BPAY

Payments can be made via BPAY from your mAccount or a Ledger Account to a valid Customer Reference Number (CRN) and Biller Code.

A prerequesite to sending payments via BPAY is the creation of an mWallet using the Create a mWallet endpoint. This is a virtual account, similar to a ledger account, that is used to store payer information required by BPAY for compliance purposes. A unique mWallet should be created for each unique payer, with the payers date of birth (or other significant date) and a unique PIN, which are used for authentication purposes.

When making a payment using the Execute a Transaction endpoint, you must set the paymentSource as "Mwallet", and pass the mwallet token in the request body.

"paymentSource": "Mwallet",
"Mwallet": {
  "token": "123456789"
}

Ledger accounts can be used for BPAY transactions in place of an mWallet. If a ledger account is used, funds are taken from the ledger account balance.

Prior to initiating a transaction you will need to ensure the mWallet has sufficient funds for the transaction. Funds can be added to the mWallet using an Internal Transfer.

Sample BPAY Payment

{
  "paymentSource": "mWallet",
  "mWallet": {
    "token": "6279059784226976"
  },
  "disbursements": [
    {
      "disbursementMethod": "bpay",
      "toBPayDetails": {
        "billerCode": "857763",
        "referenceNumber": "6279059700010918"
      },
      "amount": 100,
      "description": "Payment for utilities"
    }
  ],
  "uniqueReference": "f484ec18-6e1f-481b-a4bf-bea515d8lk34"
}

BPAY Tools

Monoova also offers endpoints to Search for BPAY billers if the details are unknown, and Get BPAY biller code details, which returns the biller name, CRN rules, and transaction limits.