Transfer Transaction Command

The amount for the goods or services being purchased is to be sent along in the request, as shown below. A unique payment reference or transfer code will be generated, which the customer will use to complete the payment via their mobile banking app or USSD. The terminal will poll for confirmation of the payment, and once the transfer is successfully received, the transaction will be marked as completed and a response returned.

Sample Request

<request>
<command>purchase</command>
<amount>5000</amount>
<paymentOption>transfer</paymentOption>
<accounttype>savings</accounttype>
<staff>staff_001</staff>
<tillRef>TXN123456</tillRef>
<additionalData></additionalData>
<tillID>TILL_001</tillID>
</request>

Response Message field description

This field will vary depending on the transaction:

Property	Type	default	Description
amount	String	null	The transaction amount as a string
paymentOption	String	null	A string representing the payment method (case-insensitive)
accountType	String	null	The type of account used for the transaction
staff	String	null	The identifier for the staff member processing the transaction
command	String	null	The command to execute for this transaction
tillRef	String	null	A unique reference for the till transaction, enables reconciliation between Till systems and payment processing records and links the payment terminal response back to the specific Till that initiated the request
additionalInfo	String	null	Any additional data or information for the transaction(example, loyalty points earned, promotional codes applied, merchant-specific data)
tillID	String	null	The identifier of the till device

Sample Response (success)

The response for success: at least a port is returned

<transResponse>
<Stan>000003</Stan>
<RespMessage>transaction approved</RespMessage>
<RespCode>00</RespCode>
<Amount>5000</Amount>
<TerminalId>2056XYZ1</TerminalId>
<MaskedPan>...</MaskedPan>
<TransRef>...</TransRef>
<TillRef>TXN123456</TillRef>
<AdditionalTransactionInfo>...</AdditionalTransactionInfo>
<Staff>staff_001</Staff>
<RRN>...</RRN>
<PaymentOption>transfer</PaymentOption>
<CardScheme>...</CardScheme>
</transResponse>

Sample Response (failure)

<transResponse>
<Stan>000003</Stan>
<RespMessage>insufficient funds</RespMessage>
<RespCode>51</RespCode>
<Amount>5000</Amount>
<TerminalId>2056XYZ1</TerminalId>
<MaskedPan>...</MaskedPan>
<TransRef>...</TransRef>
<TillRef>TXN123456</TillRef>
<AdditionalTransactionInfo>...</AdditionalTransactionInfo>
<Staff>staff_001</Staff>
<RRN>...</RRN>
<PaymentOption>transfer</PaymentOption>
<CardScheme>...</CardScheme>
</transResponse>