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 docid\ cpmy3qlwwluglszi z ab 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 docid\ nmknovkipahgvaev5znxp endpoint, you must set the paymentsource as "mwallet", and pass the mwallet token and pin in the request body this virtual account is automatically funded from your maccount balance json "paymentsource" "mwallet", "mwallet" { "token" "123456789", "pin" "0000", } ledger accounts can be used for bpay transactions in place of an mwallet in this scenario a pin is not required in the request body if a ledger account is used, funds are taken from the ledger account balance rather than your maccount bpay tools monoova also offers endpoints to search for bpay billers docid\ miusytjxezag5u5cn4bcj if the details are unknown, and get bpay biller code details docid 01fpzlphv9ks4g332hwid , which returns the biller name, crn rules, and transaction limits