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 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 docid\ nmknovkipahgvaev5znxp endpoint, you must set the paymentsource as "mwallet", and pass the mwallet token in the request body json "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 docid\ wwxz1tualoiifpcgaokn2 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" }{ "durationms" 25, "status" "ok", "statusdescription" "operation completed successfully", "transactionid" 1022, "feeamountexcludinggst" 0, "feeamountgstcomponent" 0, "feeamountincludinggst" 0, "calleruniquereference" "bpay12345", "feebreakdown" { "disbursementfees" \[ { "disbursementarrayindex" 0, "disbursementfee" { "feeamountexcludinggst" 0 1, "feeamountgstcomponent" 0 01, "feeamountincludinggst" 0 11 } } ] } } bpay tools monoova also offers endpoints to docid\ miusytjxezag5u5cn4bcj if the details are unknown, and docid 01fpzlphv9ks4g332hwid , which returns the biller name, crn rules, and transaction limits