Bills Payment
Table of Contents
- Overview
- Getting Started
- Authentication
- Integration Flow
- Step-by-Step Implementation
- Field Reference
- Amount Types
- Response Codes
- Test Data
- 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:
- You charge the user's card/wallet for the transaction amount
- You submit the payment details to the Bills Payment API
- Interswitch charges your virtual card for the equivalent amount
- Value is delivered to the customer's service account
- 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://passport-v2.k8.isw.la/passport/oauth/token
Request:
curl --location 'https://passport-v2.k8.isw.la/passport/oauth/token' \
--header 'Authorization: Basic <BASE64_ENCODED_CREDENTIALS>' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'scope=profile' \
--data-urlencode 'grant_type=client_credentials'Headers:
| Header | Value | Description |
|---|---|---|
Authorization | Basic <credentials> | Base64 encoded client_id:client_secret |
Content-Type | application/x-www-form-urlencoded | Request format |
Response:
{
"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": "[email protected]"
}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:
curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/services/categories' \
-H 'Authorization: Bearer <TOKEN>' \
-H 'terminalId: <YOUR_TERMINAL_ID>' \
-H 'Content-Type: application/json' \
-X GETResponse:
{
"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
Idfield is used to fetch billers in Step 2 - The
Billersarray 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:
curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/services?categoryId=1' \
-H "Authorization: Bearer <TOKEN>" \
-H "Content-Type: application/json" \
-H "TerminalID: <YOUR_TERMINAL_ID>" \
-X GETcurl 'https://qa.interswitchng.com/quicktellerservice/api/v5/services' \
-H "Authorization: Bearer <TOKEN>" \
-H "Content-Type: application/json" \
-H "TerminalID: <YOUR_TERMINAL_ID>" \
-X GETResponse:
{
"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"
}{
"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": "[email protected]",
"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": "[email protected]",
"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": "[email protected]",
"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": "[email protected]",
"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": "[email protected]",
"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": "[email protected]",
"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": "[email protected]",
"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": "[email protected]",
"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": "[email protected]",
"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": "[email protected]",
"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,
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style=\"padding-right:9px;padding-left:9px;padding-top:0;padding-bottom:0;border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;\" valign=\"top\"><a class=\"\" href=\"https://www.quickteller.com/\" style=\"word-wrap:break-word !important;\" target=\"_blank\" title=\"\"><img align=\"left\" alt=\"Quickteller Logo\" class=\"mcnImage\" height=\"NaN\" src=\"https://gallery.mailchimp.com/5dba363949b7ff2415401cdfc/images/QT_Logo_for_Newsletter.png\" style=\"max-width:178px;padding-bottom:0px;display:inline ! important;vertical-align:bottom;border:0px none;line-height:100%;outline:medium none;text-decoration:none;\" width=\"178\" /></a> </td></tr></tbody></table></td></tr></tbody></table><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" class=\"mcnImageBlock\" style=\"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;\" width=\"100%\"><tbody class=\"mcnImageBlockOuter\"><tr><td class=\"mcnImageBlockInner\" 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style=\"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;\" valign=\"top\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" class=\"mcnTextBlock\" height=\"296\" style=\"border-collapse:collapse;\" width=\"319\"><tbody class=\"mcnTextBlockOuter\"><tr><td class=\"mcnTextBlockInner\" style=\"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;\" valign=\"top\"><table align=\"left\" border=\"0\" cellpadding=\"0\" cellspacing=\"0\" class=\"mcnTextContentContainer\" height=\"273\" style=\"border-collapse:collapse;\" width=\"373\"><tbody><tr><td class=\"mcnTextContent\" style=\"padding-top:9px;padding-right:18px;padding-bottom:9px;padding-left:18px;border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;color:#606060;font-family:Helvetica;font-size:15px;line-height:150%;text-align:left;\" valign=\"top\"><h1 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none;text-decoration:none;vertical-align:bottom;\" width=\"274\" /></a> </td></tr><tr><td class=\"mcnTextContent\" style=\"padding-top:9px;padding-right:18px;padding-bottom:9px;padding-left:18px;border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;color:#606060;font-family:Helvetica;font-size:15px;line-height:150%;text-align:left;\" valign=\"top\" width=\"546\"><strong style=\"color:#808080;\"><em>Have you stepped up to Verve?</em></strong> </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><!-- // END BODY --> </td></tr><tr><td align=\"center\" style=\"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;\" valign=\"top\"><!-- BEGIN FOOTER // --> <table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" id=\"templateFooter\" style=\"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;background-color:#FFFFFF;border-top:0;border-bottom:0;\" width=\"600\"><tbody><tr><td class=\"footerContainer\" style=\"padding-bottom:9px;border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;\" valign=\"top\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" class=\"mcnTextBlock\" height=\"73\" style=\"border-collapse:collapse;\" width=\"330\"><tbody class=\"mcnTextBlockOuter\"><tr><td class=\"mcnTextBlockInner\" style=\"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;\" valign=\"top\"><table align=\"left\" border=\"0\" cellpadding=\"0\" cellspacing=\"0\" class=\"mcnTextContentContainer\" height=\"73\" style=\"border-collapse:collapse;\" width=\"337\"><tbody><tr><td class=\"mcnTextContent\" style=\"padding-top:9px;padding-right:18px;padding-bottom:9px;padding-left:18px;border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;color:#606060;font-family:Helvetica;font-size:11px;line-height:125%;text-align:left;\" valign=\"top\"><em>Copyright © 2013 Interswitch Limited, All rights reserved.</em><br /><br /><br /><br 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"Elements": [],
"FinishButtonName": "Finish",
"StartPage": "DoPayment.aspx",
"UsesPaymentItems": true,
"PerformInquiry": true,
"AllowRetry": true
},
"CategoryId": 24,
"CategoryName": "Quickteller Business",
"AmountType": 0
}
]
},
{
"Id": 25,
"Name": "Transfer Money",
"Description": "Transfers money to various destinations",
"Billers": [
{
"Type": "QF",
"Id": 700,
"PayDirectProductId": 149,
"PayDirectInstitutionId": 0,
"Name": "QT FundsTransfer",
"ShortName": "QTFT",
"Narration": "Tranfer Funds",
"CustomerField1": "Phone number",
"LogoUrl": "q.gif",
"Surcharge": "0",
"CurrencyCode": "566",
"CurrencySymbol": "NGN",
"QuickTellerSiteUrlName": "fundstransfer",
"PageFlowInfo": {
"Elements": [],
"FinishButtonName": "Finish",
"StartPage": "DoPayment.aspx",
"UsesPaymentItems": true,
"PerformInquiry": true,
"AllowRetry": true
},
"CategoryId": 25,
"CategoryName": "Transfer Money",
"AmountType": 0
},
{
"Type": "QTLF",
"Id": 17577,
"PayDirectProductId": 0,
"PayDirectInstitutionId": 0,
"Name": "Transfer Link",
"ShortName": "QTFTLWB",
"Narration": "Transfer Link ",
"CustomerField1": "E-mail",
"LogoUrl": "quickteller_logo.gif",
"Surcharge": "5250",
"CurrencyCode": "566",
"CurrencySymbol": "NGN",
"QuickTellerSiteUrlName": "transferlink",
"SupportEmail": "[email protected]",
"RiskCategoryId": "16201",
"PageFlowInfo": {
"Elements": [
{
"Title": "Bank",
"IsRequired": true,
"SortOrder": 0,
"ElementType": "SelectList",
"DataType": "String",
"SelectItemType": "Bank",
"Length": 0,
"SelectItems": [
{
"Name": " Mutual Trust Bank",
"Value": "9270"
},
{
"Name": "ABOVE ONLY MICROFINANCE BANK LTD",
"Value": "4329"
},
{
"Name": "Access Bank Nigeria Plcs",
"Value": "31"
},
{
"Name": "Aso Savings Plc",
"Value": "142"
},
{
"Name": "AutoPAY Test Bank",
"Value": "9462"
},
{
"Name": "Bank of Baroda",
"Value": "4237"
},
{
"Name": "CBA Kenya",
"Value": "4230"
},
{
"Name": "Central Bank of The Gambia",
"Value": "10501"
},
{
"Name": "CFC Stanbic Kenya",
"Value": "4232"
},
{
"Name": "CREDIT BANK LIMITED",
"Value": "4148"
},
{
"Name": "Diamond Bank Plc",
"Value": "72"
},
{
"Name": "Dubai Islamic Bank",
"Value": "4238"
},
{
"Name": "Ecobank Nigeria",
"Value": "47"
},
{
"Name": "Ecobank Nigeria2",
"Value": "89"
},
{
"Name": "Family Bank",
"Value": "4227"
},
{
"Name": "Faulu Bank",
"Value": "4234"
},
{
"Name": "Fidelity Bank Plc",
"Value": "51"
},
{
"Name": "First Bank of Nigeria Plc",
"Value": "8"
},
{
"Name": "First City Monument Bank",
"Value": "76"
},
{
"Name": "GT Bank Kenya",
"Value": "4130"
},
{
"Name": "Guaranty Trust Bank Plc",
"Value": "10"
},
{
"Name": "IBTC Chartered Bank Plc",
"Value": "17"
},
{
"Name": "Kenya Commercial Bank",
"Value": "4233"
},
{
"Name": "Keystone Bank",
"Value": "123"
},
{
"Name": "National Bank Kenya",
"Value": "4231"
},
{
"Name": "NIC BANK KENYA",
"Value": "4174"
},
{
"Name": "QT Advice Bank",
"Value": "146"
},
{
"Name": "Sidian Bank Kenya",
"Value": "4235"
},
{
"Name": "Skye Bank Plc",
"Value": "120"
},
{
"Name": "Spring Bank Plc",
"Value": "125"
},
{
"Name": "Sterling Bank Plc",
"Value": "121"
},
{
"Name": "Union Bank Nigeria Plc",
"Value": "11"
},
{
"Name": "United Bank for Africa Plc",
"Value": "7"
}
],
"ElementName": "BankId"
},
{
"Title": "Account Number",
"IsRequired": true,
"SortOrder": 1,
"ElementType": "TextBox",
"DataType": "Numeric",
"Length": 20,
"SelectItems": [],
"ElementName": "DestinationAccountNumber"
},
{
"Title": "Account Type",
"IsRequired": true,
"SortOrder": 2,
"ElementType": "SelectList",
"DataType": "String",
"SelectItemType": "AccountType",
"Length": 0,
"SelectItems": [
{
"Name": "Current",
"Value": "20"
},
{
"Name": "Savings",
"Value": "10"
},
{
"Name": "Not Sure",
"Value": "00"
}
],
"ElementName": "DestinationAccountType"
},
{
"Title": "Amount",
"IsRequired": true,
"SortOrder": 3,
"ElementType": "TextBox",
"DataType": "Amount",
"Length": 15,
"SelectItems": [],
"ElementName": "Amount"
},
{
"Title": "Receipient Name",
"IsRequired": false,
"SortOrder": 4,
"ElementType": "TextBox",
"DataType": "String",
"Length": 40,
"SelectItems": [],
"ElementName": "ReciepientName"
},
{
"Title": "Receipient Email",
"IsRequired": false,
"SortOrder": 5,
"ElementType": "TextBox",
"DataType": "String",
"Length": 40,
"SelectItems": [],
"ElementName": "ReciepientEmail"
},
{
"Title": "Remark (E.g Transfer to ABXC)",
"IsRequired": false,
"SortOrder": 7,
"ElementType": "TextBox",
"DataType": "String",
"Length": 22,
"SelectItems": [],
"ElementName": "Remark"
},
{
"Title": "Receipient Phone No",
"IsRequired": false,
"SortOrder": 0,
"ElementType": "TextBox",
"DataType": "Numeric",
"Length": 13,
"SelectItems": [],
"ElementName": "ReceipientPhoneNo"
},
{
"Title": "Receipient Phone No",
"IsRequired": false,
"SortOrder": 6,
"ElementType": "TextBox",
"DataType": "Numeric",
"Length": 12,
"SelectItems": [],
"ElementName": "ReciepientPhone"
}
],
"FinishButtonName": "Transfer",
"StartPage": "Payment/PaymentDetails",
"UsesPaymentItems": false,
"PerformInquiry": true,
"AllowRetry": true
},
"CategoryId": 25,
"CategoryName": "Transfer Money",
"AmountType": 0
},
{
"Type": "QFTN",
"Id": 701,
"PayDirectProductId": 0,
"PayDirectInstitutionId": 0,
"Name": "Transfer to Account",
"ShortName": "QTFTWB",
"Narration": "You have account details",
"CustomerField1": "E-Mail",
"LogoUrl": "quickteller_logo.gif",
"Surcharge": "5250",
"CurrencyCode": "566",
"CurrencySymbol": "NGN",
"QuickTellerSiteUrlName": "qtftweb",
"SupportEmail": "[email protected]",
"RiskCategoryId": "16201",
"PageFlowInfo": {
"Elements": [
{
"Title": "Bank",
"IsRequired": true,
"SortOrder": 0,
"ElementType": "SelectList",
"DataType": "String",
"SelectItemType": "Bank",
"Length": 0,
"SelectItems": [
{
"Name": " Mutual Trust Bank",
"Value": "9270"
},
{
"Name": "ABOVE ONLY MICROFINANCE BANK LTD",
"Value": "4329"
},
{
"Name": "Access Bank Nigeria Plcs",
"Value": "31"
},
{
"Name": "Aso Savings Plc",
"Value": "142"
},
{
"Name": "AutoPAY Test Bank",
"Value": "9462"
},
{
"Name": "Bank of Baroda",
"Value": "4237"
},
{
"Name": "CBA Kenya",
"Value": "4230"
},
{
"Name": "Central Bank of The Gambia",
"Value": "10501"
},
{
"Name": "CFC Stanbic Kenya",
"Value": "4232"
},
{
"Name": "CREDIT BANK LIMITED",
"Value": "4148"
},
{
"Name": "Diamond Bank Plc",
"Value": "72"
},
{
"Name": "Dubai Islamic Bank",
"Value": "4238"
},
{
"Name": "Ecobank Nigeria",
"Value": "47"
},
{
"Name": "Ecobank Nigeria2",
"Value": "89"
},
{
"Name": "Family Bank",
"Value": "4227"
},
{
"Name": "Faulu Bank",
"Value": "4234"
},
{
"Name": "Fidelity Bank Plc",
"Value": "51"
},
{
"Name": "First Bank of Nigeria Plc",
"Value": "8"
},
{
"Name": "First City Monument Bank",
"Value": "76"
},
{
"Name": "GT Bank Kenya",
"Value": "4130"
},
{
"Name": "Guaranty Trust Bank Plc",
"Value": "10"
},
{
"Name": "IBTC Chartered Bank Plc",
"Value": "17"
},
{
"Name": "Kenya Commercial Bank",
"Value": "4233"
},
{
"Name": "Keystone Bank",
"Value": "123"
},
{
"Name": "National Bank Kenya",
"Value": "4231"
},
{
"Name": "NIC BANK KENYA",
"Value": "4174"
},
{
"Name": "QT Advice Bank",
"Value": "146"
},
{
"Name": "Sidian Bank Kenya",
"Value": "4235"
},
{
"Name": "Skye Bank Plc",
"Value": "120"
},
{
"Name": "Spring Bank Plc",
"Value": "125"
},
{
"Name": "Sterling Bank Plc",
"Value": "121"
},
{
"Name": "Union Bank Nigeria Plc",
"Value": "11"
},
{
"Name": "United Bank for Africa Plc",
"Value": "7"
}
],
"ElementName": "BankId"
},
{
"Title": "Account Number",
"IsRequired": true,
"SortOrder": 1,
"ElementType": "TextBox",
"DataType": "Numeric",
"Length": 20,
"SelectItems": [],
"ElementName": "DestinationAccountNumber"
},
{
"Title": "Account Type",
"IsRequired": true,
"SortOrder": 2,
"ElementType": "SelectList",
"DataType": "String",
"SelectItemType": "AccountType",
"Length": 0,
"SelectItems": [
{
"Name": "Current",
"Value": "20"
},
{
"Name": "Savings",
"Value": "10"
},
{
"Name": "Not Sure",
"Value": "00"
}
],
"ElementName": "DestinationAccountType"
},
{
"Title": "Amount",
"IsRequired": true,
"SortOrder": 3,
"ElementType": "TextBox",
"DataType": "Amount",
"Length": 15,
"SelectItems": [],
"ElementName": "Amount"
},
{
"Title": "Remark (E.g Transfer to ABXC)",
"IsRequired": false,
"SortOrder": 7,
"ElementType": "TextBox",
"DataType": "String",
"Length": 22,
"SelectItems": [],
"ElementName": "Remark"
},
{
"Title": "Receipient Email",
"IsRequired": false,
"SortOrder": 5,
"ElementType": "TextBox",
"DataType": "Email",
"Length": 40,
"SelectItems": [],
"ElementName": "ReciepientEmail"
},
{
"Title": "Receipient Name",
"IsRequired": false,
"SortOrder": 4,
"ElementType": "TextBox",
"DataType": "String",
"Length": 40,
"SelectItems": [],
"ElementName": "ReciepientName"
},
{
"Title": "Receipient Phone No",
"IsRequired": false,
"SortOrder": 6,
"ElementType": "TextBox",
"DataType": "Numeric",
"Length": 12,
"SelectItems": [],
"ElementName": "ReciepientPhone"
}
],
"FinishButtonName": "Transfer",
"StartPage": "Payment/PaymentDetails",
"UsesPaymentItems": false,
"PerformInquiry": true,
"AllowRetry": true
},
"CategoryId": 25,
"CategoryName": "Transfer Money",
"SmallImageId": "42aab730-5bf5-4847-8b39-2c47f4b3503b",
"LargeImageId": "42aab730-5bf5-4847-8b39-2c47f4b3503b",
"MediumImageId": "42aab730-5bf5-4847-8b39-2c47f4b3503b",
"AmountType": 0
},
{
"Type": "QMFT",
"Id": 890,
"PayDirectProductId": 3976,
"PayDirectInstitutionId": 0,
"Name": "Transfer to Phone Test",
"ShortName": "QMT",
"Narration": "You only know your friend’s GSM no",
"CustomerField1": "E-mail",
"LogoUrl": "q.gif",
"Surcharge": "20000",
"CurrencyCode": "566",
"CurrencySymbol": "NGN",
"QuickTellerSiteUrlName": "transfertomobile",
"SupportEmail": "[email protected]",
"RiskCategoryId": "16204",
"PageFlowInfo": {
"Elements": [
{
"Title": "Beneficiary Phone Number",
"IsRequired": true,
"SortOrder": 0,
"ElementType": "TextBox",
"DataType": "Phone",
"Length": 11,
"SelectItems": [],
"ElementName": "ReciepientPhone"
},
{
"Title": "Amount",
"IsRequired": true,
"SortOrder": 2,
"ElementType": "TextBox",
"DataType": "Amount",
"Length": 12,
"SelectItems": [],
"ElementName": "Amount"
},
{
"Title": "4-digit transfer code",
"IsRequired": true,
"SortOrder": 3,
"ElementType": "TextBox",
"DataType": "Password",
"Length": 4,
"SelectItems": [],
"ElementName": "TransferPin"
},
{
"Title": "Beneficiary Email",
"IsRequired": false,
"SortOrder": 1,
"ElementType": "TextBox",
"DataType": "String",
"Length": 70,
"SelectItems": [],
"ElementName": "ReciepientEmail"
}
],
"FinishButtonName": "Transfer",
"StartPage": "Payment/PaymentDetails",
"UsesPaymentItems": false,
"PerformInquiry": true,
"AllowRetry": true
},
"CategoryId": 25,
"CategoryName": "Transfer Money",
"SmallImageId": "42aab730-5bf5-4847-8b39-2c47f4b3503b",
"AmountType": 0
}
]
},
{
"Id": 26,
"Name": "Receive Money",
"Description": "Receives money from various sources",
"Billers": [
{
"Type": "REM",
"Id": 502,
"PayDirectProductId": 3490,
"PayDirectInstitutionId": 0,
"Name": "Western Union - Receive Money",
"ShortName": "WU",
"Narration": "Western Union - Receive money",
"CustomerField1": "E-Mail",
"LogoUrl": "wu.png",
"Surcharge": "11122",
"CurrencyCode": "566",
"CurrencySymbol": "NGN",
"QuickTellerSiteUrlName": "westernunion",
"PageFlowInfo": {
"Elements": [
{
"Title": "MTCN",
"IsRequired": true,
"SortOrder": 0,
"ElementType": "TextBox",
"DataType": "Numeric",
"Length": 10,
"SelectItems": [],
"ElementName": "CustReference"
},
{
"Title": "Sender's Country",
"IsRequired": true,
"SortOrder": 1,
"ElementType": "SelectList",
"DataType": "String",
"SelectItemType": "Country",
"Length": 0,
"SelectItems": [
{
"Name": "AFGHANISTAN",
"Value": "AF"
},
{
"Name": "ALAND ISLANDS",
"Value": "AX"
},
{
"Name": "ALBANIA",
"Value": "AL"
},
{
"Name": "ALGERIA",
"Value": "DZ"
},
{
"Name": "AMERICAN SAMOA",
"Value": "AS"
},
{
"Name": "ANDORRA",
"Value": "AD"
},
{
"Name": "ANGOLA",
"Value": "AO"
},
{
"Name": "ANGUILLA",
"Value": "AI"
},
{
"Name": "ANTARCTICA",
"Value": "AQ"
},
{
"Name": "ANTIGUA AND BARBUDA",
"Value": "AG"
},
{
"Name": "ARGENTINA",
"Value": "AR"
},
{
"Name": "ARMENIA",
"Value": "AM"
},
{
"Name": "ARUBA",
"Value": "AW"
},
{
"Name": "AUSTRALIA",
"Value": "AU"
},
{
"Name": "AUSTRIA",
"Value": "AT"
},
{
"Name": "AZERBAIJAN",
"Value": "AZ"
},
{
"Name": "BAHAMAS",
"Value": "BS"
},
{
"Name": "BAHRAIN",
"Value": "BH"
},
{
"Name": "BANGLADESH",
"Value": "BD"
},
{
"Name": "BARBADOS",
"Value": "BB"
},
{
"Name": "BELARUS",
"Value": "BY"
},
{
"Name": "BELGIUM",
"Value": "BE"
},
{
"Name": "BELIZE",
"Value": "BZ"
},
{
"Name": "BENIN",
"Value": "BJ"
},
{
"Name": "BERMUDA",
"Value": "BM"
},
{
"Name": "BHUTAN",
"Value": "BT"
},
{
"Name": "BOLIVIA",
"Value": "BO"
},
{
"Name": "BOSNIA AND HERZEGOVINA",
"Value": "BA"
},
{
"Name": "BOTSWANA",
"Value": "BW"
},
{
"Name": "BOUVET ISLAND",
"Value": "BV"
},
{
"Name": "BRAZIL",
"Value": "BR"
},
{
"Name": "BRITISH INDIAN OCEAN TERRITORY",
"Value": "IO"
},
{
"Name": "BRUNEI DARUSSALAM",
"Value": "BN"
},
{
"Name": "BULGARIA",
"Value": "BG"
},
{
"Name": "BURKINA FASO",
"Value": "BF"
},
{
"Name": "BURUNDI",
"Value": "BI"
},
{
"Name": "CAMBODIA",
"Value": "KH"
},
{
"Name": "CAMEROON",
"Value": "CM"
},
{
"Name": "CANADA",
"Value": "CA"
},
{
"Name": "CAPE VERDE",
"Value": "CV"
},
{
"Name": "CAYMAN ISLANDS",
"Value": "KY"
},
{
"Name": "CENTRAL AFRICAN REPUBLIC",
"Value": "CF"
},
{
"Name": "CHAD",
"Value": "TD"
},
{
"Name": "CHILE",
"Value": "CL"
},
{
"Name": "CHINA",
"Value": "CN"
},
{
"Name": "CHRISTMAS ISLAND",
"Value": "CX"
},
{
"Name": "COCOS (KEELING) ISLANDS",
"Value": "CC"
},
{
"Name": "COLOMBIA",
"Value": "CO"
},
{
"Name": "COMOROS",
"Value": "KM"
},
{
"Name": "CONGO",
"Value": "CG"
},
{
"Name": "CONGO - THE DEMOCRATIC REPUBLIC OF THE",
"Value": "CD"
},
{
"Name": "COOK ISLANDS",
"Value": "CK"
},
{
"Name": "COSTA RICA",
"Value": "CR"
},
{
"Name": "CÔTE D'IVOIRE",
"Value": "CI"
},
{
"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:
- Extract Biller ID: The
Idfield is critical for subsequent API calls - Customer Fields: Use
CustomerField1(andCustomerField2if present) to label your input forms - Amount Handling: Check
AmountTypeto determine how to handle payment amounts (see Amount Types section) - Logo Display: Use
MediumImageId,SmallImageId, orLargeImageIdfor biller logos (notLogoUrl) - Currency:
CurrencyCode566 = 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
AmountType2 (Fixed) or 5 (Selected) - Optional for: Billers with
AmountType0, 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:
curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/services/options?serviceid=17589' \
-H "Authorization: Bearer <TOKEN>" \
-H "Content-Type: application/json" \
-H "TerminalID: <YOUR_TERMINAL_ID>" \
-X GETResponse:
{
"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:
curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/Transactions/validatecustomers' \
-H "Authorization: Bearer <TOKEN>" \
-H "Content-Type: application/json" \
-H "TerminalID: <YOUR_TERMINAL_ID>" \
-d '{
"customers": [
{
"PaymentCode": "051758901",
"CustomerId": "12345678910"
"WithDetails": true
}
],
"TerminalId": "3PBL0001"
}' \
-X POSTRequest 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:
{
"Customers": [
{
"BillerId": 0,
"PaymentCode": "051758901",
"CustomerId": "12345678910",
"ResponseCode": "90000",
"FullName": "John Doe",
"Amount": 500000,
"AmountType": 0,
"AmountTypeDescription": "AnyAmount",
"Surcharge": 2500
}
],
"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
ResponseCodeis not90000, do not proceed with payment - Use the returned
Amountfor postpaid bills (AmountType 3) - Always display the
FullNameto 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:
curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/Transactions' \
-H "Authorization: Bearer <TOKEN>" \
-H "Content-Type: application/json" \
-H "TerminalID: <YOUR_TERMINAL_ID>" \
-d '{
"paymentCode": "051758901",
"customerId": "12345678910",
"customerMobile": "2348124888436",
"customerEmail": "[email protected]",
"amount": "500000",
"requestReference": "122200898163"
}' \
-X POSTRequest 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:
{
"TransactionRef": "PBL|Web|3pbl0001|VerveECa|010223180453|4WNYQJ3NDB",
"ApprovedAmount": "500000",
"AdditionalInfo": {
"token": "1234-5678-9012",
"units": "45.5 kWh"
},
"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:
- Your app submits payment request
- API validates the request
- Your virtual card is debited
- Biller receives the payment
- Value is delivered to customer
- 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:
curl 'https://qa.interswitchng.com/quicktellerservice/api/v5/Transactions?requestRef=122200898163' \
-H "Authorization: Bearer <TOKEN>" \
-H "Content-Type: application/json" \
-H "TerminalID: <YOUR_TERMINAL_ID>" \
-X GETResponse:
{
"billPayment": {
"biller": "MCN",
"customerId1": "000000001",
"customerId2": null,
"paymentTypeName": "Family",
"paymentTypeCode": "COFAMW4",
"billerId": "104"
},
"amount": "2000",
"currencyCode": "566",
"customer": "000000001",
"customerEmail": "[email protected]",
"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,PayDirectInstitutionIdQuickTellerSiteUrlName,NetworkId,ProductCodePageFlowInfo,RiskCategoryId,SurchargeCustomSectionUrl,CustomMessageUrl,LogoUrl
Amount Types
The AmountType field determines how to handle payment amounts:
| Value | Name | Description | Implementation |
|---|---|---|---|
0 | Any Amount | Customer can enter any amount | Free-form input field |
1 | Open Amount | Amount with validation rules | Validated input field |
2 | Fixed Amount | Predefined amount | Display amount, no input |
3 | Exact Amount | Must match validation response | Use amount from Step 4 |
4 | Range Amount | Within specified range | Input with min/max limits |
5 | Selected Amount | Choose from options | Dropdown selection |
Response Codes
Success Codes
| Code | Description |
|---|---|
90000 | Transaction/Request successful |
Error Codes (Common)
| Code | Description | Action |
|---|---|---|
90001 | Invalid customer ID | Check customer ID format |
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 errorScenario 3: Electricity Token Purchase
Payment Code: 051758901
Customer ID: 12345678910
Amount: 100000 (₦1,000)
Expected: Success with token in AdditionalInfoExamples
Example 1: Complete DSTV Subscription Flow
// 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: "[email protected]",
amount: compactPlus.Amount,
requestReference: generateReference() // e.g., "14531678901234"
});
console.log("Transaction Ref:", payment.TransactionRef);
console.log("Status:", payment.ResponseDescription);Example 2: Electricity Token Purchase
// 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.AdditionalInfo.token);
console.log("Units:", payment.AdditionalInfo.units);Example 3: Airtime Purchase (Any Amount)
// 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
- Always Validate First: Never skip customer validation (Step 4) before payment
- Unique References: Generate unique
requestReferencefor each transaction - Handle Timeouts: If payment times out, use Step 6 to check status before retrying
- Store References: Save
TransactionRefandrequestReferencefor reconciliation - Display Tokens: For electricity and similar services, display the token clearly
- Error Handling: Show user-friendly error messages based on response codes
- Idempotency: Implement retry logic with the same reference for failed requests
- 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:
[email protected] - Documentation: https://docs.interswitchgroup.com
Document Version: 2.0
Last Updated: 2026-05-29
API Version: v5
Updated 3 days ago