile' \ --data-urlencode 'grant_type=client_credentials' ``` **Headers:** | Header | Value | Description | | --------------- | ----------------------------------- | ---------------------------------------- | | `Authorization` | `Basic ` | Base64 encoded `client_id:client_secret` | | `Content-Type` | `application/x-www-form-urlencoded` | Request format | **Response:** ```json { "access_token": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...", "token_type": "bearer", "expires_in": 43199, "scope": "profile", "merchant_code": "MX52988", "merchant-wallet-actions": ["settle", "transact", "reverse"], "terminalId": "3PBL0001", "env": "TEST", "client_name": "QTSVA UAT", "email": "interswitchgroup@uat.com" } ``` **Important:** Tokens expire after approximately 12 hours (`expires_in` value in seconds). Implement token refresh logic in your application. *** ## Integration Flow The complete bill payment flow involves these steps: ``` Step 1: Get Categories │ ▼ Step 2: Fetch Billers by Category │ ▼ Step 3: Fetch Payment Items (optional for some billers) │ ▼ Step 4: Validate Customer │ ▼ Step 5: Make Payment │ ▼ Step 6: Query Transaction Status (optional) ``` *** ## Step-by-Step Implementation ### Step 1: Get Categories **Purpose:** Retrieve the complete list of service categories to understand what types of payments are available and identify which category contains your target service. **Description:** This initial step provides a high-level overview of all supported payment categories (e.g., Utility Bills, Cable TV, Mobile Recharge, Insurance, etc.). Each category includes a unique ID, name, and description to help you organize and present payment options in your application. **Endpoint:** `GET /services/categories` **Request:** ```bash curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/services/categories' \ -H 'Authorization: Bearer ' \ -H 'terminalId: ' \ -H 'Content-Type: application/json' \ -X GET ``` **Response:** ```json { "BillerCategories": [ { "Id": 1, "Name": "Utility Bills", "Description": "Pay your utility bills here", "Billers": [] }, { "Id": 2, "Name": "Cable TV Bills", "Description": "Pay for your cable TV subscriptions here", "Billers": [] }, { "Id": 3, "Name": "State Payments", "Description": "Pay state taxes", "Billers": [] }, { "Id": 4, "Name": "Mobile/Recharge", "Description": "Recharge your phone", "Billers": [] }, { "Id": 7, "Name": "Donations", "Description": "Donate to a worthy cause", "Billers": [] }, { "Id": 8, "Name": "Phone Bills", "Description": "Pay all post paid phone bills", "Billers": [] }, { "Id": 9, "Name": "Subscriptions", "Description": "Pay for your other subscriptions (like ISP) here", "Billers": [] }, { "Id": 12, "Name": "Tax Payments", "Description": "Tax Payments", "Billers": [] }, { "Id": 13, "Name": "Insurance/Smart", "Description": "Insurance Payments", "Billers": [] }, { "Id": 15, "Name": "Airlines", "Description": "Airlines", "Billers": [] }, { "Id": 19, "Name": "Microfinance", "Description": "Microfinance", "Billers": [] }, { "Id": 20, "Name": "Mobile Money", "Description": "Load your mobile wallet", "Billers": [] } ], "ResponseCode": "90000", "ResponseCodeGrouping": "SUCCESSFUL" } ``` **Key Points:** - The `Id` field is used to fetch billers in Step 2 - The `Billers` array is empty in this endpoint; use it for display purposes only - Categories may vary based on your merchant configuration *** ### Step 2: Fetch Billers by Category **Purpose:** Retrieve all available billers (service providers) within a specific category along with their configuration details. Alternatively you can get all billers available to the terminal **Description:** This step returns detailed information about each biller in the selected category, including customer input field labels, currency information, and amount handling rules. Use this data to dynamically build your payment forms. **Endpoint:** `GET /services?categoryId={categoryId}` , `GET /services` **Parameters:** | Parameter | Type | Required | Description | | ------------ | ------- | -------- | --------------------------- | | `categoryId` | Integer | Yes | The category ID from Step 1 | **Request:** Get billers by category: ```bash curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/services?categoryId=1' \ -H "Authorization: Bearer " \ -H "Content-Type: application/json" \ -H "TerminalID: " \ -X GET ``` Get all billers: ```bash curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/services' \ -H "Authorization: Bearer " \ -H "Content-Type: application/json" \ -H "TerminalID: " \ -X GET ``` **Response:** Billers by category: ```json { "BillerList": { "Count": 49, "Category": [ { "Id": 1, "Name": "Utility Bills", "Description": "Pay your utility bills here", "Billers": [ { "Type": "PHV", "Id": 17589, "PayDirectProductId": 4588, "PayDirectInstitutionId": 0, "Name": "Abuja Disco BuyPower", "ShortName": "AbjBuyPwr", "Narration": "Abuja Disco Buy Power Prepaid", "CustomerField1": "CustomerRef", "CustomerField2": "CustomerRef", "LogoUrl": "q.gif", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "abjbuypwr", "NetworkId": "buypower-uat", "ProductCode": "051760201", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 1, "CategoryName": "Utility Bills", "AmountType": 2 }, { "Id": 16921, "Name": "ABUJA ELECTRIC PREPAID", "ShortName": "AEPD", "Narration": "ABUJA ELECTRIC PREPAID", "CustomerField1": "ACCOUNT NO", "LogoUrl": "q.gif", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "aedc", "NetworkId": "6280510421", "ProductCode": "6280515222", "CategoryId": 1, "CategoryName": "Utility Bills", "AmountType": 0 } ] } ] }, "ResponseCode": "90000", "ResponseCodeGrouping": "SUCCESSFUL" } ``` Billers available to terminal: ```json { "BillerList": { "Count": 271, "Category": [ { "Id": 9, "Name": "Subscriptions", "Description": "Pay for your other subscriptions (like ISP) here", "Billers": [ { "Type": "", "Id": 157, "PayDirectProductId": 3521, "PayDirectInstitutionId": 0, "Name": " Multichoice Dealer POS Payments", "ShortName": "MCNDLRN", "Narration": " Multichoice Dealer POS Payments", "CustomerField1": "SmartCard No", "LogoUrl": "eryttvg", "Surcharge": "10000", "CurrencyCode": "840", "CurrencySymbol": "USD", "QuickTellerSiteUrlName": "multichoice", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "SmallImageId": "399cc2f1-d1e4-4df7-829e-77a3a8033d68", "MediumImageId": "399cc2f1-d1e4-4df7-829e-77a3a8033d68", "AmountType": 0 }, { "Type": "", "Id": 17605, "PayDirectProductId": 4618, "PayDirectInstitutionId": 0, "Name": "Benue State IRS Test", "ShortName": "BenueIRS", "Narration": "Benue State IRS Test", "CustomerField1": "NT", "LogoUrl": "q.gif", "Surcharge": "10000", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "ben", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "AmountType": 0 }, { "Type": "", "Id": 202, "PayDirectProductId": 3312, "PayDirectInstitutionId": 0, "Name": "CitiServe Payments", "ShortName": "CITI", "Narration": "Purchase CitiServe stock", "CustomerField1": "CNP Id", "CustomerField2": "Name", "LogoUrl": "qt.jpg", "Surcharge": "10000", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "citiserve", "SupportEmail": "support@interswitchng.com", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "AmountType": 0 }, { "Type": "", "Id": 328, "PayDirectProductId": 3697, "PayDirectInstitutionId": 0, "Name": "Communications Trends Limited (TrendTV)", "ShortName": "CTL", "Narration": "Trend TV Collections", "CustomerField1": "Unique Number", "LogoUrl": "q.gif", "Surcharge": "10000", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "trendtv", "SupportEmail": "notifications@ctlgatway.com", "RiskCategoryId": "16200", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "AmountType": 0 }, { "Type": "", "Id": 952, "PayDirectProductId": 4307, "PayDirectInstitutionId": 0, "Name": "Developer Console", "ShortName": "DVC", "Narration": "Developer Console", "CustomerField1": "Developer ID", "LogoUrl": "devconsole.png", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "devconsole", "SupportEmail": "lomotayo@interswitchng.com", "RiskCategoryId": "16200", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "AmountType": 0 }, { "Type": "", "Id": 153, "PayDirectProductId": 3411, "PayDirectInstitutionId": 0, "Name": "Infinity TV Subscriptions", "ShortName": "INFI", "Narration": "PAYDirectEnterprise", "CustomerField1": "SmartCard No", "CustomerField2": "", "LogoUrl": "q.jpg", "Url": "", "Surcharge": "10000", "CustomSectionUrl": "", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "infinitytv", "SupportEmail": "", "CategoryId": 9, "CategoryName": "Subscriptions", "MediumImageId": "585c357e-e1c2-4b9f-b319-5f158d4b71f5", "AmountType": 0 }, { "Type": "", "Id": 111, "PayDirectProductId": 126, "PayDirectInstitutionId": 0, "Name": "IPNX", "ShortName": "IPNX", "Narration": "Pay IPNX subscriptions", "CustomerField1": "Account Number/Wireless telephone", "CustomerField2": "Wireless Telephone", "LogoUrl": "ipnx2.jpg", "Surcharge": "10000", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "ipnx", "SupportEmail": "suport@ipnxnigeria.com", "PageFlowInfo": { "Elements": [ { "Title": "Account Number/Wireless telephone", "IsRequired": true, "SortOrder": 0, "ElementType": "TextBox", "DataType": "String", "Length": 12, "SelectItems": [], "ElementName": "customerid" }, { "Title": "Phone No", "IsRequired": true, "SortOrder": 1, "ElementType": "TextBox", "DataType": "String", "Length": 12, "SelectItems": [], "ElementName": "Phoneno" } ], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": false, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "MediumImageId": "d1e1dbde-6cbb-4882-95e8-37191d3cebe4", "AmountType": 0 }, { "Type": "PHV", "Id": 154, "PayDirectProductId": 3418, "PayDirectInstitutionId": 0, "Name": "Multichioce Nigeria (ENT)", "ShortName": "MCNG", "Narration": "Multichoice Subscription", "CustomerField1": "SmartCard No", "LogoUrl": "mcn.gif", "Surcharge": "10000", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "mcng", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "AmountType": 0 }, { "Type": "", "Id": 158, "PayDirectProductId": 3521, "PayDirectInstitutionId": 0, "Name": "Multichoice Office POS", "ShortName": "MCP", "Narration": "Multichoice Office POS payments", "CustomerField1": "SmartCard No", "LogoUrl": "mcn.jpeg", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "MCNPOS", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "MediumImageId": "ecf87524-1764-40d6-a7c8-b4c7c34b3a9a", "AmountType": 0 }, { "Type": "", "Id": 448, "PayDirectProductId": 4080, "PayDirectInstitutionId": 0, "Name": "OMNIVU", "ShortName": "OMNIV", "Narration": "OMNIVU", "CustomerField1": "Order Code", "LogoUrl": "omnivu_white.png", "Surcharge": "10000", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "omnivu", "SupportEmail": "BAkomolede@Interswitchng.com", "RiskCategoryId": "16203", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "MediumImageId": "ab02511e-8d68-4bc9-9958-b5c6ace5319b", "AmountType": 0 }, { "Type": "", "Id": 951, "PayDirectProductId": 4293, "PayDirectInstitutionId": 0, "Name": "RetailPay", "ShortName": "RTP", "Narration": "Retail Pay", "CustomerField1": "Merchant Code", "LogoUrl": "retailpay.png", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "retailpay", "SupportEmail": "aakinde@interswitchng.com", "RiskCategoryId": "16200", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "AmountType": 0 }, { "Type": "", "Id": 17561, "PayDirectProductId": 4556, "PayDirectInstitutionId": 0, "Name": "spectranet", "ShortName": "SPEC", "CustomerField1": "User ID", "LogoUrl": "q.gif", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "spectranet", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "AmountType": 0 }, { "Type": "", "Id": 17599, "PayDirectProductId": 4563, "PayDirectInstitutionId": 0, "Name": "Uber 4 diesel", "ShortName": "U4D", "Narration": "Uber 4 diesel", "CustomerField1": "Customer Number", "LogoUrl": "q.gif", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "uber", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 9, "CategoryName": "Subscriptions", "AmountType": 0 } ] }, { "Id": 4, "Name": "Mobile/Recharge", "Description": "Recharge your phone", "Billers": [ { "Type": "MO", "Id": 17305, "PayDirectProductId": 0, "PayDirectInstitutionId": 0, "Name": "09test", "ShortName": "09test", "CustomerField1": "Phone Number", "LogoUrl": "09test.jpg", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "09test", "NetworkId": "6280510423", "ProductCode": "6280510423", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 4, "CategoryName": "Mobile/Recharge", "SmallImageId": "fb44228b-199e-4ae8-a9e7-55294928b806", "LargeImageId": "fb44228b-199e-4ae8-a9e7-55294928b806", "MediumImageId": "fb44228b-199e-4ae8-a9e7-55294928b806", "AmountType": 0 }, { "Type": "MP", "Id": 687, "PayDirectProductId": 3361, "PayDirectInstitutionId": 0, "Name": "Airtel Data Bundles", "ShortName": "Airtel", "Narration": "Airtel Data", "CustomerField1": "Phone Number", "LogoUrl": "q.gif", "Surcharge": "3500", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "airtel", "SupportEmail": "pedoosagie@interswitchng.com", "NetworkId": "6280510425", "ProductCode": "6280510425", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 4, "CategoryName": "Mobile/Recharge", "AmountType": 0 }, { "Type": "MP", "Id": 17570, "PayDirectProductId": 0, "PayDirectInstitutionId": 0, "Name": "Airtel OTA", "ShortName": "AirtelOTA", "Narration": "Airtel OTA", "CustomerField1": "Enter Phone Number", "LogoUrl": "q.gif", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "AirtelOTA", "NetworkId": "6280510421", "ProductCode": "6280510421", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 4, "CategoryName": "Mobile/Recharge", "AmountType": 0 }, { "Type": "MP", "Id": 108, "PayDirectProductId": 0, "PayDirectInstitutionId": 0, "Name": "Airtel Recharge Pins", "ShortName": "ZainPIN", "Narration": "Buy Airtel recharge PINs here", "CustomerField1": "Phone Number", "LogoUrl": "zain.gif", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "zainrechargepin", "SupportEmail": "zain@zain1.com", "RiskCategoryId": "16201", "NetworkId": "628051042", "ProductCode": "628051042", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 4, "CategoryName": "Mobile/Recharge", "SmallImageId": "c1b7dde0-cc9d-46a5-947a-186abf95a09c", "LargeImageId": "c1b7dde0-cc9d-46a5-947a-186abf95a09c", "MediumImageId": "c1b7dde0-cc9d-46a5-947a-186abf95a09c", "AmountType": 1 }, { "Type": "MO", "Id": 17608, "PayDirectProductId": 0, "PayDirectInstitutionId": 0, "Name": "Demmy Global", "ShortName": "Demmy", "Narration": "International airtime vending ", "CustomerField1": "CustomerId", "CustomerField2": "MobileNumber", "LogoUrl": "q.gif", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "demmy", "SupportEmail": "adenike.olapetan@interswitchgroup.com", "NetworkId": "1078694590", "ProductCode": "107869459002", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 4, "CategoryName": "Mobile/Recharge", "AmountType": 0 }, { "Type": "MO", "Id": 17606, "PayDirectProductId": 0, "PayDirectInstitutionId": 0, "Name": "DtOne", "ShortName": "DTO", "Narration": "International telco", "CustomerField1": "Mobile Number", "LogoUrl": "q.gif", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "dtone", "SupportEmail": "adegboyega.olorunfemi@interswitchgroup.com", "NetworkId": "1078694588", "ProductCode": "107869458801", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 4, "CategoryName": "Mobile/Recharge", "AmountType": 0 }, { "Type": "MO", "Id": 120, "PayDirectProductId": 0, "PayDirectInstitutionId": 0, "Name": "Etisalat Recharge Top-Up", "ShortName": "ETILAT", "Narration": "Buy Etisalat recharge", "CustomerField1": "Phone No", "LogoUrl": "9mobile.jpg", "Surcharge": "900", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "etisalat", "SupportEmail": "pedoosagie@interswitchng.com", "NetworkId": "6280510425", "ProductCode": "6280510490", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 4, "CategoryName": "Mobile/Recharge", "SmallImageId": "c132842d-9cb4-4c34-9d56-8dafb75959d8", "LargeImageId": "c132842d-9cb4-4c34-9d56-8dafb75959d8", "MediumImageId": "c132842d-9cb4-4c34-9d56-8dafb75959d8", 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Night of a 1000 Laughs

Eko Hotel

December 1, 2014

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"CustomSectionUrl": "", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "uk2me", "SupportEmail": "admin@uk2meonline.com, quickteller@interswitchng.com", "CategoryId": 17, "CategoryName": "Products and Services", "MediumImageId": "0b25410a-99e0-4d40-bcf0-661762da139d", "AmountType": 0 } ] }, { "Id": 2, "Name": "Cable TV Bills", "Description": "Pay for your cable TV subscriptions here", "Billers": [ { "Type": "", "Id": 1234, "PayDirectProductId": 4290, "PayDirectInstitutionId": 0, "Name": "Ayo Aremu", "ShortName": "AYO", "Narration": "Creating test biller", "CustomerField1": "Ayo H. 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TV Bills", "AmountType": 0 }, { "Type": "", "Id": 16783, "PayDirectProductId": 4475, "PayDirectInstitutionId": 0, "Name": "IFIS DSTV", "ShortName": "IFISD", "Narration": "Testing Pricing Discount", "CustomerField1": "Decoder Number", "CustomerField2": "Phone Number", "LogoUrl": "q.gif", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "ifisd", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 2, "CategoryName": "Cable TV Bills", "AmountType": 0 }, { "Type": "", "Id": 471, "PayDirectProductId": 3928, "PayDirectInstitutionId": 0, "Name": "iROKOtv", "ShortName": "IROKO", "Narration": "Iroko Partners UK Limited", "CustomerField1": "Email Address", "LogoUrl": "iroko.JPG", "Surcharge": "10000", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "irokotv", "SupportEmail": "support@irokotv.com", "RiskCategoryId": "16200", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 2, "CategoryName": "Cable TV Bills", "MediumImageId": "d9fbe305-5b1d-4b51-afb6-9cfa522096da", "AmountType": 0 }, { "Type": "", "Id": 17623, "PayDirectProductId": 4624, "PayDirectInstitutionId": 0, "Name": "Moment Dstv", "ShortName": "MDSTV", "Narration": "The new Moment Dstv integration", "CustomerField1": "SmartCard No", "LogoUrl": "q.gif", "Surcharge": "0", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "moment", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 2, "CategoryName": "Cable TV Bills", "AmountType": 1 }, { "Type": "", "Id": 104, "PayDirectProductId": 13, "PayDirectInstitutionId": 0, "Name": "Multichoice Limited", "ShortName": "MCU2", "Narration": "Pay DSTV bills", "CustomerField1": "IUC number/Customer number", "CustomerField2": "Phone Number", "LogoUrl": "mcn.gif", "Surcharge": "7700", "CurrencyCode": "566", "CurrencySymbol": "NGN", "QuickTellerSiteUrlName": "dstv", "SupportEmail": "application.development@interswitchng.com", "CustomMessageUrl": "<p><img alt=\"Editor for ASP.NET MVC logo\" height=\"98\" src=\"http://www.kendoui.com/Image/kendo-logo.png\" style=\"display:block;margin-left:auto;margin-right:auto;\" width=\"283\" /></p><p>Kendo UI Editor allows your users to edit HTML in a familiar, user-friendly way.<br />In this version, the Editor provides the core HTML editing engine, which includes basic text formatting, hyperlinks, lists, and image handling. The widget <strong>outputs identical HTML</strong> across all major browsers, follows accessibility standards and provides API for content manipulation. </p><p>Features include:</p><ul><li>Text formatting & alignment</li><li>Bulleted and numbered lists</li><li>Hyperlink and image dialogs</li><li>Cross-browser support</li><li>Identical HTML output across browsers</li><li>Gracefully degrades to a <code>textarea</code> when JavaScript is turned off</li></ul><p>Read <a href=\"http://docs.kendoui.com\">more details</a> or send us your <a href=\"http://www.kendoui.com/forums.aspx\">feedback</a>! </p>", "PageFlowInfo": { "Elements": [], "FinishButtonName": "Finish", "StartPage": "DoPayment.aspx", "UsesPaymentItems": true, "PerformInquiry": true, "AllowRetry": true }, "CategoryId": 2, "CategoryName": "Cable TV Bills", "CustomMessageId": "104", "AmountType": 1 }, { "Type": "", "Id": 16918, "PayDirectProductId": 4519, "PayDirectInstitutionId": 0, "Name": "Multichoice PAYDirect2", "ShortName": 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"Name": "CROATIA", "Value": "HR" }, { "Name": "CUBA", "Value": "CU" }, { "Name": "CYPRUS", "Value": "CY" }, { "Name": "CZECH REPUBLIC", "Value": "CZ" }, { "Name": "DENMARK", "Value": "DK" }, { "Name": "DJIBOUTI", "Value": "DJ" }, { "Name": "DOMINICA", "Value": "DM" }, { "Name": "DOMINICAN REPUBLIC", "Value": "DO" }, { "Name": "ECUADOR", "Value": "EC" }, { "Name": "EGYPT", "Value": "EG" }, { "Name": "EL SALVADOR", "Value": "SV" }, { "Name": "EQUATORIAL GUINEA", "Value": "GQ" }, { "Name": "ERITREA", "Value": "ER" }, { "Name": "ESTONIA", "Value": "EE" }, { "Name": "ETHIOPIA", "Value": "ET" }, { "Name": "FALKLAND ISLANDS (MALVINAS)", "Value": "FK" }, { "Name": "FAROE ISLANDS", "Value": "FO" }, { "Name": "FIJI", "Value": "FJ" }, { "Name": "FINLAND", "Value": "FI" }, { "Name": "FRANCE", "Value": "FR" }, { "Name": "FRENCH GUIANA", "Value": "GF" }, { "Name": "FRENCH POLYNESIA", "Value": "PF" }, { "Name": "FRENCH SOUTHERN TERRITORIES", "Value": "TF" }, { "Name": "GABON", "Value": "GA" }, { "Name": "GAMBIA", "Value": "GM" }, { "Name": "GEORGIA", "Value": "GE" }, { "Name": "GERMANY", "Value": "DE" }, { "Name": "GHANA", "Value": "GH" }, { "Name": "GIBRALTAR", "Value": "GI" }, { "Name": "GREECE", "Value": "GR" }, { "Name": "GREENLAND", "Value": "GL" }, { "Name": "GRENADA", "Value": "GD" }, { "Name": "GUADELOUPE", "Value": "GP" }, { "Name": "GUAM", "Value": "GU" }, { "Name": "GUATEMALA", "Value": "GT" }, { "Name": "GUERNSEY", "Value": "GG" }, { "Name": "GUINEA", "Value": "GN" }, { "Name": "GUINEA-BISSAU", "Value": "GW" }, { "Name": "GUYANA", "Value": "GY" }, { "Name": "HAITI", "Value": "HT" }, { "Name": "HEARD ISLAND AND MCDONALD ISLANDS", "Value": "HM" }, { "Name": "HONDURAS", "Value": "HN" }, { "Name": "HONG KONG", "Value": "HK" }, { "Name": "HUNGARY", "Value": "HU" }, { "Name": "ICELAND", "Value": "IS" }, { "Name": "INDIA", "Value": "IN" }, { "Name": "INDONESIA", "Value": "ID" }, { "Name": "IRAN - ISLAMIC REPUBLIC OF", "Value": "IR" }, { "Name": "IRAQ", "Value": "IQ" }, { "Name": "IRELAND", "Value": "IE" }, { "Name": "ISLE OF MAN", "Value": "IM" }, { "Name": "ISRAEL", "Value": "IL" }, { "Name": "ITALY", "Value": "IT" }, { "Name": "JAMAICA", "Value": "JM" }, { "Name": "JAPAN", "Value": "JP" }, { "Name": "JERSEY", "Value": "JE" }, { "Name": "JORDAN", "Value": "JO" }, { "Name": "KAZAKHSTAN", "Value": "KZ" }, { "Name": "KENYA", "Value": "KE" }, { "Name": "KIRIBATI", "Value": "KI" }, { "Name": "KOREA - DEMOCRATIC PEOPLE'S REPUBLIC OF", "Value": "KP" }, { "Name": "KOREA - REPUBLIC OF", "Value": "KR" }, { "Name": "KUWAIT", "Value": "KW" }, { "Name": "KYRGYZSTAN", "Value": "KG" }, { "Name": "LAO PEOPLE'S DEMOCRATIC REPUBLIC", "Value": "LA" }, { "Name": "LATVIA", "Value": "LV" }, { "Name": "LEBANON", "Value": "LB" }, { "Name": "LESOTHO", "Value": "LS" }, { "Name": "LIBERIA", "Value": "LR" }, { "Name": "LIBYAN ARAB JAMAHIRIYA", "Value": "LY" }, { "Name": "LIECHTENSTEIN", "Value": "LI" }, { "Name": "LITHUANIA", "Value": "LT" }, { "Name": "LUXEMBOURG", "Value": "LU" }, { "Name": "MACAO", "Value": "MO" }, { "Name": "MACEDONIA - THE FORMER YUGOSLAV REPUBLIC OF", "Value": "MK" }, { "Name": "MADAGASCAR", "Value": "MG" }, { "Name": "MALAWI", "Value": "MW" }, { "Name": "MALAYSIA", "Value": "MY" }, { "Name": "MALDIVES", "Value": "MV" }, { "Name": "MALI", "Value": "ML" }, { "Name": "MALTA", "Value": "MT" }, { "Name": "MARSHALL ISLANDS", "Value": "MH" }, { "Name": "MARTINIQUE", "Value": "MQ" }, { "Name": "MAURITANIA", "Value": "MR" }, { "Name": "MAURITIUS", "Value": "MU" }, { "Name": "MAYOTTE", "Value": "YT" }, { "Name": "MEXICO", "Value": "MX" }, { "Name": "MICRONESI - FEDERATED STATES OF", "Value": "FM" }, { "Name": "MOLDOVA", "Value": "MD" }, { "Name": "MONACO", "Value": "MC" }, { "Name": "MONGOLIA", "Value": "MN" }, { "Name": "MONTENEGRO", "Value": "ME" }, { "Name": "MONTSERRAT", "Value": "MS" }, { "Name": "MOROCCO", "Value": "MA" }, { "Name": "MOZAMBIQUE", "Value": "MZ" }, { "Name": "MYANMAR", "Value": "MM" }, { "Name": "NAMIBIA", "Value": "NA" }, { "Name": "NAURU", "Value": "NR" }, { "Name": "NEPAL", "Value": "NP" }, { "Name": "NETHERLANDS", "Value": "NL" }, { "Name": "NETHERLANDS ANTILLES", "Value": "AN" }, { "Name": "NEW CALEDONIA", "Value": "NC" }, { "Name": "NEW ZEALAND", "Value": "NZ" }, { "Name": "NICARAGUA", "Value": "NI" }, { "Name": "NIGER", "Value": "NE" }, { "Name": "NIGERIA", "Value": "NG" }, { "Name": "NIUE", "Value": "NU" }, { "Name": "NORFOLK ISLAND", "Value": "NF" }, { "Name": "NORTHERN MARIANA ISLANDS", "Value": "MP" }, { "Name": "NORWAY", "Value": "NO" }, { "Name": "OMAN", "Value": "OM" }, { "Name": "PAKISTAN", "Value": "PK" }, { "Name": "PALAU", "Value": "PW" }, { "Name": "PALESTINIAN TERRITORY - OCCUPIED", "Value": "PS" }, { "Name": "PANAMA", "Value": "PA" }, { "Name": "PAPUA NEW GUINEA", "Value": "PG" }, { "Name": "PARAGUAY", "Value": "PY" }, { "Name": "PERU", "Value": "PE" }, { "Name": "PHILIPPINES", "Value": "PH" }, { "Name": "PITCAIRN", "Value": "PN" }, { "Name": "POLAND", "Value": "PL" }, { "Name": "PORTUGAL", "Value": "PT" }, { "Name": "PUERTO RICO", "Value": "PR" }, { "Name": "QATAR", "Value": "QA" }, { "Name": "RÉUNION", "Value": "RE" }, { "Name": "ROMANIA", "Value": "RO" }, { "Name": "RUSSIAN FEDERATION", "Value": "RU" }, { "Name": "RWANDA", "Value": "RW" }, { "Name": "SAINT BARTHÉLEMY", "Value": "BL" }, { "Name": "SAINT HELENA", "Value": "SH" }, { "Name": "SAINT KITTS AND NEVIS", "Value": "KN" }, { "Name": "SAINT LUCIA", "Value": "LC" }, { "Name": "SAINT MARTIN", "Value": "MF" }, { "Name": "SAINT PIERRE AND MIQUELON", "Value": "PM" }, { "Name": "SAINT VINCENT AND THE GRENADINES", "Value": "VC" }, { "Name": "SAMOA", "Value": "WS" }, { "Name": "SAN MARINO", "Value": "SM" }, { "Name": "SAO TOME AND PRINCIPE", "Value": "ST" }, { "Name": "SAUDI ARABIA", "Value": "SA" }, { "Name": "SENEGAL", "Value": "SN" }, { "Name": "SERBIA", "Value": "RS" }, { "Name": "SEYCHELLES", "Value": "SC" }, { "Name": "SIERRA LEONE", "Value": "SL" }, { "Name": "SINGAPORE", "Value": "SG" }, { "Name": "SLOVAKIA", "Value": "SK" }, { "Name": "SLOVENIA", "Value": "SI" }, { "Name": "SOLOMON ISLANDS", "Value": "SB" }, { "Name": "SOMALIA", "Value": "SO" }, { "Name": "SOUTH AFRICA", "Value": "ZA" }, { "Name": "SOUTH GEORGIA AND THE SOUTH SANDWICH ISLANDS", "Value": "GS" }, { "Name": "SPAIN", "Value": "ES" }, { "Name": "SRI LANKA", "Value": "LK" }, { "Name": "SUDAN", "Value": "SD" }, { "Name": "SURINAME", "Value": "SR" }, { "Name": "SVALBARD AND JAN MAYEN", "Value": "SJ" }, { "Name": "SWAZILAND", "Value": "SZ" }, { "Name": "SWEDEN", "Value": "SE" }, { "Name": "SWITZERLAND", "Value": "CH" }, { "Name": "SYRIAN ARAB REPUBLIC", "Value": "SY" }, { "Name": "TAIWAN - PROVINCE OF CHINA", "Value": "TW" }, { "Name": "TAJIKISTAN", "Value": "TJ" }, { "Name": "TANZANIA - UNITED REPUBLIC OF", "Value": "TZ" }, { "Name": "THAILAND", "Value": "TH" }, { "Name": "TIMOR-LESTE", "Value": "TL" }, { "Name": "TOGO", "Value": "TG" }, { "Name": "TOKELAU", "Value": "TK" }, { "Name": "TONGA", "Value": "TO" }, { "Name": "TRINIDAD AND TOBAGO", "Value": "TT" }, { "Name": "TUNISIA", "Value": "TN" }, { "Name": "TURKEY", "Value": "TR" }, { "Name": "TURKMENISTAN", "Value": "TM" }, { "Name": "TURKS AND CAICOS ISLANDS", "Value": "TC" }, { "Name": "TUVALU", "Value": "TV" }, { "Name": "UGANDA", "Value": "UG" }, { "Name": "UKRAINE", "Value": "UA" }, { "Name": "UNITED ARAB EMIRATES", "Value": "AE" }, { "Name": "UNITED KINGDOM", "Value": "GB" }, { "Name": "UNITED STATES", "Value": "US" }, { "Name": "UNITED STATES MINOR OUTLYING ISLANDS", "Value": "UM" }, { "Name": "URUGUAY", "Value": "UY" }, { "Name": "UZBEKISTAN", "Value": "UZ" }, { "Name": "VANUATU", "Value": "VU" }, { "Name": "VATICAN CITY STATE", "Value": "VA" }, { "Name": "VENEZUELA", "Value": "VE" }, { "Name": "VIET NAM", "Value": "VN" }, { "Name": "VIRGIN ISLANDS - BRITISH", "Value": "VG" }, { "Name": "VIRGIN ISLANDS - U.S.", "Value": "VI" }, { "Name": "WALLIS AND FUTUNA", "Value": "WF" }, { "Name": "WESTERN SAHARA", "Value": "EH" }, { "Name": "YEMEN", "Value": "YE" }, { "Name": "ZAMBIA", "Value": "ZM" }, { "Name": "ZIMBABWE", "Value": "ZW" } ], "ElementName": "PayerCountryCode" }, { "Title": "Receiving Account Type", "IsRequired": true, "SortOrder": 3, "ElementType": "SelectList", "DataType": "String", "SelectItemType": "AccountType", "Length": 0, "SelectItems": [ { "Name": "Current", "Value": "20" }, { "Name": "Savings", "Value": "10" }, { "Name": "Not Sure", "Value": "00" } ], "ElementName": "PayeeAccountType" }, { "Title": "Expected Amount", "IsRequired": true, "SortOrder": 4, "ElementType": "TextBox", "DataType": "Amount", "Length": 12, "SelectItems": [], "ElementName": "Amount" }, { "Title": "Receiving Currency", "IsRequired": true, "SortOrder": 5, "ElementType": "SelectList", "DataType": "String", "SelectItemType": "Currency", "Length": 0, "SelectItems": [ { "Name": "Naira", "Value": "566" }, { "Name": "US Dollars", "Value": "840" } ], "ElementName": "ExpectedCurrency" }, { "Title": "Receiving Account Number (NUBAN Only)", "IsRequired": true, "SortOrder": 2, "ElementType": "TextBox", "DataType": "Numeric", "Length": 20, "SelectItems": [], "ElementName": "PayeeAccountNumber" }, { "Title": "Firstname (Receiving Account)", "IsRequired": true, "SortOrder": 6, "ElementType": "TextBox", "DataType": "String", "Length": 40, "SelectItems": [], "ElementName": "PayeeFirstname" }, { "Title": "Surname (Receiving Account)", "IsRequired": true, "SortOrder": 7, "ElementType": "TextBox", "DataType": "String", "Length": 40, "SelectItems": [], "ElementName": "PayeeSurname" }, { "Title": "Mobile Number", "IsRequired": true, "SortOrder": 12, "ElementType": "TextBox", "DataType": "Numeric", "Length": 15, "SelectItems": [], "ElementName": "ReceiverPhoneNumber" }, { "Title": "Answer to Test Question", "IsRequired": false, "SortOrder": 13, "ElementType": "TextBox", "DataType": "String", "Length": 40, "SelectItems": [], "ElementName": "TestAnswer" } ], "FinishButtonName": "Receive Money", "StartPage": "Payment/PaymentDetails", "UsesPaymentItems": true, "PerformInquiry": false, "AllowRetry": false }, "PaymentOptionsPageHeader": "Western Union - Receive Money - Pick your bank", "PaymentOptionsTitle": "Banks offering to receive Western Union money transfers on bank accounts", "CategoryId": 26, "CategoryName": "Receive Money", "SmallImageId": "010995fa-b286-4d9f-b9d0-74a2cd2576d3", "LargeImageId": "e9447628-6094-4018-a285-1ed5b9b4d350", "AmountType": 0 } ] } ] }, "ResponseCode": "90000", "ResponseCodeGrouping": "SUCCESSFUL" } ``` **Implementation Notes:** 1. **Extract Biller ID:** The `Id` field is critical for subsequent API calls 2. **Customer Fields:** Use `CustomerField1` (and `CustomerField2` if present) to label your input forms 3. **Amount Handling:** Check `AmountType` to determine how to handle payment amounts (see Amount Types section) 4. **Logo Display:** Use `MediumImageId`, `SmallImageId`, or `LargeImageId` for biller logos (not `LogoUrl`) 5. **Currency:** `CurrencyCode` 566 = NGN, 840 = USD, 404 = KES *** ### Step 3: Fetch Payment Items **Purpose:** Retrieve specific payment items or packages offered by a biller (e.g., different bouquet options for DSTV, or data bundle options for mobile networks). **Description:** Not all billers require this step. Some billers (AmountType 0, 1, 3) accept any amount or require exact amounts based on customer validation. This step is primarily for billers that offer predefined options or packages (AmountType 2 or 5). **When to Use:** - **Required for:** Billers with `AmountType` 2 (Fixed) or 5 (Exact) - **Optional for:** Billers with `AmountType` 0, 1, 3, or 4 **Endpoint:** `GET /services/options?serviceid={billerId}` **Parameters:** | Parameter | Type | Required | Description | | ----------- | ------- | -------- | ------------------------- | | `serviceid` | Integer | Yes | The biller ID from Step 2 | **Request:** ```bash curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/services/options?serviceid=17589' \ -H "Authorization: Bearer " \ -H "Content-Type: application/json" \ -H "TerminalID: " \ -X GET ``` **Response:** ```json { "PaymentItems": [ { "Id": "01", "Name": "Abuja Disco Buypower Prepaid", "BillerName": "Abuja Disco Buy Power Prepaid", "ConsumerIdField": "CustomerRef", "Code": "01", "BillerType": "PHV", "ItemFee": "0", "Amount": "0", "BillerId": "17589", "BillerCategoryId": "1", "CurrencyCode": "566", "CurrencySymbol": "NGN", "ItemCurrencyCode": "566", "ItemCurrencySymbol": "NGN", "Children": [], "IsAmountFixed": true, "SortOrder": 0, "PictureId": 0, "PaymentCode": "051758901", "AmountType": 2, "PaydirectItemCode": "051760201" } ], "ResponseCode": "90000", "ResponseCodeGrouping": "SUCCESSFUL" } ``` **Key Fields:** | Field | Description | | --------------- | -------------------------------------------- | | `PaymentCode` | Required for customer validation and payment | | `Amount` | The fixed or suggested amount for this item | | `IsAmountFixed` | If true, the amount cannot be changed | | `ItemFee` | Additional fee for this specific item | *** ### Step 4: Validate Customer **Purpose:** Verify that the customer ID (e.g., meter number, phone number, policy number) is valid and retrieve the customer's details including the exact amount due. **Description:** This step is crucial for preventing failed transactions. It confirms the customer exists with the biller and returns important information such as the customer's name and the exact amount to be paid (especially for postpaid bills). This should always be done before processing payment. **Endpoint:** `POST /Transactions/validatecustomers` **Request:** ```bash curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/Transactions/validatecustomers' \ -H "Authorization: Bearer " \ -H "Content-Type: application/json" \ -H "TerminalID: " \ -d '{ "customers": [ { "PaymentCode": "051758901", "CustomerId": "12345678910", "WithDetails": true } ], "TerminalId": "3PBL0001" }' \ -X POST ``` **Request Body Fields:** | Field | Type | Required | Description | | ------------------------- | ------ | -------- | ------------------------------------------ | | `customers` | Array | Yes | Array of customer objects to validate | | `customers[].PaymentCode` | String | Yes | Payment code from Step 2 or 3 | | `customers[].CustomerId` | String | Yes | The customer's ID (from user input) | | `customers[].WithDetails` | bool | No | Add this if you want more customer details | | `TerminalId` | String | Yes | Your terminal ID | **Response:** ```json { "Customers": [ { "TerminalId": "3PBL0001", "BillerId": 0, "PaymentCode": "051758901", "CustomerId": "12345678910", "ResponseCode": "90000", "FullName": "Chukwuma Ciroma", "Amount": 35000, "AmountType": 2, "AmountTypeDescription": "Biller requires minimum amount: NGN 350.00.", "Surcharge": 0 } ], "ResponseCode": "90000", "ResponseCodeGrouping": "SUCCESSFUL" } ``` With details: ```json { "Customers": [ { "TerminalId": "3PBL0001", "BillerId": 0, "PaymentCode": "051758901", "CustomerId": "12345678910", "WithDetails": "true", "ResponseCode": "90000", "FullName": "Chukwuma Ciroma", "Address": "012 Fake Cresent, Fake City, Fake State", "DateOfBirth": "08-06-2026", "Lastname": "Chukwuma", "Othernames": "Ciroma", "Title": "", "SecConsumerId": "", "PriConsumerId": "12345678910", "Amount": 35000, "AmountType": 2, "AmountTypeDescription": "Biller requires minimum amount: NGN 350.00.", "Surcharge": 0, "AdditionalInfoParameters": { "MinAmount": "0", "AmountDue": "0", "ConvenientFee": "0.00", "CustomerFee": "0.00", "Message": "Surcharge is total sum of Convenient Fee + Customer Borne Fee" }, "AdditionalInfo": "Tariff:0;Outstanding:0.0;DebtRepayment:0.0;MinVendAmount:350.0;MaxVendAmount:1.0E7" } ], "ResponseCode": "90000", "ResponseCodeGrouping": "SUCCESSFUL" } ``` **Response Fields:** | Field | Description | | -------------- | --------------------------------------------- | | `ResponseCode` | `90000` = Valid customer, others = Invalid | | `FullName` | Customer's registered name (if available) | | `Amount` | Exact amount due (in kobo) for postpaid bills | | `AmountType` | Confirms how to handle the amount | | `Surcharge` | Additional fee to be added | **Important:** - If `ResponseCode` is not `90000`, do not proceed with payment - Use the returned `Amount` for postpaid bills (AmountType 3) - Always display the `FullName` to the user for confirmation *** ### Step 5: Make Payment **Purpose:** Process the actual payment transaction after customer validation. **Description:** This is the final step where you submit the payment details to complete the transaction. Upon success, the customer's account is credited with the service (e.g., electricity token, airtime, DSTV subscription), and your virtual card is debited for the transaction amount. **Endpoint:** `POST /Transactions` **Request:** ```bash curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/Transactions' \ -H "Authorization: Bearer " \ -H "Content-Type: application/json" \ -H "TerminalID: " \ -d '{ "paymentCode": "051758901", "customerId": "12345678910", "customerMobile": "2348124888436", "customerEmail": "johndoe@gmail.com", "amount": "500000", "requestReference": "122200898163" }' \ -X POST ``` **Request Body Fields:** | Field | Type | Required | Description | | ------------------ | ------ | -------- | ---------------------------------------------------- | | `paymentCode` | String | Yes | Payment code from validation step | | `customerId` | String | Yes | Validated customer ID | | `customerMobile` | String | Yes | Customer's mobile number | | `customerEmail` | String | No | Customer's email address | | `amount` | String | Yes | Amount in kobo (e.g., "500000" for ₦5,000) | | `requestReference` | String | Yes | Unique reference for this transaction (max 20 chars) | **Response:** Pin-based bill payment: ```json { "TransactionRef": "PBL|Web|3PBL0001|AbjBuyPw|080626111212|7WJYMPTTJD", "RechargePIN": "03659524516800036346", "PhcnTokenDetails": "Pin:03659524516800036346;Receipt Number:284845;Units:55.9;Invoice Number:105709159;Meter Number:1001279455;Tax:N279.07;Total:N4000.0;Token:03659524516800036346;Arrears Balance:N0.0;Address:012 Fake Cresent, Fake City, Fake State;Tariff:0;Outstanding:0.0;DebtRepayment:0.0;MinVendAmount:350.0;MaxVendAmount:1.0E7", "ApprovedAmount": "3154364", "MiscData": "Pin:03659524516800036346;Receipt Number:284845;Units:55.9;Invoice Number:105709159;Meter Number:1001279455;Tax:N279.07;Total:N4000.0;Token:03659524516800036346;Arrears Balance:N0.0;Address:012 Fake Cresent, Fake City, Fake State;Tariff:0;Outstanding:0.0;DebtRepayment:0.0;MinVendAmount:350.0;MaxVendAmount:1.0E7", "AdditionalInfo": { "Pin": "03659524516800036346", "Receipt Number": "284845", "Units": "55.9", "Invoice Number": "105709159", "Meter Number": "1001279455", "Tax": "N279.07", "Total": "N4000.0", "Token": "03659524516800036346", "Arrears Balance": "N0.0", "Address": "012 Fake Cresent, Fake City, Fake State", "Tariff": "0", "Outstanding": "0.0", "DebtRepayment": "0.0", "MinVendAmount": "350.0", "MaxVendAmount": "1.0E7" }, "ResponseCode": "90000", "ResponseDescription": "Success", "ResponseCodeGrouping": "SUCCESSFUL" } ``` Non-pin-based bill payment: ```json { "TransactionRef": "PBL|Web|3PBL0001|CGM|080626111324|M4UWNM9HJN", "ApprovedAmount": "3154364", "AdditionalInfo": {}, "ResponseCode": "90000", "ResponseDescription": "Success", "ResponseCodeGrouping": "SUCCESSFUL" } ``` **Response Fields:** | Field | Description | | --------------------- | ------------------------------------------ | | `TransactionRef` | Unique transaction reference (store this!) | | `ApprovedAmount` | Amount that was processed | | `AdditionalInfo` | Bill-specific info (tokens, units, etc.) | | `RechargePin` | | | `ResponseCode` | `90000` = Success | | `ResponseDescription` | Human-readable status | **Transaction Flow:** 1. Your app submits payment request 2. API validates the request 3. Your virtual card is debited 4. Biller receives the payment 5. Value is delivered to customer 6. You receive commission *** ### Step 6: Query Transaction Status **Purpose:** Check the status of a previously submitted transaction. **Description:** Use this endpoint to verify transaction status, especially useful for handling timeouts or when you need to confirm a transaction's final state. This is optional but recommended for production implementations. **Endpoint:** `GET /Transactions?requestRef={requestReference}` **Parameters:** | Parameter | Type | Required | Description | | ------------ | ------ | -------- | --------------------------------- | | `requestRef` | String | Yes | The request reference from Step 5 | **Request:** ```bash curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/Transactions?requestRef=122200898163' \ -H "Authorization: Bearer " \ -H "Content-Type: application/json" \ -H "TerminalID: " \ -X GET ``` **Response:** ```json { "billPayment": { "biller": "MCN", "customerId1": "000000001", "customerId2": null, "paymentTypeName": "Family", "paymentTypeCode": "COFAMW4", "billerId": "104" }, "amount": "2000", "currencyCode": "566", "customer": "000000001", "customerEmail": "test@interswitchng.com", "customerMobile": "08065186175", "paymentDate": "7/18/2016 8:53:39 AM", "requestReference": "119420151169", "serviceCode": "COFAMW4", "serviceName": "Family", "serviceProviderId": "104", "status": "Completed", "surcharge": "100", "transactionRef": "FTH|Web|3FTH0001|MCN|180716085339|00000002", "transactionResponseCode": "90000", "transactionSet": "BillPayment" } ``` **Status Values:** | Status | Description | | ----------- | ------------------------- | | `Completed` | Transaction successful | | `Pending` | Transaction is processing | | `Failed` | Transaction failed | | `Reversed` | Transaction was reversed | *** ## Field Reference ### Category Fields | Field | Type | Description | | ------------- | ------- | ---------------------------------------------- | | `Id` | Integer | Unique identifier for the category | | `Name` | String | Category name | | `Description` | String | Brief description of the category | | `Billers` | Array | List of billers (empty in categories endpoint) | ### Biller Fields #### Core Fields (Required) | Field | Type | Description | | ---------------- | ------- | --------------------------------------------- | | `Id` | Integer | Unique biller identifier | | `Name` | String | Full biller name | | `ShortName` | String | Abbreviated biller code | | `Narration` | String | Service description | | `CustomerField1` | String | Label for primary customer input field | | `CustomerField2` | String | Label for secondary input (if required) | | `CurrencyCode` | String | ISO currency code (566=NGN, 840=USD, 404=KES) | | `CurrencySymbol` | String | Currency symbol (NGN, USD, KES) | | `AmountType` | Integer | How amount is determined (0-5) | #### Media Fields | Field | Description | | --------------- | --------------------------------------- | | `SmallImageId` | UUID for small logo (thumbnails) | | `MediumImageId` | UUID for medium logo (standard display) | | `LargeImageId` | UUID for large logo (detail views) | #### Internal Fields (Ignore) These fields are for internal use and should not be used in your implementation: - `Type`, `PayDirectProductId`, `PayDirectInstitutionId` - `QuickTellerSiteUrlName`, `NetworkId`, `ProductCode` - `PageFlowInfo`, `RiskCategoryId`, `Surcharge` - `CustomSectionUrl`, `CustomMessageUrl`, `LogoUrl` *** ## Amount Types The `AmountType` field determines how to handle payment amounts: | Value | Name | Description | | ----- | --------------------------- | ------------------------------------------------------------------------------------------------------- | | `0` | Any Amount (None) | No specific amount type is defined or required | | `1` | Minimum Amount | Represents the minimum allowable amount. The value must be greater than or equal to this amount. | | `2` | Greater Than Minimum Amount | Represents an amount that must be strictly greater than the minimum. The value must exceed this amount. | | `3` | Maximum Amount | Represents the maximum allowable amount. The value must be less than or equal to this amount. | | `4` | Less Than Maximum Amount | Represents an amount that must be strictly less than the maximum. The value must be below this amount. | | `5` | Exact Amount | Represents an exact amount that must be matched precisely. | *** ## Response Codes ### Success Codes | Code | Description | | ------- | ------------------------------ | | `90000` | Transaction/Request successful | ### Error Codes (Common) | Code | Description | Action | | ------- | --------------------- | ------------------------------- | | `90001` | Invalid customer ID | Check customer ID format | | `70120` | Open Circuit | Bank or Biller is down | | `90002` | Customer not found | Verify customer exists | | `90003` | Invalid amount | Check amount meets requirements | | `90004` | Insufficient funds | Check virtual card balance | | `90005` | Duplicate transaction | Use unique request reference | | `90006` | Service unavailable | Retry after some time | | `90007` | Invalid payment code | Verify payment code | | `90008` | Validation failed | Recheck customer details | ### Response Code Grouping | Grouping | Description | | ------------ | ------------------------------ | | `SUCCESSFUL` | Request processed successfully | | `FAILED` | Request failed | | `PENDING` | Request is being processed | *** ## Test Data Use the following test credentials during development: ### Test Credentials | Field | Value | | ---------------------------- | -------------------------------------------- | | **Terminal ID** | `3PBL0001` | | **Client ID** | IKIAF9CC50BE5C702A3A1859FE8175439EC9910AB7CC | | **Client Secret** | Tk52bmVRZGNNcXF1RzVMUkRiUk44VWh0Rg | | **Request Reference Prefix** | `1453` | | **Initiating Entity Code** | `PBL` | ### Test Virtual Card | Field | Value | | --------------- | ------------------ | | **Card Number** | `6280511000000095` | | **Expiry** | `12/2026` | | **CVV** | `000` | | **PIN** | `0000` | ### Test Billers | Service | Payment Code | Customer ID | Category | | ----------------------------------- | ------------ | --------------- | ------------------ | | DAARSAT Communications | `11310` | `01890003338` | Cable TV Bills (2) | | Abuja Disco Buypower Prepaid (PIN) | `051758901` | `12345678910` | Utility Bills (1) | | Church Of God Mission International | `52005` | `2348169901895` | Donations (7) | ### Test Scenarios **Scenario 1: Successful DSTV Payment** ``` Payment Code: 48001 Customer ID: 0000000001 Amount: 500000 (₦5,000) Expected: Success (90000) ``` **Scenario 2: Invalid Customer** ``` Payment Code: 48001 Customer ID: 9999999999 Expected: Customer not found error ``` **Scenario 3: Electricity Token Purchase** ``` Payment Code: 051758901 Customer ID: 12345678910 Amount: 100000 (₦1,000) Expected: Success with token in RechargePIN field and AdditionalInfo ``` *** ## Examples ### Example 1: Complete DSTV Subscription Flow ```javascript // Step 1: Get categories (fetch once and cache) const categories = await fetchCategories(); const cableCategory = categories.find(c => c.Name === "Cable TV Bills"); // Step 2: Get DSTV biller const billers = await fetchBillersByCategory(cableCategory.Id); const dstv = billers.find(b => b.Name === "Multichoice Limited"); // Step 3: Get payment items (bouquet options) const items = await fetchPaymentItems(dstv.Id); const compactPlus = items.find(i => i.Name === "Compact Plus"); // Step 4: Validate customer const validation = await validateCustomer({ paymentCode: compactPlus.PaymentCode, customerId: "0000000001" }); if (validation.ResponseCode !== "90000") { throw new Error("Invalid customer"); } // Step 5: Make payment const payment = await makePayment({ paymentCode: compactPlus.PaymentCode, customerId: "0000000001", customerMobile: "2348012345678", customerEmail: "customer@example.com", amount: compactPlus.Amount, requestReference: generateReference() // e.g., "14531678901234" }); console.log("Transaction Ref:", payment.TransactionRef); console.log("Status:", payment.ResponseDescription); ``` ### Example 2: Electricity Token Purchase ```javascript // Steps 1-3: Get AEDC biller (as shown above) // Step 4: Validate meter number const validation = await validateCustomer({ paymentCode: "051758901", customerId: "12345678910" }); // Step 5: Purchase token const payment = await makePayment({ paymentCode: "051758901", customerId: "12345678910", customerMobile: "2348123456789", amount: "100000", // ₦1,000 requestReference: "14539876543210" }); // Display token to customer console.log("Token:", payment.RechargePIN); console.log("Units:", payment.AdditionalInfo.Units);//This might not come, depends on biller ``` ### Example 3: Airtime Purchase (Any Amount) ```javascript // For AmountType 0 (Any Amount), skip Step 3 // Step 1-2: Get MTN biller const billers = await fetchBillersByCategory(4); // Mobile/Recharge const mtn = billers.find(b => b.Name.includes("MTN")); // Step 4: Validate phone number const validation = await validateCustomer({ paymentCode: "628051043", // From biller details customerId: "2348012345678" }); // Step 5: User enters amount (Any Amount Type) const userAmount = prompt("Enter amount (₦):"); const amountInKobo = parseInt(userAmount) * 100; const payment = await makePayment({ paymentCode: "628051043", customerId: "2348012345678", customerMobile: "2348012345678", amount: amountInKobo.toString(), requestReference: generateReference() }); ``` *** ## Best Practices 1. **Always Validate First:** Never skip customer validation (Step 4) before payment 2. **Unique References:** Generate unique `requestReference` for each transaction 3. **Handle Timeouts:** If payment times out, use Step 6 to check status before retrying 4. **Store References:** Save `TransactionRef` and `requestReference` for reconciliation 5. **Display tokens (`RechargePIN`):** For electricity and similar services, display the token clearly 6. **Error Handling:** Show user-friendly error messages based on response codes 7. **Idempotency:** Implement retry logic with the same reference for failed requests 8. **Security:** Never expose your client credentials in frontend code *** ## API Summary | Endpoint | Method | Description | | ---------------------------------- | ------ | ------------------------ | | `/services/categories` | GET | Get all categories | | `/services?categoryId={id}` | GET | Get billers in category | | `/services/options?serviceid={id}` | GET | Get payment items | | `/Transactions/validatecustomers` | POST | Validate customer ID | | `/Transactions` | POST | Make payment | | `/Transactions?requestRef={ref}` | GET | Query transaction status | *** ## Support For technical support or integration assistance: - **Email:** `support@interswitchng.com` - **Documentation:** [https://docs.interswitchgroup.com](https://docs.interswitchgroup.com) *** **Document Version:** 2.0
**Last Updated:** 2026-05-29
**API Version:** v5