Welcome to the VelvPay ecosystem! VelvPay is designed to empower businesses across Africa by providing seamless, secure, and scalable payment solutions. To further enhance our API's functionality and to meet the diverse needs of businesses, here are suites of packages that extend the capabilities of the VelvPay API, making it easier for developers to integrate, manage, and innovate.
\nAt VelvPay, we believe in the power of collaboration and open-source contributions. We're constantly looking for innovative developers who are passionate about building solutions that can make a real impact. If you've developed a package or an extension that can enhance the VelvPay API, we encourage you to share your work with our community.
\nWhether you're refining existing packages or creating entirely new ones, your contributions are invaluable. By sharing your packages with us at hello@velvpay.com, you'll be helping to create a richer, more diverse ecosystem that benefits all users of VelvPay.
\nTogether, we can push the boundaries of what's possible and continue to unlock prosperity for businesses across Africa. We look forward to seeing what you create!
\nJAVASCRIPT
\n`amount` is in kobo with an alternative of `amountInNaira` which has its equivalent in naira, all amount to be send should be in kobo except otherwise specified by setting the isNaira flag to `true`.
GENERATE AN ENCRYPTED AUTHORIZATION TOKEN
\nvar SECRET_KEY = \"\";
\nvar PUBLIC_KEY = \"\";
var ENCYPTION_KEY =\"\";
var REFERENCE_ID = \"\"; // this should be unique for every request
var AUTHORIZATION = SECRET_KEY+PUBLIC_KEY+REFERENCE_ID// please note that it needs to follow this order
var AUTHORIZATION_TOKEN = CryptoJS.AES.encrypt(authorization,ENCYPTION_KEY).toString();
To ensure secure and verifiable communication with the VelvPay API, every request must include a dynamically generated, encrypted authorization token. This document outlines the structure, rules, and behavior of the encryption and header system.
\nEach API request must contain an encrypted authorization token, which is derived from a deterministic combination of keys and a unique reference ID using \"AES Encryption\". This token is sent along with your public key and reference ID in the request headers.
\nauthorization = secretKey + publicKey + referenceId\n\nauthorization string using your encryptionKey.This encryption must:
\nBe deterministic for the same input
\nProduce a consistent ciphertext across implementations
\nUse padding and a block cipher mode suitable for API compatibility
\nConvert the final ciphertext to a string format appropriate for headers (e.g., Base64)
\nauthorizationToken = encrypt(authorization, encryptionKey)\n\n\n\nπ‘ The encryption function must support strong symmetric encryption using the provided
\nencryptionKey(hex format). Ensure your implementation securely decodes and uses it as raw bytes.
Must be unique for each API request
\nShould follow a deterministic or UUID-based pattern
\nMust be passed as part of the headers
\nCan be reused only in idempotent request flows (like retries)
\nFor every authenticated request, the following headers must be set:
\nThe encryption key must be securely generated and stored privately.
\nIt is strongly recommended that:
\nAll inputs are trimmed and validated before encryption
\nThe same encryption logic is used consistently across environments
\nThe encryption library used accepts hex-formatted keys or decodes them correctly
\nCross-language compatibility depends on:
\nMatching padding scheme (e.g., PKCS7)
\nMatching cipher mode (e.g., CBC)
\nConsistent handling of IVs (auto or fixed, based on implementation)
\nNever log or expose your secretKey or encryptionKey
Use HTTPS for all requests
\nRegenerate referenceId for every new request to prevent replay attacks
Do not reuse authorizationToken between requests
When testing via Postman or any third-party API client:
\nPrecompute the encrypted token using your encryption logic
\nAdd all required headers as specified above
\nConfirm that the same logic used in your application code is used in your Postman pre-request scripts (especially for encryption)
\nThe VelvPay API uses a layered authorization system based on dynamic encryption and signed identifiers. Always ensure:
\nCorrect order: secretKey + publicKey + referenceId
Consistent and secure encryption logic
\nInclusion of all required headers
\nUnique referenceId per request
All requests to the VelvPay API must include the following headers to ensure secure, encrypted communication.
\nUse the following headers for GET requests:
\nUse the following headers for POST requests:
\n\n\nπ Always ensure that the
\napi-keyvalue is freshly generated for each request, based on the correct combination:authorization = secretKey + publicKey + referenceId
VelvPay uses AES-256-CBC encryption with OpenSSL's legacy key derivation (EVP_BytesToKey) to generate the api-key header. This guide provides a complete, language-agnostic walkthrough so you can implement it in any programming language.
\napi-key: Base64-encoded encrypted payload (secretKey+publicKey+referenceId)
\npublic-key: Your VelvPay public key
\nreference-id: Unique transaction reference identifier
\nConcatenate three values in this exact order with NO separators:
\npayload = secretKey + publicKey + referenceId
\nExample:
secretKey = \"sk_test_123\"
publicKey = \"pk_test_456\"
referenceId = \"ref_789\"
Result: \"sk_test_123pk_test_456ref_789\"
Create 8 cryptographically secure random bytes:
\nsalt = random_bytes(8)
\nExample output: [0x5A, 0x3F, 0x8B, 0x12, 0xC4, 0x9E, 0x71, 0x2D]
\nIMPORTANT: Salt MUST be random for each encryption. Never use a fixed salt.
\nThis is the CRITICAL step for CryptoJS/OpenSSL compatibility.
\nAlgorithm:
\nConvert encryption password to UTF-8 bytes
\nConcatenate: data = password_bytes + salt
\nGenerate three MD5 hashes:
\nm[0] = MD5(data)
\nm[1] = MD5(m[0] + data)
\nm[2] = MD5(m[1] + data)
\nDerive key: key = m[0] + m[1] (32 bytes for AES-256)
\nDerive IV: iv = first 16 bytes of m[2]
\nDetailed Example:
password = \"myEncryptionPassword\"
salt = [0x5A, 0x3F, 0x8B, 0x12, 0xC4, 0x9E, 0x71, 0x2D]
password_bytes = UTF8(\"myEncryptionPassword\")
data = password_bytes + salt
m0 = MD5(data) // 16 bytes
m1 = MD5(m0 + data) // 16 bytes
m2 = MD5(m1 + data) // 16 bytes
key = m0 + m1 // 32 bytes total
iv = m2[0:16] // First 16 bytes
CRITICAL: Must use MD5, NOT SHA256 or any other hash function.
\nAES requires input to be a multiple of 16 bytes. Add padding:
\nAlgorithm:
\nCalculate: padding_length = 16 - (data_length % 16)
\nAppend padding_length bytes, each with value padding_length
\nExample 1:
data = \"Hello\" (5 bytes)
padding_length = 16 - (5 % 16) = 11
padded = \"Hello\" + [0x0B, 0x0B, 0x0B, 0x0B, 0x0B, 0x0B, 0x0B, 0x0B, 0x0B, 0x0B, 0x0B]
Result: 16 bytes total
Example 2:
data = \"1234567890123456\" (16 bytes, already aligned)
padding_length = 16 - (16 % 16) = 16
padded = data + [0x10, 0x10, 0x10, 0x10, 0x10, 0x10, 0x10, 0x10, 0x10, 0x10, 0x10, 0x10, 0x10, 0x10, 0x10, 0x10]
Result: 32 bytes total
NOTE: Some crypto libraries handle padding automatically. Check your library's documentation.
\nEncrypt the padded payload using:
\nAlgorithm: AES-256
\nMode: CBC (Cipher Block Chaining)
\nKey: 32 bytes from Step 3
\nIV: 16 bytes from Step 3
\nInput: Padded payload from Step 4
\nPseudocode:
cipher = AES_256_CBC_init(key, iv)
ciphertext = cipher.encrypt(padded_payload)
Combine components in this EXACT order:
\nresult = \"Salted__\" + salt + ciphertext
\nBreakdown:
\nMagic bytes: \"Salted__\" (8 ASCII bytes: 0x53 0x61 0x6C 0x74 0x65 0x64 0x5F 0x5F)
\nSalt: 8 random bytes from Step 2
\nCiphertext: Encrypted data from Step 5
\nExample:
magic = [0x53, 0x61, 0x6C, 0x74, 0x65, 0x64, 0x5F, 0x5F] // \"Salted__\"
salt = [0x5A, 0x3F, 0x8B, 0x12, 0xC4, 0x9E, 0x71, 0x2D]
ciphertext = [0x3A, 0x7F, ...] // encrypted bytes
result = magic + salt + ciphertext
\nConvert the entire binary result to Base64:
\napi_key = Base64_encode(result)
\nVERIFICATION: The output MUST start with \"U2FsdGVkX1\" (Base64 of \"Salted__\")
\nfunction generate_api_key(secret_key, public_key, reference_id, encryption_password):
// Step 1: Create payload
payload = secret_key + public_key + reference_id
// Step 2: Generate salt\nsalt = random_bytes(8)\n// Step 3: Derive key and IV using EVP_BytesToKey\npassword_bytes = UTF8_encode(encryption_password)\ndata = password_bytes + salt\nm0 = MD5(data)\nm1 = MD5(m0 + data)\nm2 = MD5(m1 + data)\nkey = m0 + m1 // 32 bytes\niv = m2[0:16] // 16 bytes\n// Step 4: Pad payload (PKCS7)\npadding_length = 16 - (length(payload) % 16)\npadded_payload = payload + repeat(byte(padding_length), padding_length)\n// Step 5: Encrypt with AES-256-CBC\nciphertext = AES_256_CBC_encrypt(padded_payload, key, iv)\n// Step 6: Format as OpenSSL Salted format\nresult = bytes(\"Salted__\") + salt + ciphertext\n// Step 7: Base64 encode\napi_key = Base64_encode(result)\nreturn api_key\n\nβ Identify your language's crypto library (OpenSSL, native crypto, etc.)
β Verify it supports: AES-256-CBC, MD5, Base64, Random bytes
β Understand byte/string encoding in your language (UTF-8 vs ASCII)
β Check if PKCS7 padding is automatic or manual
β Step 1: Concatenate strings correctly (no spaces, commas, or separators)
β Step 2: Generate cryptographically secure random bytes (not pseudo-random)
β Step 3: Implement EVP_BytesToKey with MD5 (NOT SHA256, NOT PBKDF2)
β Step 4: Apply PKCS7 padding correctly (or verify library does it)
β Step 5: Use AES-256-CBC mode with derived key and IV
β Step 6: Prepend \"Salted__\" magic bytes (8 bytes) + salt (8 bytes)
β Step 7: Base64 encode the ENTIRE binary result
β Output starts with \"U2FsdGVkX1\" (always)
β Output length is typically 88-128 characters
β Each encryption produces DIFFERENT output (due to random salt)
β Same inputs with same password decrypt to same payload
β Test with multiple payload sizes
β Compare with reference implementations
key = PBKDF2(password, salt, iterations=1000)
\nβ
CORRECT: Use EVP_BytesToKey with MD5
m0 = MD5(password + salt)
m1 = MD5(m0 + password + salt)
m2 = MD5(m1 + password + salt)
key = m0 + m1
WHY: VelvPay uses OpenSSL's legacy EVP_BytesToKey, not modern PBKDF2.
\nm0 = SHA256(data)
\nβ
CORRECT: Use MD5
m0 = MD5(data)
WHY: CryptoJS and OpenSSL legacy format use MD5 for key derivation.
\nresult = salt + ciphertext
\nβ
CORRECT: Include magic bytes
result = \"Salted__\" + salt + ciphertext
WHY: OpenSSL format requires the 8-byte magic prefix for identification.
\nresult = \"Salted__\" + salt + Base64(ciphertext)
\nβ
CORRECT: Combine first, then encode
result = Base64(\"Salted__\" + salt + ciphertext)
WHY: Base64 must encode the entire binary result, not individual parts.
\nsalt = [0x00, 0x00, 0x00, 0x00, 0x00, 0x00, 0x00, 0x00]
// or
salt = counter.to_bytes()
β
CORRECT: Use cryptographically secure random bytes
salt = crypto_random_bytes(8)
WHY: Predictable salts compromise security and make attacks easier.
\npayload = secret_key + \":\" + public_key + \":\" + reference_id
\nβ
CORRECT: Direct concatenation
payload = secret_key + public_key + reference_id
WHY: VelvPay expects direct concatenation with no delimiters.
\nLibrary: CryptoJS (simplest option)
Code:
const payload = secretKey + publicKey + referenceId;
const apiKey = CryptoJS.AES.encrypt(payload, encryptionPassword).toString();
Watch out: CryptoJS handles everything automatically (EVP_BytesToKey, padding, format)
\nLibrary: Native 'crypto' module
Watch out:
Must manually implement EVP_BytesToKey
\nUse Buffer for byte operations
\nString encoding matters (use 'utf8')
\nLibrary: pycryptodome or cryptography
Watch out:
Bytes vs strings (use .encode() and .decode())
\nMust manually implement EVP_BytesToKey
\nImport hashlib for MD5
\nFunctions: openssl_encrypt(), md5(), base64_encode()
Watch out:
Use md5($data, true) for binary output (not hex)
\nOPENSSL_RAW_DATA flag for raw ciphertext
\nString concatenation with . operator
\nClasses: javax.crypto.Cipher, java.security.MessageDigest
Watch out:
Byte array handling and System.arraycopy()
\nCharset encoding (StandardCharsets.UTF_8)
\nException handling for crypto operations
\nPackages: crypto/aes, crypto/md5, encoding/base64
Watch out:
Explicit byte slicing and concatenation
\nUse append() for combining byte slices
\nManual PKCS7 padding implementation
\nClasses: System.Security.Cryptography.Aes, MD5
Watch out:
LINQ for byte array operations (Concat, Take)
\nEncoding.UTF8.GetBytes() for string conversion
\nUsing statements for proper disposal
\nLibrary: openssl (built-in)
Watch out:
String vs binary mode
\nUse pack/unpack for byte operations
\nDigest methods return binary by default
\nCrates: aes, block-modes, md5, base64
Watch out:
Ownership and borrowing with byte arrays
\nUse Vec for dynamic byte arrays
\nType conversions between &[u8] and Vec
\nFramework: CommonCrypto
Watch out:
Bridging to C functions (CCCrypt, CC_MD5)
\nArray for byte operations
\nData vs [UInt8] conversions
\nCommand: openssl enc
Code:
echo -n \"$payload\" | openssl enc -aes-256-cbc -md md5 -salt -pass pass:\"$password\" -base64
Watch out: Use -md md5 flag for legacy key derivation
\napi_key = generate_api_key(\"secret\", \"public\", \"ref\", \"password\")
assert api_key.startsWith(\"U2FsdGVkX1\")
Expected: PASS
If FAIL: Check Step 6 (magic bytes) and Step 7 (Base64 encoding)
key1 = generate_api_key(\"secret\", \"public\", \"ref\", \"password\")
key2 = generate_api_key(\"secret\", \"public\", \"ref\", \"password\")
assert key1 != key2
Expected: PASS (different due to random salt)
If FAIL: Check Step 2 (salt generation must be random)
api_key = generate_api_key(\"secret\", \"public\", \"ref\", \"password\")
assert length(api_key) >= 88 AND length(api_key) <= 128
Expected: PASS
If FAIL: Check for missing components or incorrect encoding
api_key = generate_api_key(\"sk_test\", \"pk_test\", \"ref_123\", \"password\")
decrypted = decrypt(api_key, \"password\")
assert decrypted == \"sk_testpk_testref_123\"
Expected: PASS
If FAIL: Check payload concatenation and encryption parameters
// Generate in Language A
api_key_A = generate_api_key(\"secret\", \"public\", \"ref\", \"password\")
// Decrypt in Language B
decrypted_B = decrypt(api_key_A, \"password\")
assert decrypted_B == \"secretpublicref\"
Expected: PASS
If FAIL: Check EVP_BytesToKey implementation (most common issue)
Possible causes:
\nMissing \"Salted__\" prefix in Step 6
\nIncorrect order of components (should be: magic + salt + ciphertext)
\nBase64 encoding applied to wrong data
\nSolution: Print intermediate values and verify binary structure before encoding
\nPossible causes:
\nWrong key derivation (not using EVP_BytesToKey with MD5)
\nIncorrect IV extraction
\nWrong AES mode (must be CBC, not ECB or GCM)
\nPadding issues
\nSolution: Compare your key and IV with a working implementation using same password and salt
\nPossible causes:
\nPadding not applied or applied incorrectly
\nMissing salt or magic bytes
\nPartial Base64 encoding
\nSolution: Check that result = \"Salted__\" (8) + salt (8) + ciphertext (variable)
\nPossible causes:
\nSalt is not random (fixed or sequential)
\nUsing same salt value repeatedly
\nSolution: Verify random number generator is cryptographically secure
\nGET https://api.velvpay.com/test HTTP/1.1
api-key: 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
public-key: pk_live_abc123xyz789
reference-id: txn_20231210_001
Add this to your request's Pre-request Script tab:
\n// Get environment variables
const secretKey = pm.environment.get('secret_key');
const publicKey = pm.environment.get('public_key');
const referenceId = pm.environment.get('reference_id');
const encryptionPassword = pm.environment.get('encryption_password');
// Validate all variables are set
if (!secretKey || !publicKey || !referenceId || !encryptionPassword) {
throw new Error('Missing required environment variables');
}
// Create payload
const payload = secretKey + publicKey + referenceId;
// Encrypt using CryptoJS (built into Postman)
const apiKey = CryptoJS.AES.encrypt(payload, encryptionPassword).toString();
// Set as environment variable
pm.environment.set('api_key', apiKey);
// Log for debugging
console.log('=== VelvPay API Key Generation ===');
console.log('Secret Key:', secretKey);
console.log('Public Key:', publicKey);
console.log('Reference ID:', referenceId);
console.log('Payload:', payload);
console.log('Generated API Key:', apiKey);
console.log('Starts with U2FsdGVkX1:', apiKey.startsWith('U2FsdGVkX1'));
console.log('API Key Length:', apiKey.length);
Create a new environment in Postman and add these variables:
\nAfter implementing, verify:
β api_key starts with \"U2FsdGVkX1\"
β api_key length is 88-128 characters
β Each request generates different api_key
β All three headers are present
β Payload concatenation has no separators
β Using MD5 for key derivation (not SHA256)
β Salt is random (not fixed)
If your implementation doesn't work:
\nEnable debug logging - Print intermediate values (key, iv, salt, ciphertext)
\nVerify output format - Must start with \"U2FsdGVkX1\"
\nCheck key derivation - Use MD5, not SHA256 or PBKDF2
\nConfirm concatenation - No spaces, commas, or separators in payload
\nTest with examples - Compare with working implementations
\nCross-language test - Encrypt in one language, decrypt in another
\nCommon issues:
\nWrong hash function (using SHA256 instead of MD5)
\nMissing \"Salted__\" prefix
\nIncorrect payload concatenation
\nFixed salt instead of random
\nBase64 encoding applied to wrong data
\nSee the encryption examples below for complete working code in:
\nComplete, copy-paste ready implementations for 20+ programming languages.
\n<comment class='preserveHtml' class='preserveHtml'> Include CryptoJS library -->\n<script src=\"https://cdnjs.cloudflare.com/ajax/libs/crypto-js/4.1.1/crypto-js.min.js\"></script>\n<script>\nfunction generateApiKey(secretKey, publicKey, referenceId, encryptionPassword) {\n const payload = secretKey + publicKey + referenceId;\n const apiKey = CryptoJS.AES.encrypt(payload, encryptionPassword).toString();\n return apiKey;\n}\n// Usage\nconst secretKey = \"sk_test_your_secret_key\";\nconst publicKey = \"pk_test_your_public_key\";\nconst referenceId = \"ref_unique_123\";\nconst encryptionPassword = \"your_encryption_password\";\nconst apiKey = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\nconsole.log(\"API Key:\", apiKey);\nconsole.log(\"Valid:\", apiKey.startsWith(\"U2FsdGVkX1\"));\n</script>\n\nconst crypto = require('crypto');\nfunction evpBytesToKey(password, salt, keyLen = 32, ivLen = 16) {\n const md5 = (data) => crypto.createHash('md5').update(data).digest();\n const data = Buffer.concat([Buffer.from(password, 'utf8'), salt]);\n let d = md5(data);\n let d1 = md5(Buffer.concat([d, data]));\n let d2 = md5(Buffer.concat([d1, data]));\n const key = Buffer.concat([d, d1]).slice(0, keyLen);\n const iv = d2.slice(0, ivLen);\n return { key, iv };\n}\nfunction encrypt(text, password) {\n const salt = crypto.randomBytes(8);\n const { key, iv } = evpBytesToKey(password, salt);\n const cipher = crypto.createCipheriv('aes-256-cbc', key, iv);\n let encrypted = Buffer.concat([cipher.update(text, 'utf8'), cipher.final()]);\n const result = Buffer.concat([\n Buffer.from('Salted__', 'utf8'),\n salt,\n encrypted\n ]);\n return result.toString('base64');\n}\nfunction generateApiKey(secretKey, publicKey, referenceId, encryptionPassword) {\n const payload = secretKey + publicKey + referenceId;\n return encrypt(payload, encryptionPassword);\n}\n// Usage\nconst secretKey = \"sk_test_your_secret_key\";\nconst publicKey = \"pk_test_your_public_key\";\nconst referenceId = \"ref_unique_123\";\nconst encryptionPassword = \"your_encryption_password\";\nconst apiKey = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\nconsole.log(\"API Key:\", apiKey);\nconsole.log(\"Valid:\", apiKey.startsWith(\"U2FsdGVkX1\"));\n\nInstall: pip install pycryptodome
from Crypto.Cipher import AES\nfrom Crypto.Random import get_random_bytes\nimport hashlib\nimport base64\ndef evp_bytes_to_key(password, salt, key_len=32, iv_len=16):\n m = []\n data = password.encode('utf-8') + salt\n for i in range(3):\n if i == 0:\n m.append(hashlib.md5(data).digest())\n else:\n m.append(hashlib.md5(m[i-1] + data).digest())\n key = b''.join(m[:2])[:key_len]\n iv = m[2][:iv_len]\n return key, iv\ndef pkcs7_pad(data, block_size=16):\n pad_len = block_size - (len(data) % block_size)\n return data + bytes([pad_len] * pad_len)\ndef encrypt(text, password):\n salt = get_random_bytes(8)\n key, iv = evp_bytes_to_key(password, salt)\n cipher = AES.new(key, AES.MODE_CBC, iv)\n padded_text = pkcs7_pad(text.encode('utf-8'))\n encrypted = cipher.encrypt(padded_text)\n result = b'Salted__' + salt + encrypted\n return base64.b64encode(result).decode('utf-8')\ndef generate_api_key(secret_key, public_key, reference_id, encryption_password):\n payload = secret_key + public_key + reference_id\n return encrypt(payload, encryption_password)\n# Usage\nsecret_key = \"sk_test_your_secret_key\"\npublic_key = \"pk_test_your_public_key\"\nreference_id = \"ref_unique_123\"\nencryption_password = \"your_encryption_password\"\napi_key = generate_api_key(secret_key, public_key, reference_id, encryption_password)\nprint(f\"API Key: {api_key}\")\nprint(f\"Valid: {api_key.startswith('U2FsdGVkX1')}\")\n\nfunction evpBytesToKey($password, $salt, $keyLen = 32, $ivLen = 16) {\n $data = $password . $salt;\n $m = [];\n for ($i = 0; $i < 3; $i++) {\n if ($i == 0) {\n $m[] = md5($data, true);\n } else {\n $m[] = md5($m[$i-1] . $data, true);\n }\n }\n $key = substr($m[0] . $m[1], 0, $keyLen);\n $iv = substr($m[2], 0, $ivLen);\n return [$key, $iv];\n}\nfunction encrypt($text, $password) {\n $salt = openssl_random_pseudo_bytes(8);\n list($key, $iv) = evpBytesToKey($password, $salt);\n $encrypted = openssl_encrypt($text, 'aes-256-cbc', $key, OPENSSL_RAW_DATA, $iv);\n $result = 'Salted__' . $salt . $encrypted;\n return base64_encode($result);\n}\nfunction generateApiKey($secretKey, $publicKey, $referenceId, $encryptionPassword) {\n $payload = $secretKey . $publicKey . $referenceId;\n return encrypt($payload, $encryptionPassword);\n}\n// Usage\n$secretKey = \"sk_test_your_secret_key\";\n$publicKey = \"pk_test_your_public_key\";\n$referenceId = \"ref_unique_123\";\n$encryptionPassword = \"your_encryption_password\";\n$apiKey = generateApiKey($secretKey, $publicKey, $referenceId, $encryptionPassword);\necho \"API Key: \" . $apiKey . \"\\n\";\necho \"Valid: \" . (strpos($apiKey, 'U2FsdGVkX1') === 0 ? 'true' : 'false') . \"\\n\";\n?>\n\nrequire 'openssl'\nrequire 'base64'\ndef evp_bytes_to_key(password, salt, key_len = 32, iv_len = 16)\n data = password + salt\n m = []\n 3.times do |i|\n if i == 0\n m << OpenSSL::Digest::MD5.digest(data)\n else\n m << OpenSSL::Digest::MD5.digest(m[i-1] + data)\n end\n end\n key = (m[0] + m[1])[0, key_len]\n iv = m[2][0, iv_len]\n [key, iv]\nend\ndef encrypt(text, password)\n salt = OpenSSL::Random.random_bytes(8)\n key, iv = evp_bytes_to_key(password, salt)\n cipher = OpenSSL::Cipher.new('aes-256-cbc')\n cipher.encrypt\n cipher.key = key\n cipher.iv = iv\n encrypted = cipher.update(text) + cipher.final\n result = 'Salted__' + salt + encrypted\n Base64.strict_encode64(result)\nend\ndef generate_api_key(secret_key, public_key, reference_id, encryption_password)\n payload = secret_key + public_key + reference_id\n encrypt(payload, encryption_password)\nend\n# Usage\nsecret_key = \"sk_test_your_secret_key\"\npublic_key = \"pk_test_your_public_key\"\nreference_id = \"ref_unique_123\"\nencryption_password = \"your_encryption_password\"\napi_key = generate_api_key(secret_key, public_key, reference_id, encryption_password)\nputs \"API Key: #{api_key}\"\nputs \"Valid: #{api_key.start_with?('U2FsdGVkX1')}\"\n\nimport javax.crypto.*;\nimport javax.crypto.spec.*;\nimport java.security.*;\nimport java.util.Base64;\nimport java.util.Arrays;\npublic class VelvPayEncryption {\n private static byte[][] evpBytesToKey(byte[] password, byte[] salt) throws Exception {\n MessageDigest md = MessageDigest.getInstance(\"MD5\");\n byte[][] m = new byte[3][];\n for (int i = 0; i < 3; i++) {\n md.reset();\n if (i > 0) md.update(m[i-1]);\n md.update(password);\n md.update(salt);\n m[i] = md.digest();\n }\n byte[] key = new byte[32];\n System.arraycopy(m[0], 0, key, 0, 16);\n System.arraycopy(m[1], 0, key, 16, 16);\n byte[] iv = Arrays.copyOf(m[2], 16);\n return new byte[][] {key, iv};\n }\n public static String encrypt(String text, String password) throws Exception {\n byte[] salt = new byte[8];\n new SecureRandom().nextBytes(salt);\n byte[][] keyIv = evpBytesToKey(password.getBytes(\"UTF-8\"), salt);\n Cipher cipher = Cipher.getInstance(\"AES/CBC/PKCS5Padding\");\n cipher.init(Cipher.ENCRYPT_MODE, \n new SecretKeySpec(keyIv[0], \"AES\"), \n new IvParameterSpec(keyIv[1]));\n byte[] encrypted = cipher.doFinal(text.getBytes(\"UTF-8\"));\n byte[] result = new byte[16 + encrypted.length];\n System.arraycopy(\"Salted__\".getBytes(\"UTF-8\"), 0, result, 0, 8);\n System.arraycopy(salt, 0, result, 8, 8);\n System.arraycopy(encrypted, 0, result, 16, encrypted.length);\n return Base64.getEncoder().encodeToString(result);\n }\n public static String generateApiKey(String secretKey, String publicKey, \n String referenceId, String encryptionPassword) \n throws Exception {\n String payload = secretKey + publicKey + referenceId;\n return encrypt(payload, encryptionPassword);\n }\n public static void main(String[] args) throws Exception {\n String secretKey = \"sk_test_your_secret_key\";\n String publicKey = \"pk_test_your_public_key\";\n String referenceId = \"ref_unique_123\";\n String encryptionPassword = \"your_encryption_password\";\n String apiKey = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\n System.out.println(\"API Key: \" + apiKey);\n System.out.println(\"Valid: \" + apiKey.startsWith(\"U2FsdGVkX1\"));\n }\n}\n\npackage main\nimport (\n \"crypto/aes\"\n \"crypto/cipher\"\n \"crypto/md5\"\n \"crypto/rand\"\n \"encoding/base64\"\n \"fmt\"\n)\nfunc evpBytesToKey(password, salt []byte) ([]byte, []byte) {\n var m [][]byte\n data := append(password, salt...)\n for i := 0; i < 3; i++ {\n h := md5.New()\n if i > 0 {\n h.Write(m[i-1])\n }\n h.Write(data)\n m = append(m, h.Sum(nil))\n }\n key := append(m[0], m[1]...)\n iv := m[2]\n return key, iv\n}\nfunc pkcs7Pad(data []byte, blockSize int) []byte {\n padding := blockSize - (len(data) % blockSize)\n padText := make([]byte, padding)\n for i := range padText {\n padText[i] = byte(padding)\n }\n return append(data, padText...)\n}\nfunc encrypt(text, password string) (string, error) {\n salt := make([]byte, 8)\n if _, err := rand.Read(salt); err != nil {\n return \"\", err\n }\n key, iv := evpBytesToKey([]byte(password), salt)\n block, err := aes.NewCipher(key)\n if err != nil {\n return \"\", err\n }\n plaintext := pkcs7Pad([]byte(text), aes.BlockSize)\n ciphertext := make([]byte, len(plaintext))\n mode := cipher.NewCBCEncrypter(block, iv)\n mode.CryptBlocks(ciphertext, plaintext)\n result := append([]byte(\"Salted__\"), append(salt, ciphertext...)...)\n return base64.StdEncoding.EncodeToString(result), nil\n}\nfunc generateApiKey(secretKey, publicKey, referenceId, encryptionPassword string) (string, error) {\n payload := secretKey + publicKey + referenceId\n return encrypt(payload, encryptionPassword)\n}\nfunc main() {\n secretKey := \"sk_test_your_secret_key\"\n publicKey := \"pk_test_your_public_key\"\n referenceId := \"ref_unique_123\"\n encryptionPassword := \"your_encryption_password\"\n apiKey, err := generateApiKey(secretKey, publicKey, referenceId, encryptionPassword)\n if err != nil {\n panic(err)\n }\n fmt.Println(\"API Key:\", apiKey)\n fmt.Println(\"Valid:\", apiKey[:10] == \"U2FsdGVkX1\")\n}\n\nusing System;\nusing System.IO;\nusing System.Linq;\nusing System.Security.Cryptography;\nusing System.Text;\npublic class VelvPayEncryption\n{\n private static (byte[], byte[]) EvpBytesToKey(byte[] password, byte[] salt)\n {\n using (var md5 = MD5.Create())\n {\n var m = new byte[3][];\n var data = password.Concat(salt).ToArray();\n for (int i = 0; i < 3; i++)\n {\n if (i == 0)\n {\n m[i] = md5.ComputeHash(data);\n }\n else\n {\n m[i] = md5.ComputeHash(m[i-1].Concat(data).ToArray());\n }\n }\n var key = m[0].Concat(m[1]).ToArray();\n var iv = m[2].Take(16).ToArray();\n return (key, iv);\n }\n }\n public static string Encrypt(string text, string password)\n {\n byte[] salt = new byte[8];\n using (var rng = RandomNumberGenerator.Create())\n {\n rng.GetBytes(salt);\n }\n var (key, iv) = EvpBytesToKey(Encoding.UTF8.GetBytes(password), salt);\n using (var aes = Aes.Create())\n {\n aes.Key = key;\n aes.IV = iv;\n aes.Mode = CipherMode.CBC;\n aes.Padding = PaddingMode.PKCS7;\n using (var encryptor = aes.CreateEncryptor())\n {\n byte[] encrypted = encryptor.TransformFinalBlock(\n Encoding.UTF8.GetBytes(text), 0, text.Length);\n byte[] result = Encoding.UTF8.GetBytes(\"Salted__\")\n .Concat(salt)\n .Concat(encrypted)\n .ToArray();\n return Convert.ToBase64String(result);\n }\n }\n }\n public static string GenerateApiKey(string secretKey, string publicKey, \n string referenceId, string encryptionPassword)\n {\n string payload = secretKey + publicKey + referenceId;\n return Encrypt(payload, encryptionPassword);\n }\n public static void Main()\n {\n string secretKey = \"sk_test_your_secret_key\";\n string publicKey = \"pk_test_your_public_key\";\n string referenceId = \"ref_unique_123\";\n string encryptionPassword = \"your_encryption_password\";\n string apiKey = GenerateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\n Console.WriteLine($\"API Key: {apiKey}\");\n Console.WriteLine($\"Valid: {apiKey.StartsWith(\"U2FsdGVkX1\")}\");\n }\n}\n\nimport javax.crypto.Cipher\nimport javax.crypto.spec.IvParameterSpec\nimport javax.crypto.spec.SecretKeySpec\nimport java.security.MessageDigest\nimport java.security.SecureRandom\nimport java.util.Base64\nfun evpBytesToKey(password: ByteArray, salt: ByteArray): Pair<ByteArray, ByteArray> {\n val md = MessageDigest.getInstance(\"MD5\")\n val m = mutableListOf<ByteArray>()\n val data = password + salt\n repeat(3) { i ->\n md.reset()\n if (i > 0) md.update(m[i-1])\n md.update(data)\n m.add(md.digest())\n }\n val key = m[0] + m[1]\n val iv = m[2].take(16).toByteArray()\n return Pair(key, iv)\n}\nfun encrypt(text: String, password: String): String {\n val salt = ByteArray(8).apply { SecureRandom().nextBytes(this) }\n val (key, iv) = evpBytesToKey(password.toByteArray(), salt)\n val cipher = Cipher.getInstance(\"AES/CBC/PKCS5Padding\")\n cipher.init(Cipher.ENCRYPT_MODE, SecretKeySpec(key, \"AES\"), IvParameterSpec(iv))\n val encrypted = cipher.doFinal(text.toByteArray())\n val result = \"Salted__\".toByteArray() + salt + encrypted\n return Base64.getEncoder().encodeToString(result)\n}\nfun generateApiKey(secretKey: String, publicKey: String, referenceId: String, \n encryptionPassword: String): String {\n val payload = secretKey + publicKey + referenceId\n return encrypt(payload, encryptionPassword)\n}\n// Usage\nfun main() {\n val secretKey = \"sk_test_your_secret_key\"\n val publicKey = \"pk_test_your_public_key\"\n val referenceId = \"ref_unique_123\"\n val encryptionPassword = \"your_encryption_password\"\n val apiKey = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword)\n println(\"API Key: $apiKey\")\n println(\"Valid: ${apiKey.startsWith(\"U2FsdGVkX1\")}\")\n}\n\nimport Foundation\nimport CommonCrypto\nfunc evpBytesToKey(password: String, salt: [UInt8]) -> ([UInt8], [UInt8]) {\n var m: [[UInt8]] = []\n let passwordBytes = Array(password.utf8)\n let data = passwordBytes + salt\n for i in 0..<3 {\n var hash = [UInt8](repeating: 0, count: Int(CC_MD5_DIGEST_LENGTH))\n var input = i > 0 ? m[i-1] + data : data\n CC_MD5(&input, CC_LONG(input.count), &hash)\n m.append(hash)\n }\n let key = m[0] + m[1]\n let iv = Array(m[2].prefix(16))\n return (key, iv)\n}\nfunc encrypt(text: String, password: String) -> String? {\n let salt = (0..<8).map { _ in UInt8.random(in: 0...255) }\n let (key, iv) = evpBytesToKey(password: password, salt: salt)\n guard let textData = text.data(using: .utf8) else { return nil }\n let bufferSize = textData.count + kCCBlockSizeAES128\n var buffer = [UInt8](repeating: 0, count: bufferSize)\n var numBytesEncrypted = 0\n let cryptStatus = CCCrypt(\n CCOperation(kCCEncrypt),\n CCAlgorithm(kCCAlgorithmAES),\n CCOptions(kCCOptionPKCS7Padding),\n key, key.count,\n iv,\n [UInt8](textData), textData.count,\n &buffer, bufferSize,\n &numBytesEncrypted\n )\n guard cryptStatus == kCCSuccess else { return nil }\n let encrypted = Array(buffer.prefix(numBytesEncrypted))\n let result = Array(\"Salted__\".utf8) + salt + encrypted\n return Data(result).base64EncodedString()\n}\nfunc generateApiKey(secretKey: String, publicKey: String, referenceId: String, \n encryptionPassword: String) -> String? {\n let payload = secretKey + publicKey + referenceId\n return encrypt(text: payload, password: encryptionPassword)\n}\n// Usage\nlet secretKey = \"sk_test_your_secret_key\"\nlet publicKey = \"pk_test_your_public_key\"\nlet referenceId = \"ref_unique_123\"\nlet encryptionPassword = \"your_encryption_password\"\nif let apiKey = generateApiKey(secretKey: secretKey, publicKey: publicKey, \n referenceId: referenceId, \n encryptionPassword: encryptionPassword) {\n print(\"API Key: \\(apiKey)\")\n print(\"Valid: \\(apiKey.hasPrefix(\"U2FsdGVkX1\"))\")\n}\n\nCargo.toml dependencies:
\naes = \"0.8\"\nblock-modes = \"0.9\"\nmd5 = \"0.7\"\nrand = \"0.8\"\nbase64 = \"0.21\"\n\nuse aes::Aes256;\nuse block_modes::{BlockMode, Cbc};\nuse block_modes::block_padding::Pkcs7;\nuse md5::{Md5, Digest};\nuse rand::Rng;\nuse base64::{Engine as _, engine::general_purpose};\ntype Aes256Cbc = Cbc<Aes256, Pkcs7>;\nfn evp_bytes_to_key(password: &[u8], salt: &[u8]) -> (Vec<u8>, Vec<u8>) {\n let mut m: Vec<Vec<u8>> = Vec::new();\n let data: Vec<u8> = password.iter().chain(salt.iter()).copied().collect();\n for i in 0..3 {\n let mut hasher = Md5::new();\n if i > 0 {\n hasher.update(&m[i-1]);\n }\n hasher.update(&data);\n m.push(hasher.finalize().to_vec());\n }\n let key: Vec<u8> = m[0].iter().chain(m[1].iter()).copied().collect();\n let iv = m[2][..16].to_vec();\n (key, iv)\n}\nfn encrypt(text: &str, password: &str) -> String {\n let mut rng = rand::thread_rng();\n let salt: Vec<u8> = (0..8).map(|_| rng.gen()).collect();\n let (key, iv) = evp_bytes_to_key(password.as_bytes(), &salt);\n let cipher = Aes256Cbc::new_from_slices(&key, &iv).unwrap();\n let ciphertext = cipher.encrypt_vec(text.as_bytes());\n let mut result = b\"Salted__\".to_vec();\n result.extend_from_slice(&salt);\n result.extend_from_slice(&ciphertext);\n general_purpose::STANDARD.encode(&result)\n}\nfn generate_api_key(secret_key: &str, public_key: &str, reference_id: &str, \n encryption_password: &str) -> String {\n let payload = format!(\"{}{}{}\", secret_key, public_key, reference_id);\n encrypt(&payload, encryption_password)\n}\nfn main() {\n let secret_key = \"sk_test_your_secret_key\";\n let public_key = \"pk_test_your_public_key\";\n let reference_id = \"ref_unique_123\";\n let encryption_password = \"your_encryption_password\";\n let api_key = generate_api_key(secret_key, public_key, reference_id, encryption_password);\n println!(\"API Key: {}\", api_key);\n println!(\"Valid: {}\", api_key.starts_with(\"U2FsdGVkX1\"));\n}\n\nInstall: npm install crypto-js @types/crypto-js
import CryptoJS from 'crypto-js';\nfunction generateApiKey(\n secretKey: string, \n publicKey: string, \n referenceId: string, \n encryptionPassword: string\n): string {\n const payload = secretKey + publicKey + referenceId;\n return CryptoJS.AES.encrypt(payload, encryptionPassword).toString();\n}\n// Usage\nconst secretKey: string = \"sk_test_your_secret_key\";\nconst publicKey: string = \"pk_test_your_public_key\";\nconst referenceId: string = \"ref_unique_123\";\nconst encryptionPassword: string = \"your_encryption_password\";\nconst apiKey: string = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\nconsole.log(\"API Key:\", apiKey);\nconsole.log(\"Valid:\", apiKey.startsWith(\"U2FsdGVkX1\"));\n\n#!/bin/bash\ngenerate_api_key() {\n local secret_key=\"$1\"\n local public_key=\"$2\"\n local reference_id=\"$3\"\n local encryption_password=\"$4\"\n local payload=\"${secret_key}${public_key}${reference_id}\"\n # Using OpenSSL with MD5 key derivation (legacy)\n echo -n \"$payload\" | openssl enc -aes-256-cbc -md md5 -salt \\\n -pass pass:\"$encryption_password\" -base64\n}\n# Usage\nSECRET_KEY=\"sk_test_your_secret_key\"\nPUBLIC_KEY=\"pk_test_your_public_key\"\nREFERENCE_ID=\"ref_unique_123\"\nENCRYPTION_PASSWORD=\"your_encryption_password\"\nAPI_KEY=$(generate_api_key \"$SECRET_KEY\" \"$PUBLIC_KEY\" \"$REFERENCE_ID\" \"$ENCRYPTION_PASSWORD\")\necho \"API Key: $API_KEY\"\n\nfunction Get-EVPBytesToKey {\n param([byte[]]$Password, [byte[]]$Salt)\n $md5 = [System.Security.Cryptography.MD5]::Create()\n $m = @()\n $data = $Password + $Salt\n for ($i = 0; $i -lt 3; $i++) {\n if ($i -eq 0) {\n $m += ,$md5.ComputeHash($data)\n } else {\n $m += ,$md5.ComputeHash($m[$i-1] + $data)\n }\n }\n $key = $m[0] + $m[1]\n $iv = $m[2][0..15]\n @{ Key = $key; IV = $iv }\n}\nfunction Encrypt-VelvPay {\n param([string]$Text, [string]$Password)\n $salt = New-Object byte[] 8\n $rng = [System.Security.Cryptography.RandomNumberGenerator]::Create()\n $rng.GetBytes($salt)\n $keyIv = Get-EVPBytesToKey -Password ([Text.Encoding]::UTF8.GetBytes($Password)) -Salt $salt\n $aes = [System.Security.Cryptography.Aes]::Create()\n $aes.Key = $keyIv.Key\n $aes.IV = $keyIv.IV\n $aes.Mode = [System.Security.Cryptography.CipherMode]::CBC\n $aes.Padding = [System.Security.Cryptography.PaddingMode]::PKCS7\n $encryptor = $aes.CreateEncryptor()\n $textBytes = [Text.Encoding]::UTF8.GetBytes($Text)\n $encrypted = $encryptor.TransformFinalBlock($textBytes, 0, $textBytes.Length)\n $result = [Text.Encoding]::UTF8.GetBytes('Salted__') + $salt + $encrypted\n [Convert]::ToBase64String($result)\n}\nfunction New-VelvPayApiKey {\n param(\n [string]$SecretKey,\n [string]$PublicKey,\n [string]$ReferenceId,\n [string]$EncryptionPassword\n )\n $payload = $SecretKey + $PublicKey + $ReferenceId\n Encrypt-VelvPay -Text $payload -Password $EncryptionPassword\n}\n# Usage\n$apiKey = New-VelvPayApiKey `\n -SecretKey 'sk_test_your_secret_key' `\n -PublicKey 'pk_test_your_public_key' `\n -ReferenceId 'ref_unique_123' `\n -EncryptionPassword 'your_encryption_password'\nWrite-Host \"API Key: $apiKey\"\nWrite-Host \"Valid: $($apiKey.StartsWith('U2FsdGVkX1'))\"\n\npubspec.yaml dependencies:
\ncrypto: ^3.0.3\nencrypt: ^5.0.1\n\nimport 'dart:convert';\nimport 'dart:math';\nimport 'dart:typed_data';\nimport 'package:crypto/crypto.dart';\nimport 'package:encrypt/encrypt.dart';\n({Uint8List key, Uint8List iv}) evpBytesToKey(List<int> password, Uint8List salt) {\n final m = <Uint8List>[];\n final data = Uint8List.fromList(password + salt);\n for (var i = 0; i < 3; i++) {\n final input = i > 0 ? Uint8List.fromList(m[i-1] + data) : data;\n m.add(Uint8List.fromList(md5.convert(input).bytes));\n }\n final key = Uint8List.fromList(m[0] + m[1]);\n final iv = Uint8List.fromList(m[2].take(16).toList());\n return (key: key, iv: iv);\n}\nString encrypt(String text, String password) {\n final random = Random.secure();\n final salt = Uint8List.fromList(List.generate(8, (_) => random.nextInt(256)));\n final keyIv = evpBytesToKey(utf8.encode(password), salt);\n final encrypter = Encrypter(AES(Key(keyIv.key), mode: AESMode.cbc));\n final encrypted = encrypter.encryptBytes(utf8.encode(text), iv: IV(keyIv.iv));\n final result = Uint8List.fromList(\n utf8.encode('Salted__') + salt + encrypted.bytes\n );\n return base64.encode(result);\n}\nString generateApiKey(String secretKey, String publicKey, String referenceId, \n String encryptionPassword) {\n final payload = secretKey + publicKey + referenceId;\n return encrypt(payload, encryptionPassword);\n}\n// Usage\nvoid main() {\n final secretKey = 'sk_test_your_secret_key';\n final publicKey = 'pk_test_your_public_key';\n final referenceId = 'ref_unique_123';\n final encryptionPassword = 'your_encryption_password';\n final apiKey = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\n print('API Key: $apiKey');\n print('Valid: ${apiKey.startsWith(\"U2FsdGVkX1\")}');\n}\n\n#!/bin/bash\n# Generate API key\nSECRET_KEY=\"sk_test_your_secret_key\"\nPUBLIC_KEY=\"pk_test_your_public_key\"\nREFERENCE_ID=\"ref_unique_123\"\nENCRYPTION_PASSWORD=\"your_encryption_password\"\nPAYLOAD=\"${SECRET_KEY}${PUBLIC_KEY}${REFERENCE_ID}\"\nAPI_KEY=$(echo -n \"$PAYLOAD\" | openssl enc -aes-256-cbc -md md5 -salt -pass pass:\"$ENCRYPTION_PASSWORD\" -base64)\n# Make API request\ncurl -X GET \"https://api.velvpay.com/test\" \\\n -H \"api-key: $API_KEY\" \\\n -H \"public-key: $PUBLIC_KEY\" \\\n -H \"reference-id: $REFERENCE_ID\"\n\nChoose your language from the list above
\nCopy the complete code example
\nReplace placeholder values:
\nsk_test_your_secret_key β Your actual secret key
pk_test_your_public_key β Your actual public key
ref_unique_123 β Your unique reference ID
your_encryption_password β Your encryption password
Run the code to generate the API key
\nVerify the output starts with U2FsdGVkX1
Use the generated API key in your API requests
\nβ
Output starts with U2FsdGVkX1
β
Output length is 88-128 characters
β
Each encryption produces different output (random salt)
β
All three headers are set in API request
β
Payload concatenation has no separators
Problem: Output doesn't start with U2FsdGVkX1
Solution: Check that you're using MD5 for key derivation, not SHA256
Problem: Same output every time
Solution: Ensure salt is randomly generated, not fixed
Problem: Decryption fails
Solution: Verify EVP_BytesToKey implementation matches the specification
For complete documentation, see the main VelvPay API Authentication Guide.
\nComplete, copy-paste ready implementations for 20+ programming languages.
\n<comment class='preserveHtml' class='preserveHtml'> Include CryptoJS library -->\n<script src=\"https://cdnjs.cloudflare.com/ajax/libs/crypto-js/4.1.1/crypto-js.min.js\"></script>\n<script>\nfunction generateApiKey(secretKey, publicKey, referenceId, encryptionPassword) {\n const payload = secretKey + publicKey + referenceId;\n const apiKey = CryptoJS.AES.encrypt(payload, encryptionPassword).toString();\n return apiKey;\n}\n// Usage\nconst secretKey = \"sk_test_your_secret_key\";\nconst publicKey = \"pk_test_your_public_key\";\nconst referenceId = \"ref_unique_123\";\nconst encryptionPassword = \"your_encryption_password\";\nconst apiKey = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\nconsole.log(\"API Key:\", apiKey);\nconsole.log(\"Valid:\", apiKey.startsWith(\"U2FsdGVkX1\"));\n</script>\n\nconst crypto = require('crypto');\nfunction evpBytesToKey(password, salt, keyLen = 32, ivLen = 16) {\n const md5 = (data) => crypto.createHash('md5').update(data).digest();\n const data = Buffer.concat([Buffer.from(password, 'utf8'), salt]);\n let d = md5(data);\n let d1 = md5(Buffer.concat([d, data]));\n let d2 = md5(Buffer.concat([d1, data]));\n const key = Buffer.concat([d, d1]).slice(0, keyLen);\n const iv = d2.slice(0, ivLen);\n return { key, iv };\n}\nfunction encrypt(text, password) {\n const salt = crypto.randomBytes(8);\n const { key, iv } = evpBytesToKey(password, salt);\n const cipher = crypto.createCipheriv('aes-256-cbc', key, iv);\n let encrypted = Buffer.concat([cipher.update(text, 'utf8'), cipher.final()]);\n const result = Buffer.concat([\n Buffer.from('Salted__', 'utf8'),\n salt,\n encrypted\n ]);\n return result.toString('base64');\n}\nfunction generateApiKey(secretKey, publicKey, referenceId, encryptionPassword) {\n const payload = secretKey + publicKey + referenceId;\n return encrypt(payload, encryptionPassword);\n}\n// Usage\nconst secretKey = \"sk_test_your_secret_key\";\nconst publicKey = \"pk_test_your_public_key\";\nconst referenceId = \"ref_unique_123\";\nconst encryptionPassword = \"your_encryption_password\";\nconst apiKey = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\nconsole.log(\"API Key:\", apiKey);\nconsole.log(\"Valid:\", apiKey.startsWith(\"U2FsdGVkX1\"));\n\nInstall: pip install pycryptodome
from Crypto.Cipher import AES\nfrom Crypto.Random import get_random_bytes\nimport hashlib\nimport base64\ndef evp_bytes_to_key(password, salt, key_len=32, iv_len=16):\n m = []\n data = password.encode('utf-8') + salt\n for i in range(3):\n if i == 0:\n m.append(hashlib.md5(data).digest())\n else:\n m.append(hashlib.md5(m[i-1] + data).digest())\n key = b''.join(m[:2])[:key_len]\n iv = m[2][:iv_len]\n return key, iv\ndef pkcs7_pad(data, block_size=16):\n pad_len = block_size - (len(data) % block_size)\n return data + bytes([pad_len] * pad_len)\ndef encrypt(text, password):\n salt = get_random_bytes(8)\n key, iv = evp_bytes_to_key(password, salt)\n cipher = AES.new(key, AES.MODE_CBC, iv)\n padded_text = pkcs7_pad(text.encode('utf-8'))\n encrypted = cipher.encrypt(padded_text)\n result = b'Salted__' + salt + encrypted\n return base64.b64encode(result).decode('utf-8')\ndef generate_api_key(secret_key, public_key, reference_id, encryption_password):\n payload = secret_key + public_key + reference_id\n return encrypt(payload, encryption_password)\n# Usage\nsecret_key = \"sk_test_your_secret_key\"\npublic_key = \"pk_test_your_public_key\"\nreference_id = \"ref_unique_123\"\nencryption_password = \"your_encryption_password\"\napi_key = generate_api_key(secret_key, public_key, reference_id, encryption_password)\nprint(f\"API Key: {api_key}\")\nprint(f\"Valid: {api_key.startswith('U2FsdGVkX1')}\")\n\nfunction evpBytesToKey($password, $salt, $keyLen = 32, $ivLen = 16) {\n $data = $password . $salt;\n $m = [];\n for ($i = 0; $i < 3; $i++) {\n if ($i == 0) {\n $m[] = md5($data, true);\n } else {\n $m[] = md5($m[$i-1] . $data, true);\n }\n }\n $key = substr($m[0] . $m[1], 0, $keyLen);\n $iv = substr($m[2], 0, $ivLen);\n return [$key, $iv];\n}\nfunction encrypt($text, $password) {\n $salt = openssl_random_pseudo_bytes(8);\n list($key, $iv) = evpBytesToKey($password, $salt);\n $encrypted = openssl_encrypt($text, 'aes-256-cbc', $key, OPENSSL_RAW_DATA, $iv);\n $result = 'Salted__' . $salt . $encrypted;\n return base64_encode($result);\n}\nfunction generateApiKey($secretKey, $publicKey, $referenceId, $encryptionPassword) {\n $payload = $secretKey . $publicKey . $referenceId;\n return encrypt($payload, $encryptionPassword);\n}\n// Usage\n$secretKey = \"sk_test_your_secret_key\";\n$publicKey = \"pk_test_your_public_key\";\n$referenceId = \"ref_unique_123\";\n$encryptionPassword = \"your_encryption_password\";\n$apiKey = generateApiKey($secretKey, $publicKey, $referenceId, $encryptionPassword);\necho \"API Key: \" . $apiKey . \"\\n\";\necho \"Valid: \" . (strpos($apiKey, 'U2FsdGVkX1') === 0 ? 'true' : 'false') . \"\\n\";\n?>\n\nrequire 'openssl'\nrequire 'base64'\ndef evp_bytes_to_key(password, salt, key_len = 32, iv_len = 16)\n data = password + salt\n m = []\n 3.times do |i|\n if i == 0\n m << OpenSSL::Digest::MD5.digest(data)\n else\n m << OpenSSL::Digest::MD5.digest(m[i-1] + data)\n end\n end\n key = (m[0] + m[1])[0, key_len]\n iv = m[2][0, iv_len]\n [key, iv]\nend\ndef encrypt(text, password)\n salt = OpenSSL::Random.random_bytes(8)\n key, iv = evp_bytes_to_key(password, salt)\n cipher = OpenSSL::Cipher.new('aes-256-cbc')\n cipher.encrypt\n cipher.key = key\n cipher.iv = iv\n encrypted = cipher.update(text) + cipher.final\n result = 'Salted__' + salt + encrypted\n Base64.strict_encode64(result)\nend\ndef generate_api_key(secret_key, public_key, reference_id, encryption_password)\n payload = secret_key + public_key + reference_id\n encrypt(payload, encryption_password)\nend\n# Usage\nsecret_key = \"sk_test_your_secret_key\"\npublic_key = \"pk_test_your_public_key\"\nreference_id = \"ref_unique_123\"\nencryption_password = \"your_encryption_password\"\napi_key = generate_api_key(secret_key, public_key, reference_id, encryption_password)\nputs \"API Key: #{api_key}\"\nputs \"Valid: #{api_key.start_with?('U2FsdGVkX1')}\"\n\nimport javax.crypto.*;\nimport javax.crypto.spec.*;\nimport java.security.*;\nimport java.util.Base64;\nimport java.util.Arrays;\npublic class VelvPayEncryption {\n private static byte[][] evpBytesToKey(byte[] password, byte[] salt) throws Exception {\n MessageDigest md = MessageDigest.getInstance(\"MD5\");\n byte[][] m = new byte[3][];\n for (int i = 0; i < 3; i++) {\n md.reset();\n if (i > 0) md.update(m[i-1]);\n md.update(password);\n md.update(salt);\n m[i] = md.digest();\n }\n byte[] key = new byte[32];\n System.arraycopy(m[0], 0, key, 0, 16);\n System.arraycopy(m[1], 0, key, 16, 16);\n byte[] iv = Arrays.copyOf(m[2], 16);\n return new byte[][] {key, iv};\n }\n public static String encrypt(String text, String password) throws Exception {\n byte[] salt = new byte[8];\n new SecureRandom().nextBytes(salt);\n byte[][] keyIv = evpBytesToKey(password.getBytes(\"UTF-8\"), salt);\n Cipher cipher = Cipher.getInstance(\"AES/CBC/PKCS5Padding\");\n cipher.init(Cipher.ENCRYPT_MODE, \n new SecretKeySpec(keyIv[0], \"AES\"), \n new IvParameterSpec(keyIv[1]));\n byte[] encrypted = cipher.doFinal(text.getBytes(\"UTF-8\"));\n byte[] result = new byte[16 + encrypted.length];\n System.arraycopy(\"Salted__\".getBytes(\"UTF-8\"), 0, result, 0, 8);\n System.arraycopy(salt, 0, result, 8, 8);\n System.arraycopy(encrypted, 0, result, 16, encrypted.length);\n return Base64.getEncoder().encodeToString(result);\n }\n public static String generateApiKey(String secretKey, String publicKey, \n String referenceId, String encryptionPassword) \n throws Exception {\n String payload = secretKey + publicKey + referenceId;\n return encrypt(payload, encryptionPassword);\n }\n public static void main(String[] args) throws Exception {\n String secretKey = \"sk_test_your_secret_key\";\n String publicKey = \"pk_test_your_public_key\";\n String referenceId = \"ref_unique_123\";\n String encryptionPassword = \"your_encryption_password\";\n String apiKey = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\n System.out.println(\"API Key: \" + apiKey);\n System.out.println(\"Valid: \" + apiKey.startsWith(\"U2FsdGVkX1\"));\n }\n}\n\npackage main\nimport (\n \"crypto/aes\"\n \"crypto/cipher\"\n \"crypto/md5\"\n \"crypto/rand\"\n \"encoding/base64\"\n \"fmt\"\n)\nfunc evpBytesToKey(password, salt []byte) ([]byte, []byte) {\n var m [][]byte\n data := append(password, salt...)\n for i := 0; i < 3; i++ {\n h := md5.New()\n if i > 0 {\n h.Write(m[i-1])\n }\n h.Write(data)\n m = append(m, h.Sum(nil))\n }\n key := append(m[0], m[1]...)\n iv := m[2]\n return key, iv\n}\nfunc pkcs7Pad(data []byte, blockSize int) []byte {\n padding := blockSize - (len(data) % blockSize)\n padText := make([]byte, padding)\n for i := range padText {\n padText[i] = byte(padding)\n }\n return append(data, padText...)\n}\nfunc encrypt(text, password string) (string, error) {\n salt := make([]byte, 8)\n if _, err := rand.Read(salt); err != nil {\n return \"\", err\n }\n key, iv := evpBytesToKey([]byte(password), salt)\n block, err := aes.NewCipher(key)\n if err != nil {\n return \"\", err\n }\n plaintext := pkcs7Pad([]byte(text), aes.BlockSize)\n ciphertext := make([]byte, len(plaintext))\n mode := cipher.NewCBCEncrypter(block, iv)\n mode.CryptBlocks(ciphertext, plaintext)\n result := append([]byte(\"Salted__\"), append(salt, ciphertext...)...)\n return base64.StdEncoding.EncodeToString(result), nil\n}\nfunc generateApiKey(secretKey, publicKey, referenceId, encryptionPassword string) (string, error) {\n payload := secretKey + publicKey + referenceId\n return encrypt(payload, encryptionPassword)\n}\nfunc main() {\n secretKey := \"sk_test_your_secret_key\"\n publicKey := \"pk_test_your_public_key\"\n referenceId := \"ref_unique_123\"\n encryptionPassword := \"your_encryption_password\"\n apiKey, err := generateApiKey(secretKey, publicKey, referenceId, encryptionPassword)\n if err != nil {\n panic(err)\n }\n fmt.Println(\"API Key:\", apiKey)\n fmt.Println(\"Valid:\", apiKey[:10] == \"U2FsdGVkX1\")\n}\n\nusing System;\nusing System.IO;\nusing System.Linq;\nusing System.Security.Cryptography;\nusing System.Text;\npublic class VelvPayEncryption\n{\n private static (byte[], byte[]) EvpBytesToKey(byte[] password, byte[] salt)\n {\n using (var md5 = MD5.Create())\n {\n var m = new byte[3][];\n var data = password.Concat(salt).ToArray();\n for (int i = 0; i < 3; i++)\n {\n if (i == 0)\n {\n m[i] = md5.ComputeHash(data);\n }\n else\n {\n m[i] = md5.ComputeHash(m[i-1].Concat(data).ToArray());\n }\n }\n var key = m[0].Concat(m[1]).ToArray();\n var iv = m[2].Take(16).ToArray();\n return (key, iv);\n }\n }\n public static string Encrypt(string text, string password)\n {\n byte[] salt = new byte[8];\n using (var rng = RandomNumberGenerator.Create())\n {\n rng.GetBytes(salt);\n }\n var (key, iv) = EvpBytesToKey(Encoding.UTF8.GetBytes(password), salt);\n using (var aes = Aes.Create())\n {\n aes.Key = key;\n aes.IV = iv;\n aes.Mode = CipherMode.CBC;\n aes.Padding = PaddingMode.PKCS7;\n using (var encryptor = aes.CreateEncryptor())\n {\n byte[] encrypted = encryptor.TransformFinalBlock(\n Encoding.UTF8.GetBytes(text), 0, text.Length);\n byte[] result = Encoding.UTF8.GetBytes(\"Salted__\")\n .Concat(salt)\n .Concat(encrypted)\n .ToArray();\n return Convert.ToBase64String(result);\n }\n }\n }\n public static string GenerateApiKey(string secretKey, string publicKey, \n string referenceId, string encryptionPassword)\n {\n string payload = secretKey + publicKey + referenceId;\n return Encrypt(payload, encryptionPassword);\n }\n public static void Main()\n {\n string secretKey = \"sk_test_your_secret_key\";\n string publicKey = \"pk_test_your_public_key\";\n string referenceId = \"ref_unique_123\";\n string encryptionPassword = \"your_encryption_password\";\n string apiKey = GenerateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\n Console.WriteLine($\"API Key: {apiKey}\");\n Console.WriteLine($\"Valid: {apiKey.StartsWith(\"U2FsdGVkX1\")}\");\n }\n}\n\nimport javax.crypto.Cipher\nimport javax.crypto.spec.IvParameterSpec\nimport javax.crypto.spec.SecretKeySpec\nimport java.security.MessageDigest\nimport java.security.SecureRandom\nimport java.util.Base64\nfun evpBytesToKey(password: ByteArray, salt: ByteArray): Pair<ByteArray, ByteArray> {\n val md = MessageDigest.getInstance(\"MD5\")\n val m = mutableListOf<ByteArray>()\n val data = password + salt\n repeat(3) { i ->\n md.reset()\n if (i > 0) md.update(m[i-1])\n md.update(data)\n m.add(md.digest())\n }\n val key = m[0] + m[1]\n val iv = m[2].take(16).toByteArray()\n return Pair(key, iv)\n}\nfun encrypt(text: String, password: String): String {\n val salt = ByteArray(8).apply { SecureRandom().nextBytes(this) }\n val (key, iv) = evpBytesToKey(password.toByteArray(), salt)\n val cipher = Cipher.getInstance(\"AES/CBC/PKCS5Padding\")\n cipher.init(Cipher.ENCRYPT_MODE, SecretKeySpec(key, \"AES\"), IvParameterSpec(iv))\n val encrypted = cipher.doFinal(text.toByteArray())\n val result = \"Salted__\".toByteArray() + salt + encrypted\n return Base64.getEncoder().encodeToString(result)\n}\nfun generateApiKey(secretKey: String, publicKey: String, referenceId: String, \n encryptionPassword: String): String {\n val payload = secretKey + publicKey + referenceId\n return encrypt(payload, encryptionPassword)\n}\n// Usage\nfun main() {\n val secretKey = \"sk_test_your_secret_key\"\n val publicKey = \"pk_test_your_public_key\"\n val referenceId = \"ref_unique_123\"\n val encryptionPassword = \"your_encryption_password\"\n val apiKey = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword)\n println(\"API Key: $apiKey\")\n println(\"Valid: ${apiKey.startsWith(\"U2FsdGVkX1\")}\")\n}\n\nimport Foundation\nimport CommonCrypto\nfunc evpBytesToKey(password: String, salt: [UInt8]) -> ([UInt8], [UInt8]) {\n var m: [[UInt8]] = []\n let passwordBytes = Array(password.utf8)\n let data = passwordBytes + salt\n for i in 0..<3 {\n var hash = [UInt8](repeating: 0, count: Int(CC_MD5_DIGEST_LENGTH))\n var input = i > 0 ? m[i-1] + data : data\n CC_MD5(&input, CC_LONG(input.count), &hash)\n m.append(hash)\n }\n let key = m[0] + m[1]\n let iv = Array(m[2].prefix(16))\n return (key, iv)\n}\nfunc encrypt(text: String, password: String) -> String? {\n let salt = (0..<8).map { _ in UInt8.random(in: 0...255) }\n let (key, iv) = evpBytesToKey(password: password, salt: salt)\n guard let textData = text.data(using: .utf8) else { return nil }\n let bufferSize = textData.count + kCCBlockSizeAES128\n var buffer = [UInt8](repeating: 0, count: bufferSize)\n var numBytesEncrypted = 0\n let cryptStatus = CCCrypt(\n CCOperation(kCCEncrypt),\n CCAlgorithm(kCCAlgorithmAES),\n CCOptions(kCCOptionPKCS7Padding),\n key, key.count,\n iv,\n [UInt8](textData), textData.count,\n &buffer, bufferSize,\n &numBytesEncrypted\n )\n guard cryptStatus == kCCSuccess else { return nil }\n let encrypted = Array(buffer.prefix(numBytesEncrypted))\n let result = Array(\"Salted__\".utf8) + salt + encrypted\n return Data(result).base64EncodedString()\n}\nfunc generateApiKey(secretKey: String, publicKey: String, referenceId: String, \n encryptionPassword: String) -> String? {\n let payload = secretKey + publicKey + referenceId\n return encrypt(text: payload, password: encryptionPassword)\n}\n// Usage\nlet secretKey = \"sk_test_your_secret_key\"\nlet publicKey = \"pk_test_your_public_key\"\nlet referenceId = \"ref_unique_123\"\nlet encryptionPassword = \"your_encryption_password\"\nif let apiKey = generateApiKey(secretKey: secretKey, publicKey: publicKey, \n referenceId: referenceId, \n encryptionPassword: encryptionPassword) {\n print(\"API Key: \\(apiKey)\")\n print(\"Valid: \\(apiKey.hasPrefix(\"U2FsdGVkX1\"))\")\n}\n\nCargo.toml dependencies:
\naes = \"0.8\"\nblock-modes = \"0.9\"\nmd5 = \"0.7\"\nrand = \"0.8\"\nbase64 = \"0.21\"\n\nuse aes::Aes256;\nuse block_modes::{BlockMode, Cbc};\nuse block_modes::block_padding::Pkcs7;\nuse md5::{Md5, Digest};\nuse rand::Rng;\nuse base64::{Engine as _, engine::general_purpose};\ntype Aes256Cbc = Cbc<Aes256, Pkcs7>;\nfn evp_bytes_to_key(password: &[u8], salt: &[u8]) -> (Vec<u8>, Vec<u8>) {\n let mut m: Vec<Vec<u8>> = Vec::new();\n let data: Vec<u8> = password.iter().chain(salt.iter()).copied().collect();\n for i in 0..3 {\n let mut hasher = Md5::new();\n if i > 0 {\n hasher.update(&m[i-1]);\n }\n hasher.update(&data);\n m.push(hasher.finalize().to_vec());\n }\n let key: Vec<u8> = m[0].iter().chain(m[1].iter()).copied().collect();\n let iv = m[2][..16].to_vec();\n (key, iv)\n}\nfn encrypt(text: &str, password: &str) -> String {\n let mut rng = rand::thread_rng();\n let salt: Vec<u8> = (0..8).map(|_| rng.gen()).collect();\n let (key, iv) = evp_bytes_to_key(password.as_bytes(), &salt);\n let cipher = Aes256Cbc::new_from_slices(&key, &iv).unwrap();\n let ciphertext = cipher.encrypt_vec(text.as_bytes());\n let mut result = b\"Salted__\".to_vec();\n result.extend_from_slice(&salt);\n result.extend_from_slice(&ciphertext);\n general_purpose::STANDARD.encode(&result)\n}\nfn generate_api_key(secret_key: &str, public_key: &str, reference_id: &str, \n encryption_password: &str) -> String {\n let payload = format!(\"{}{}{}\", secret_key, public_key, reference_id);\n encrypt(&payload, encryption_password)\n}\nfn main() {\n let secret_key = \"sk_test_your_secret_key\";\n let public_key = \"pk_test_your_public_key\";\n let reference_id = \"ref_unique_123\";\n let encryption_password = \"your_encryption_password\";\n let api_key = generate_api_key(secret_key, public_key, reference_id, encryption_password);\n println!(\"API Key: {}\", api_key);\n println!(\"Valid: {}\", api_key.starts_with(\"U2FsdGVkX1\"));\n}\n\nInstall: npm install crypto-js @types/crypto-js
import CryptoJS from 'crypto-js';\nfunction generateApiKey(\n secretKey: string, \n publicKey: string, \n referenceId: string, \n encryptionPassword: string\n): string {\n const payload = secretKey + publicKey + referenceId;\n return CryptoJS.AES.encrypt(payload, encryptionPassword).toString();\n}\n// Usage\nconst secretKey: string = \"sk_test_your_secret_key\";\nconst publicKey: string = \"pk_test_your_public_key\";\nconst referenceId: string = \"ref_unique_123\";\nconst encryptionPassword: string = \"your_encryption_password\";\nconst apiKey: string = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\nconsole.log(\"API Key:\", apiKey);\nconsole.log(\"Valid:\", apiKey.startsWith(\"U2FsdGVkX1\"));\n\n#!/bin/bash\ngenerate_api_key() {\n local secret_key=\"$1\"\n local public_key=\"$2\"\n local reference_id=\"$3\"\n local encryption_password=\"$4\"\n local payload=\"${secret_key}${public_key}${reference_id}\"\n # Using OpenSSL with MD5 key derivation (legacy)\n echo -n \"$payload\" | openssl enc -aes-256-cbc -md md5 -salt \\\n -pass pass:\"$encryption_password\" -base64\n}\n# Usage\nSECRET_KEY=\"sk_test_your_secret_key\"\nPUBLIC_KEY=\"pk_test_your_public_key\"\nREFERENCE_ID=\"ref_unique_123\"\nENCRYPTION_PASSWORD=\"your_encryption_password\"\nAPI_KEY=$(generate_api_key \"$SECRET_KEY\" \"$PUBLIC_KEY\" \"$REFERENCE_ID\" \"$ENCRYPTION_PASSWORD\")\necho \"API Key: $API_KEY\"\n\nfunction Get-EVPBytesToKey {\n param([byte[]]$Password, [byte[]]$Salt)\n $md5 = [System.Security.Cryptography.MD5]::Create()\n $m = @()\n $data = $Password + $Salt\n for ($i = 0; $i -lt 3; $i++) {\n if ($i -eq 0) {\n $m += ,$md5.ComputeHash($data)\n } else {\n $m += ,$md5.ComputeHash($m[$i-1] + $data)\n }\n }\n $key = $m[0] + $m[1]\n $iv = $m[2][0..15]\n @{ Key = $key; IV = $iv }\n}\nfunction Encrypt-VelvPay {\n param([string]$Text, [string]$Password)\n $salt = New-Object byte[] 8\n $rng = [System.Security.Cryptography.RandomNumberGenerator]::Create()\n $rng.GetBytes($salt)\n $keyIv = Get-EVPBytesToKey -Password ([Text.Encoding]::UTF8.GetBytes($Password)) -Salt $salt\n $aes = [System.Security.Cryptography.Aes]::Create()\n $aes.Key = $keyIv.Key\n $aes.IV = $keyIv.IV\n $aes.Mode = [System.Security.Cryptography.CipherMode]::CBC\n $aes.Padding = [System.Security.Cryptography.PaddingMode]::PKCS7\n $encryptor = $aes.CreateEncryptor()\n $textBytes = [Text.Encoding]::UTF8.GetBytes($Text)\n $encrypted = $encryptor.TransformFinalBlock($textBytes, 0, $textBytes.Length)\n $result = [Text.Encoding]::UTF8.GetBytes('Salted__') + $salt + $encrypted\n [Convert]::ToBase64String($result)\n}\nfunction New-VelvPayApiKey {\n param(\n [string]$SecretKey,\n [string]$PublicKey,\n [string]$ReferenceId,\n [string]$EncryptionPassword\n )\n $payload = $SecretKey + $PublicKey + $ReferenceId\n Encrypt-VelvPay -Text $payload -Password $EncryptionPassword\n}\n# Usage\n$apiKey = New-VelvPayApiKey `\n -SecretKey 'sk_test_your_secret_key' `\n -PublicKey 'pk_test_your_public_key' `\n -ReferenceId 'ref_unique_123' `\n -EncryptionPassword 'your_encryption_password'\nWrite-Host \"API Key: $apiKey\"\nWrite-Host \"Valid: $($apiKey.StartsWith('U2FsdGVkX1'))\"\n\npubspec.yaml dependencies:
\ncrypto: ^3.0.3\nencrypt: ^5.0.1\n\nimport 'dart:convert';\nimport 'dart:math';\nimport 'dart:typed_data';\nimport 'package:crypto/crypto.dart';\nimport 'package:encrypt/encrypt.dart';\n({Uint8List key, Uint8List iv}) evpBytesToKey(List<int> password, Uint8List salt) {\n final m = <Uint8List>[];\n final data = Uint8List.fromList(password + salt);\n for (var i = 0; i < 3; i++) {\n final input = i > 0 ? Uint8List.fromList(m[i-1] + data) : data;\n m.add(Uint8List.fromList(md5.convert(input).bytes));\n }\n final key = Uint8List.fromList(m[0] + m[1]);\n final iv = Uint8List.fromList(m[2].take(16).toList());\n return (key: key, iv: iv);\n}\nString encrypt(String text, String password) {\n final random = Random.secure();\n final salt = Uint8List.fromList(List.generate(8, (_) => random.nextInt(256)));\n final keyIv = evpBytesToKey(utf8.encode(password), salt);\n final encrypter = Encrypter(AES(Key(keyIv.key), mode: AESMode.cbc));\n final encrypted = encrypter.encryptBytes(utf8.encode(text), iv: IV(keyIv.iv));\n final result = Uint8List.fromList(\n utf8.encode('Salted__') + salt + encrypted.bytes\n );\n return base64.encode(result);\n}\nString generateApiKey(String secretKey, String publicKey, String referenceId, \n String encryptionPassword) {\n final payload = secretKey + publicKey + referenceId;\n return encrypt(payload, encryptionPassword);\n}\n// Usage\nvoid main() {\n final secretKey = 'sk_test_your_secret_key';\n final publicKey = 'pk_test_your_public_key';\n final referenceId = 'ref_unique_123';\n final encryptionPassword = 'your_encryption_password';\n final apiKey = generateApiKey(secretKey, publicKey, referenceId, encryptionPassword);\n print('API Key: $apiKey');\n print('Valid: ${apiKey.startsWith(\"U2FsdGVkX1\")}');\n}\n\n#!/bin/bash\n# Generate API key\nSECRET_KEY=\"sk_test_your_secret_key\"\nPUBLIC_KEY=\"pk_test_your_public_key\"\nREFERENCE_ID=\"ref_unique_123\"\nENCRYPTION_PASSWORD=\"your_encryption_password\"\nPAYLOAD=\"${SECRET_KEY}${PUBLIC_KEY}${REFERENCE_ID}\"\nAPI_KEY=$(echo -n \"$PAYLOAD\" | openssl enc -aes-256-cbc -md md5 -salt -pass pass:\"$ENCRYPTION_PASSWORD\" -base64)\n# Make API request\ncurl -X GET \"https://api.velvpay.com/test\" \\\n -H \"api-key: $API_KEY\" \\\n -H \"public-key: $PUBLIC_KEY\" \\\n -H \"reference-id: $REFERENCE_ID\"\n\nChoose your language from the list above
\nCopy the complete code example
\nReplace placeholder values:
\nsk_test_your_secret_key β Your actual secret key
pk_test_your_public_key β Your actual public key
ref_unique_123 β Your unique reference ID
your_encryption_password β Your encryption password
Run the code to generate the API key
\nVerify the output starts with U2FsdGVkX1
Use the generated API key in your API requests
\nβ
Output starts with U2FsdGVkX1
β
Output length is 88-128 characters
β
Each encryption produces different output (random salt)
β
All three headers are set in API request
β
Payload concatenation has no separators
Problem: Output doesn't start with U2FsdGVkX1
Solution: Check that you're using MD5 for key derivation, not SHA256
Problem: Same output every time
Solution: Ensure salt is randomly generated, not fixed
Problem: Decryption fails
Solution: Verify EVP_BytesToKey implementation matches the specification
For complete documentation, see the main VelvPay API Authentication Guide.
\nEach example includes:
\nComplete EVP_BytesToKey implementation
\nFull encryption function
\nUsage examples
\nTest output
\nNever log or expose your secret_key in production
\nAlways use HTTPS for API requests
\nStore encryption_password (your encryption key) securely (environment variables, secrets manager)
\nRotate keys periodically
\nUse cryptographically secure random number generators for salt
\nValidate all inputs before encryption
\nEncryption Format: OpenSSL Salted__ (legacy)
AES Mode: CBC
Key Size: 256 bits
Block Size: 128 bits
Padding: PKCS7
Key Derivation: EVP_BytesToKey (MD5, 1 iteration)
Encoding: Base64
The endpoint to initiate payment
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["payment","collection","transaction"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[]}},"response":[{"id":"8cda8afe-364a-44a1-b588-f4546fe557d2","name":"Pay (Virtual Account) Successful","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\": 100,\r\n \"email\": \"testing@velvpay.com\",\r\n \"validityTime\": 20\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/collection/transaction"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"281"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"success\",\n \"msg\": \"payment instantiated successfully\",\n \"data\": {\n \"status\": \"00\",\n \"message\": \"Successful\",\n \"accountNumber\": \"4600100145\",\n \"reference\": \"VELV-Q59PWbnijs0RCNZcktWx\",\n \"amount\": 100,\n \"transactionId\": \"FR-ORETLB1VGHWZOJLAJTSY\",\n \"bank\": \"VFD Microfinance Bank\",\n \"validityTime\": 20\n }\n}"},{"id":"01797f44-af80-4a2e-bf8b-1bed1a79b939","name":"Pay (Virtual Account) Invalid amount","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\": 10,\r\n \"email\": \"testing@velvpay.com\",\r\n \"validityTime\": 20\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/collection/transaction"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"117"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"\\\"amount\\\" must be greater than or equal to 100\",\n \"err\": \"Wrong data, please check again!\"\n}"},{"id":"6e7b4ca7-6b3b-4e78-8aba-706b8ffd39b5","name":"Pay (Virtual Account) Invalid email","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\": 100,\r\n \"email\": \"testing@velvpay.com\",\r\n \"validityTime\": 20\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/collection/transaction"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"101"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"\\\"email\\\" must be a valid email\",\n \"err\": \"Wrong data, please check again!\"\n}"},{"id":"7924b1e1-19c0-4fc9-9162-01434d3b0a58","name":"Payment details","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/collection/transaction/details?transaction_id=FR-IM5N2MKNJ40HHKOKNWIV1","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","collection","transaction","details"],"query":[{"key":"transaction_id","value":"FR-IM5N2MKNJ40HHKOKNWIV1"}]}},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"119"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"\\\"validityTime\\\" must be less than or equal to 60\",\n \"err\": \"Wrong data, please check again!\"\n}"}],"_postman_id":"f0fac5e0-feac-487f-a61e-2530c804c9fa"},{"name":"Initiate payment","event":[{"listen":"prerequest","script":{"id":"12423e90-3b7d-4f9b-95a8-0891ddfb82c7","exec":["var SECRET_KEY = pm.globals.get(\"SECRET_KEY\");","var PUBLIC_KEY = pm.globals.get(\"PUBLIC_KEY\");","var ENCRYPTION_KEY = pm.globals.get(\"ENCRYPTION_KEY\");","console.log(SECRET_KEY, PUBLIC_KEY, ENCRYPTION_KEY)","var REFERENCE_ID = \"FR-\"+new Date().getTime(); // this should be unique for every request","var AUTHORIZATION = SECRET_KEY+PUBLIC_KEY+REFERENCE_ID// please note that it needs to follow this order","var AUTHORIZATION_TOKEN = CryptoJS.AES.encrypt(AUTHORIZATION,ENCRYPTION_KEY).toString();","pm.globals.set(\"AUTHORIZATION_TOKEN\",AUTHORIZATION_TOKEN)","pm.globals.set(\"REFERENCE_ID\",REFERENCE_ID)"],"type":"text/javascript","packages":{}}}],"id":"b367895b-9365-42aa-b3fb-7e1323c6c0a6","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"title\":\"Payment initiation demo\", \r\n \"description\":\"This shows you how to initite payment\", \r\n \"amount\":100000, \r\n \"isNaira\":false,\r\n \"chargeCustomer\":true, //allows you choose who incurs payment fee \r\n \"postPaymentInstructions\":\"we welcome you to work\" // use '**' for a new line\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/initiate","description":"The endpoint to initiate payment
\nSample Response
\n{\n \"status\": \"success\",\n \"msg\": \"Payment initiation demo created successfully\",\n \"short\": \"b-sh2ks\",\n \"amountInNaira\": 1000,\n \"amount\":100000,\n \"chargeCustomer\": true,\n \"postPaymentInstructions\": \"we welcome you to work\"// this will be sent to you but please don't display to your customer as we send along with payment receipt to customer after payment,\n \"title\":\"Payment initiation demo\",\n \"redirectUrl\": \"https://velvpay.com/receipt/FReidwi294sdldpw\",\n \"description\":\"This shows you how to initite payment\",\n \"link\": \"https://velvpay.com/pay/b-sh2ks\"\n }\n\nEndpoint to check for payment details
\nstatus can either be \"confirmed\", \"failed\", \"expired\", \"pending\"
\naccount number filter check for instance where the specified account number occurs and return the data
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["payment","collection","transaction","details"],"host":["https://api.velvpay.com/api/v1/service"],"query":[{"key":"transaction_id","value":"FR-IM5N2MKNJ40HHKOKNWIV1"},{"key":"send_webhook","value":"true"},{"key":"accounNo","value":"0201020201"},{"key":"channel","value":"bank"},{"key":"method","value":"withdrawal"},{"key":"status","value":"confirmed"}],"variable":[]}},"response":[{"id":"fedbcaed-8afd-425d-8f89-33f814550759","name":"Success Payment details","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/collection/transaction/details?transaction_id=FR-IM5N2MKNJ40HHKOKNWIV&send_webhook=true","protocol":"https","host":["api","velvpay","com"],"path":["api","v1","service","payment","collection","transaction","details"],"query":[{"key":"transaction_id","value":"FR-IM5N2MKNJ40HHKOKNWIV"},{"key":"send_webhook","value":"true"}]}},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"514"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"success\",\n \"msg\": \"Transaction Found\",\n \"data\": {\n \"webhook_url\": null,\n \"accountNumber\": \"4600555555\",\n \"metadata\": [\n {\n \"email\": \"testing@velvpay.com\"\n }\n ],\n \"_id\": \"6329a83ffeff1341b81c451b\",\n \"txId\": \"FR-IM5N2MKNJ40HHKOKNWIV\",\n \"link\": \"b-velv_technology\",\n \"name\": \"velv technology link\",\n \"amount\": 100,\n \"status\": \"pending\",\n \"channel\": \"API\",\n \"type\": \"primary\",\n \"method\": \"Payment Link\",\n \"date\": \"2022-09-20T11:47:10.000Z\",\n \"data\": {\n \"status\": \"00\",\n \"message\": \"Successful\",\n \"accountNumber\": \"4600555555\",\n \"reference\": \"VELV-ET84wRey8lMe01ArLqfK\"\n }\n }\n}"},{"id":"6ce7b97e-c214-42ca-845a-4db259d6f89b","name":"Not Found Payment details","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/collection/transaction/details?transaction_id=FR-IM5N2MKNJ40HHKOKNWIV1","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","collection","transaction","details"],"query":[{"key":"transaction_id","value":"FR-IM5N2MKNJ40HHKOKNWIV1"}]}},"status":"Not Found","code":404,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"46"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"success\",\n \"msg\": \"Transaction Found\"\n}"},{"id":"603d8ef7-0dcf-46e2-80e1-38180e0f1081","name":"Invalid Key Payment details","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk1","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/collection/transaction/details?transaction_id=FR-IM5N2MKNJ40HHKOKNWIV1","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","collection","transaction","details"],"query":[{"key":"transaction_id","value":"FR-IM5N2MKNJ40HHKOKNWIV1"}]}},"status":"Not Found","code":404,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"97"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"invalid secret key provided\",\n \"err\": \"Wrong data, please check again!\"\n}"}],"_postman_id":"7cba57ca-17f8-404f-816c-80ea68f50679"}],"id":"3c5ff3ba-e2bb-4bd7-8cf5-e3c883c0d6d5","description":"A business or merchant wants to collect payment from a customer. The process involves specifying the amount, generating a payment link, allowing the customer to choose a payment method, and redirecting the customer after successful payment.
\nSpecify Amount & Generate Payment Link
\nThe merchant specifies the amount to collect (and optionally, payer details or a redirect URL).
\nThe system returns a unique payment link for the transaction.
\nCustomer Opens Payment Link
\nThe customer opens the payment link in their browser.
\nThe payment page allows the customer to select a preferred payment option (e.g., bank transfer, card, USSD, etc.).
\nCustomer Makes Payment
\nThe customer completes the payment using their chosen method.
\nThe system processes the payment and updates the transaction status.
\nRedirection After Payment Confirmation
\nEndpoint: POST /api/v1/service/payment/initiate
Description: Start a new payment process by specifying the amount and (optionally) payer details and a redirect URL.
\nSample Request Body:
\n {\n \"amount\": 5000,\n \"payer_name\": \"Jane Doe\",\n \"payer_email\": \"jane@example.com\",\n \"redirect_url\": \"https://merchant.com/payment-success\"\n }\n\nSample Response:
\n {\n \"status\": \"initiated\",\n \"transaction_id\": \"FR-IM5N2MKNJ40HHKOKNWIV1\",\n \"payment_link\": \"https://pay.example.com/FR-IM5N2MKNJ40HHKOKNWIV1\"\n }\n\nThe customer opens the payment_link in their browser.
The payment page displays available payment options (e.g., bank transfer, card, USSD).
\nThe customer selects a payment method and completes the payment.
\nOnce the payment is confirmed, the system updates the transaction status.
\nThe customer is automatically redirected from the payment page to the redirect_url provided by the merchant (if any).
Endpoint: GET /api/v1/service/payment/collection/transaction/details?transaction_id={transaction_id}
Description: Retrieve the status and details of a specific payment transaction.
\nSample Request:
\n GET /api/v1/service/payment/collection/transaction/details?transaction_id=FR-IM5N2MKNJ40HHKOKNWIV1\n\nSample Response:
\n {\n \"transaction_id\": \"FR-IM5N2MKNJ40HHKOKNWIV1\",\n \"status\": \"confirmed\",\n \"amount\": 5000,\n \"payer\": { \"name\": \"Jane Doe\", \"email\": \"jane@example.com\" },\n \"method\": \"card\",\n \"channel\": \"web\",\n \"webhook_sent\": true\n }\n\nNote: Replace placeholders (e.g., {transaction_id}) with actual values. All endpoints are prefixed with /api/v1/service/.
Webhook sample response
\n{\n \"status\": \"success\",\n \"msg\": \"successful\",\n \"data\": {\n \"webhook_url\": null,\n \"accountNumber\": \"4600100121\",\n \"metadata\": [\n {\n \"email\": \"testing@velvpay.com\"\n }\n ],\n \"_id\": \"6329a83ffeff1341b81c451b\",\n \"txId\": \"FR-IM5N2MKNJ40HHKOKNWIV\",\n \"link\": \"b-eleos_technology\",\n \"name\": \"eleos technologylink\",\n \"amount\": 100,\n \"status\": \"pending\",\n \"channel\": \"API\",\n \"type\": \"primary\",\n \"method\": \"Payment Link\",\n \"date\": \"2022-09-20T11:47:10.000Z\",\n \"data\": {\n \"status\": \"00\",\n \"message\": \"Successful\",\n \"accountNumber\": \"4600100121\",\n \"reference\": \"VELV-ET84wRey8lMe01ArLqfK\"\n }\n}\n}\n\nNote:
\nThe Amount unit is Kobo
\n","_postman_id":"3c5ff3ba-e2bb-4bd7-8cf5-e3c883c0d6d5","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}}},{"name":"Webhook","item":[{"name":"webhook test","id":"a45dbd57-d1f6-4c08-acd8-8af8959b49b3","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\": 1000,\r\n \"email\": \"testin@velvpay.com\",\r\n \"validityTime\": 60\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/webhook/test","description":"The endpoint for testing your webhook, accept custom body request
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["webhook","test"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[]}},"response":[{"id":"878a256c-1af1-47b0-a6cf-898e403e6480","name":"Pay (Virtual Account) Successful","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\": 100,\r\n \"email\": \"testing@velvpay.com\",\r\n \"validityTime\": 20\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/collection/transaction"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"281"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":" {\n \"status\": \"success\",\n \"message\": \"successful\",\n \"data\": {\n \"discount\": {\n \"active\": false,\n \"option\": \"percentage\",\n \"value\": 0,\n \"price\": 0\n },\n \"referral\": {\n \"active\": false,\n \"option\": \"percentage\",\n \"value\": 0,\n \"price\": 0,\n \"code\": null\n },\n \"trackingInfo\": {\n \"firstEntry\": \"/pay/x-abc123\",\n \"referrer\": \"https://example.com/\",\n \"userAgent\": \"Generic Device\",\n \"deviceId\": \"000000000000000000000000\",\n \"timestamp\": \"\"\n },\n \"referenceId\": \"REF_0000000000000_abcxyz123\",\n \"paymentNoticeId\": null,\n \"postPaymentInstructions\": null,\n \"webhook_url\": null,\n \"accountNumber\": \"0000000000\",\n \"metadata\": [\n {\n \"email\": null,\n \"phoneNumber\": null,\n \"name\": null,\n \"paymentMethod\": \"generic\",\n \"deviceInfo\": {\n \"deviceFingerprint\": \"000000000000000000000000\",\n \"location\": {\n \"latitude\": 0,\n \"longitude\": 0\n },\n \"timestamp\": \"\"\n },\n \"ip\": \"0.0.0.0\"\n }\n ],\n \"fee\": 999999,\n \"items\": 1,\n \"feeInNaira\": 0,\n \"amountInNaira\": 0,\n \"chargeCustomer\": true,\n \"currency\": \"ngn\",\n \"isCashCraft\": false,\n \"pendingSettlement\": null,\n \"amountSettled\": 0,\n \"settlementAmountDone\": null,\n \"statusDescription\": null,\n \"affiliateProcessed\": false,\n \"txId\": \"XXXXXX123456\",\n \"affiliatedLinks\": [],\n \"amount\": 999999999,\n \"channel\": \"API\",\n \"date\": \"\",\n \"description\": \"Payment from: Anonymous\",\n \"indicator\": null,\n \"link\": \"x-abc123\",\n \"method\": \"payment link\",\n \"name\": \"generic payment\",\n \"orderId\": null,\n \"redirectUrl\": \"https://example.com/redirect\",\n \"status\": \"expired\", // The transaction status, can either be failed, expired, successful\n \"type\": \"once\",\n \"data\": {\n \"status\": \"00\",\n \"message\": \"Successful\",\n \"accountNumber\": \"0000000000\",\n \"reference\": \"VELV000000000000000000000\"\n },\n \"beneficiaries\": []\n }\n }\n"},{"id":"70710933-f546-45ff-bc5d-c06899e417e1","name":"Pay (Virtual Account) Invalid amount","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\": 10,\r\n \"email\": \"testing@velvpay.com\",\r\n \"validityTime\": 20\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/collection/transaction"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"117"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"\\\"amount\\\" must be greater than or equal to 100\",\n \"err\": \"Wrong data, please check again!\"\n}"},{"id":"45c7212f-9041-462e-8854-3815f5586ff7","name":"Pay (Virtual Account) Invalid email","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\": 100,\r\n \"email\": \"testin@velvpay.com\",\r\n \"validityTime\": 20\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/collection/transaction"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"101"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"\\\"email\\\" must be a valid email\",\n \"err\": \"Wrong data, please check again!\"\n}"},{"id":"b7ce8932-3c8c-4069-9f8a-f58536c1d56f","name":"Payment details","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/collection/transaction/details?transaction_id=FR-IM5N2MKNJ40HHKOKNWIV1","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","collection","transaction","details"],"query":[{"key":"transaction_id","value":"FR-IM5N2MKNJ40HHKOKNWIV1"}]}},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"119"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"\\\"validityTime\\\" must be less than or equal to 60\",\n \"err\": \"Wrong data, please check again!\"\n}"}],"_postman_id":"a45dbd57-d1f6-4c08-acd8-8af8959b49b3"}],"id":"0c6595d5-9b5a-49c5-8bc4-9b6a9a84b844","description":"our webhook requires you store your webhookToken along with your webhookURL on the business dashboard, in an event that you would like to activate the dynamic encryption option, please reach out to admin to activate this option for your account
for Basic encryption
\nexpect header `{Authorization: 'Bearer ' + webhookToken, Accepts: 'application/json' }`
for Dynamic encryption,
\n // we encrypt using a reference generated on our end\n const encryptionKey = encryptionKey\n const encryptData = webhookToken+reference // arrangement before encryption take place\n const encrypt = CryptoJS.AES.encrypt(encryptData,encryptionKey).toString();// encrypted value\n\nexpect header
\n{\"Authorization\": \"Bearer \" + encrypt,\"reference-id\":reference,\"Accepts\": \"application/json\" }\n\nSample webhook body
\nThe webhook status of interest is data.status
{\n \"status\": \"success\",\n \"message\": \"successful\",\n \"data\": {\n \"discount\": {\n \"active\": false,\n \"option\": \"percentage\",\n \"value\": 0,\n \"price\": 0\n },\n \"referral\": {\n \"active\": false,\n \"option\": \"percentage\",\n \"value\": 0,\n \"price\": 0,\n \"code\": null\n },\n \"trackingInfo\": {\n \"firstEntry\": \"/pay/x-abc123\",\n \"referrer\": \"https://example.com/\",\n \"userAgent\": \"Generic Device\",\n \"deviceId\": \"000000000000000000000000\",\n \"timestamp\": \"\"\n },\n \"referenceId\": \"REF_0000000000000_abcxyz123\",\n \"paymentNoticeId\": null,\n \"postPaymentInstructions\": null,\n \"webhook_url\": null,\n \"accountNumber\": \"0000000000\",\n \"metadata\": [\n {\n \"email\": null,\n \"phoneNumber\": null,\n \"name\": null,\n \"paymentMethod\": \"generic\",\n \"deviceInfo\": {\n \"deviceFingerprint\": \"000000000000000000000000\",\n \"location\": {\n \"latitude\": 0,\n \"longitude\": 0\n },\n \"timestamp\": \"\"\n },\n \"ip\": \"0.0.0.0\"\n }\n ],\n \"fee\": 999999,\n \"items\": 1,\n \"feeInNaira\": 0,\n \"amountInNaira\": 0,\n \"chargeCustomer\": true,\n \"currency\": \"ngn\",\n \"isCashCraft\": false,\n \"pendingSettlement\": null,\n \"amountSettled\": 0,\n \"settlementAmountDone\": null,\n \"statusDescription\": null,\n \"affiliateProcessed\": false,\n \"txId\": \"XXXXXX123456\",\n \"affiliatedLinks\": [],\n \"amount\": 999999999,\n \"channel\": \"API\",\n \"date\": \"\",\n \"description\": \"Payment from: Anonymous\",\n \"indicator\": null,\n \"link\": \"x-abc123\",\n \"method\": \"payment link\",\n \"name\": \"generic payment\",\n \"orderId\": null,\n \"redirectUrl\": \"https://example.com/redirect\",\n \"status\": \"expired\", // The transaction status, can either be failed, expired, successful\n \"type\": \"once\",\n \"data\": {\n \"status\": \"00\",\n \"message\": \"Successful\",\n \"accountNumber\": \"0000000000\",\n \"reference\": \"VELV000000000000000000000\"\n },\n \"beneficiaries\": []\n }\n }\n\nThe endpoint to initiate fund request
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["request","fund"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[]}},"response":[{"id":"93cea973-d92e-480a-93c8-cd8ea042acd3","name":"Request Fund","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"},{"key":"idempotencykey","value":"idempotencykey","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"type\": \"user-to-business\",\r\n \"amount\": 3000,\r\n \"sender_email\": \"otest@velvpay.com\",\r\n \"receiver_email\": \"oot@velvpay.com\",\r\n \"description\": \"Product description\",\r\n \"payment_name\": \"Product title\",\r\n \"metadata\": {}\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/request/fund"},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"257"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"success\",\n \"message\": \"Payment request initiated successfully\",\n \"data\": {\n \"request_type\": \"USER-TO-BUSINESS\",\n \"status\": \"INITIATED\",\n \"amount\": 3000,\n \"reference\": \"FPG3A-4R27HI\",\n \"sender_email\": \"otest@velvpay.com\",\n \"receiver_email\": \"oot@velvpay.com\"\n }\n}"}],"_postman_id":"874ad716-554b-4d67-b1fa-005d1fbb77c7"},{"name":"Fund Request Status","id":"39e08ea0-392c-47e5-9b7a-e9a9f3e9b3ce","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"reference\": \"FPG3A-4R27HI\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/request/fund/status","description":"Endpoint to check the status of a fund request
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["request","fund","status"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[]}},"response":[{"id":"7e4b82b6-298e-4fc8-b7b3-bcb57311296e","name":"Fund Request Status","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"reference\": \"FPG3A-4R27HI\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/request/fund/status"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"127"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"success\",\n \"message\": \"Payment request found\",\n \"data\": {\n \"status\": \"INITIATED\",\n \"amount\": \"3000\",\n \"reference\": \"FPG3A-4R27HI\"\n }\n}"}],"_postman_id":"39e08ea0-392c-47e5-9b7a-e9a9f3e9b3ce"}],"id":"61099cf4-0d55-4917-902d-c42bbdaddd14","_postman_id":"61099cf4-0d55-4917-902d-c42bbdaddd14","description":"","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}}},{"name":"Payout","item":[{"name":"Transfer","id":"b1cf7e84-8c70-4e2c-b694-debb5a2232a3","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"},{"key":"idempotencykey","value":"idempotencykey","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\": 2000000,\r\n \"bank_code\": 999999,\r\n \"bank_name\": \"VFD MFB\",\r\n \"account_number\": \"1001029012\",\r\n \"account_name\": \"Modupe Kingdom\",\r\n \"description\": \"Tranfer to user okky\",\r\n \"pin\": \"Transaction pin\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/payout","description":"The endpoint to initiate a bank transfer
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\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["payment","collection","transaction","resolve"],"host":["https://api.velvpay.com/api/v1/service"],"query":[{"key":"transaction_id","value":"FR-IM5N2MKNJ40HHKOKNWIV1"}],"variable":[]}},"response":[{"id":"5ec3ae03-bf84-4e3b-9764-20bf7efca433","name":"transaction resolved successfully","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/collection/transaction/resolve?transaction_id=FR-IM5N2MKNJ40HHKOKNWIV","protocol":"https","host":["api","velvpay","com"],"path":["api","v1","service","payment","collection","transaction","resolve"],"query":[{"key":"transaction_id","value":"FR-IM5N2MKNJ40HHKOKNWIV"}]}},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"514"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"success\",\n \"msg\": \"Transaction Found\",\n \"data\": {\n \"webhook_url\": null,\n \"accountNumber\": \"4600100000\",\n \"metadata\": [\n {\n \"email\": \"testing@velvpay.com\"\n }\n ],\n \"_id\": \"6329a83ffeff1341b81c451b\",\n \"txId\": \"FR-IM5N2MKNJ40HHKOKNWIV\",\n \"link\": \"b-vlv\",\n \"name\": \"vlv tech link\",\n \"amount\": 100,\n \"status\": \"pending\",\n \"channel\": \"API\",\n \"type\": \"primary\",\n \"method\": \"Payment Link\",\n \"date\": \"2022-09-20T11:47:10.000Z\",\n \"data\": {\n \"status\": \"00\",\n \"message\": \"Successful\",\n \"accountNumber\": \"4600100000\",\n \"reference\": \"VELV-ET84wRey8lMe01ArLqfK\"\n }\n }\n}"},{"id":"2ac47023-35bc-4e41-9044-b4f4b48739f7","name":"transaction not found","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/collection/transaction/resolve?transaction_id=FR-IM5N2MKNJ40HHKOKNWIV1","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","collection","transaction","resolve"],"query":[{"key":"transaction_id","value":"FR-IM5N2MKNJ40HHKOKNWIV1"}]}},"status":"Not Found","code":404,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"46"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\":\" Transaction was not performed on this account\",\n \"err\": \"Transaction ID is required\"\n}"},{"id":"fbc1ae62-88d5-4944-bddc-b9f7e8a3379f","name":"Invalid Key","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk1","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/collection/transaction/details?transaction_id=FR-IM5N2MKNJ40HHKOKNWIV1","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","collection","transaction","details"],"query":[{"key":"transaction_id","value":"FR-IM5N2MKNJ40HHKOKNWIV1"}]}},"status":"Not Found","code":404,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"97"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"invalid secret key provided\",\n \"err\": \"Wrong data, please check again!\"\n}"}],"_postman_id":"d0d9d593-69f4-41ad-9c9b-6227fb8257de"},{"name":"Bank List","id":"da32c8e4-fa1c-4a11-8049-d55aec9bca7b","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":"https://api.velvpay.com/api/v1/service/general/bank-list","description":"This endpoint returns list of bank in Nigeria
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["general","bank-list"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[]}},"response":[{"id":"802be6cc-6f24-4d2a-b9af-35425880f3b0","name":"Bank List","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"url":"https://api.velvpay.com/api/v1/service/general/bank-list"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"140369"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"data\": [\n {\n \"id\": 266,\n \"code\": \"110005\",\n \"name\": \"3line Card management Limited\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 219,\n \"code\": \"090270\",\n \"name\": \"AB Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 109,\n \"code\": \"070010\",\n \"name\": \"ABBEY MORTGAGE BANK\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 209,\n \"code\": \"090260\",\n \"name\": \"Above Only Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 203,\n \"code\": \"090197\",\n \"name\": \"ABU Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 88,\n \"code\": \"000014\",\n \"name\": \"Access Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 79,\n \"code\": \"000005\",\n \"name\": \"Access Bank (Diamond)\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 243,\n \"code\": \"100013\",\n \"name\": \"AccessMobile\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 148,\n \"code\": \"090134\",\n \"name\": \"ACCION MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 174,\n \"code\": \"090160\",\n \"name\": \"Addosser MFBB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 217,\n \"code\": \"090268\",\n \"name\": \"Adeyemi College Staff Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 258,\n \"code\": \"100028\",\n \"name\": \"AG MORTGAGE BANK PLC\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 147,\n \"code\": \"090133\",\n \"name\": \"AL-BARKAH MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 208,\n \"code\": \"090259\",\n \"name\": \"Alekun Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 225,\n \"code\": \"090277\",\n \"name\": \"Alhayat MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 145,\n \"code\": \"090131\",\n \"name\": \"ALLWORKERS MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 183,\n \"code\": \"090169\",\n \"name\": \"Alphakapital MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 194,\n \"code\": \"090180\",\n \"name\": \"Amju MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 130,\n \"code\": \"090116\",\n \"name\": \"AMML MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 157,\n \"code\": \"090143\",\n \"name\": \"APEKS Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 230,\n \"code\": \"090282\",\n \"name\": \"Arise MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 117,\n \"code\": \"090001\",\n \"name\": \"ASOSavings\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 186,\n \"code\": \"090172\",\n \"name\": \"Astrapolis MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 213,\n \"code\": \"090264\",\n \"name\": \"Auchi Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 195,\n \"code\": \"090188\",\n \"name\": \"Baines Credit MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 141,\n \"code\": \"090127\",\n \"name\": \"BC Kash MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 131,\n \"code\": \"090117\",\n \"name\": \"Boctrust Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 190,\n \"code\": \"090176\",\n \"name\": \"Bosak MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 162,\n \"code\": \"090148\",\n \"name\": \"Bowen MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 114,\n \"code\": \"070015\",\n \"name\": \"Brent Mortgage Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 235,\n \"code\": \"100005\",\n \"name\": \"Cellulant\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 168,\n \"code\": \"090154\",\n \"name\": \"CEMCS MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 155,\n \"code\": \"090141\",\n \"name\": \"Chikum Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 158,\n \"code\": \"090144\",\n \"name\": \"CIT Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 83,\n \"code\": \"000009\",\n \"name\": \"Citi Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 173,\n \"code\": \"090159\",\n \"name\": \"Credit Afrique MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 181,\n \"code\": \"090167\",\n \"name\": \"Daylight Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 170,\n \"code\": \"090156\",\n \"name\": \"e-BARCs MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 251,\n \"code\": \"100021\",\n \"name\": \"Eartholeum\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 84,\n \"code\": \"000010\",\n \"name\": \"ECOBANK\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 238,\n \"code\": \"100008\",\n \"name\": \"Ecobank Xpress Account\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 122,\n \"code\": \"090097\",\n \"name\": \"Ekondo MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 222,\n \"code\": \"090273\",\n \"name\": \"Emeralds MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 128,\n \"code\": \"090114\",\n \"name\": \"EmpireTrust Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 93,\n \"code\": \"000019\",\n \"name\": \"Enterprise Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 196,\n \"code\": \"090189\",\n \"name\": \"Esan MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 180,\n \"code\": \"090166\",\n \"name\": \"Eso-E Microfinance Bank\",\n \"logo\": \"\",\n \"created\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 113,\n \"code\": \"070014\",\n \"name\": \"First Generation Mortgage Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 177,\n \"code\": \"090163\",\n \"name\": \"First Multiple MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 178,\n \"code\": \"090164\",\n \"name\": \"First Royal Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 263,\n \"code\": \"110002\",\n \"name\": \"Flutterwave Technology solutions Limited\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 104,\n \"code\": \"070002\",\n \"name\": \"Fortis Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 246,\n \"code\": \"100016\",\n \"name\": \"FortisMobile\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 268,\n \"code\": \"400001\",\n \"name\": \"FSDH\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 159,\n \"code\": \"090145\",\n \"name\": \"Full range MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 172,\n \"code\": \"090158\",\n \"name\": \"FUTO MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 182,\n \"code\": \"090168\",\n \"name\": \"Gashua Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 108,\n \"code\": \"070009\",\n \"name\": \"GATEWAY MORTGAGE BANK\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 226,\n \"code\": \"090278\",\n \"name\": \"Glory MFB \",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 252,\n \"code\": \"100022\",\n \"name\": \"GoMoney\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 136,\n \"code\": \"090122\",\n \"name\": \"GOWANS MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 192,\n \"code\": \"090178\",\n \"name\": \"GreenBank MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 218,\n \"code\": \"090269\",\n \"name\": \"Greenville Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 201,\n \"code\": \"090195\",\n \"name\": \"Grooming Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 87,\n \"code\": \"000013\",\n \"name\": \"GTBank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 259,\n \"code\": \"100029\",\n \"name\": \"Innovectives Kesh\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 257,\n \"code\": \"100027\",\n \"name\": \"Intellifin\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 264,\n \"code\": \"110003\",\n \"name\": \"Interswitch Limited\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 163,\n \"code\": \"090149\",\n \"name\": \"IRL Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 206,\n \"code\": \"090211\",\n \"name\": \"Itex Integrated Services Limited\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 80,\n \"code\": \"000006\",\n \"name\": \"JAIZ Bank\",\n \"logo\": 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uT8aDtt2sWei/qdV8A0IbQHbIsPpqQ91BD41RWvBaquvIGRpdKwgKjgAkKdiRoHRd0GLaKMssrUe/Zu9MegOS9iAAhMS1pvEhypCHkNRkAQ0MAIV1PdZAqutXI076keQnIRCK8F/uqVjCcBTjSaGtwALGA3pzaUDWdamtNYo83/wcJsDXBvPlgAAAABJRU5ErkJggg==\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 118,\n \"code\": \"090003\",\n \"name\": \"JubileeLife\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 198,\n \"code\": \"090191\",\n \"name\": \"KCMB MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 245,\n \"code\": \"100015\",\n \"name\": \"Kegow\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 76,\n \"code\": \"000002\",\n \"name\": \"Keystone Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 216,\n \"code\": \"090267\",\n \"name\": \"Kuda Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 169,\n \"code\": \"090155\",\n \"name\": \"La Fayette Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 191,\n \"code\": \"090177\",\n \"name\": \"Lapo MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 220,\n \"code\": \"090271\",\n \"name\": \"Lavender Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 111,\n \"code\": \"070012\",\n \"name\": \"LBIC Mortgage Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 214,\n \"code\": \"090265\",\n \"name\": \"Lovonus Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 185,\n \"code\": \"090171\",\n \"name\": \"Mainstreet MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 188,\n \"code\": \"090174\",\n \"name\": \"Malachy MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 228,\n \"code\": \"090280\",\n \"name\": \"Megapraise Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 224,\n \"code\": \"090275\",\n \"name\": \"Meridian MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 150,\n \"code\": \"090136\",\n \"name\": \"Microcred Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 241,\n \"code\": \"100011\",\n \"name\": \"Mkudi\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 250,\n \"code\": \"100020\",\n \"name\": \"MoneyBox\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 143,\n \"code\": \"090129\",\n \"name\": \"MONEYTRUST MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 197,\n \"code\": \"090190\",\n \"name\": \"Mutual Benefits MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 165,\n \"code\": \"090151\",\n \"name\": \"Mutual Trust Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 166,\n \"code\": \"090152\",\n \"name\": \"Nargata MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 212,\n \"code\": \"090263\",\n \"name\": \"Navy Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 142,\n \"code\": \"090128\",\n \"name\": \"Ndiorah MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 124,\n \"code\": \"090108\",\n \"name\": \"New Prudential Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 205,\n \"code\": \"090205\",\n \"name\": \"Newdawn Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 200,\n \"code\": \"090194\",\n \"name\": \"NIRSAL National microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 102,\n \"code\": \"060003\",\n \"name\": \"NOVA MB\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 103,\n \"code\": \"070001\",\n \"name\": \"NPF MicroFinance Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 133,\n \"code\": \"090119\",\n \"name\": \"OHAFIA MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 175,\n \"code\": \"090161\",\n \"name\": \"Okpoga MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 221,\n \"code\": \"090272\",\n \"name\": \"Olabisi Onabanjo university Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 106,\n \"code\": \"070007\",\n \"name\": \"Omoluabi Mortgage Bank Plc\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 256,\n \"code\": \"100026\",\n \"name\": \"ONE FINANCE\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 232,\n \"code\": \"100002\",\n \"name\": \"Paga\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 107,\n \"code\": \"070008\",\n \"name\": \"PAGE FINANCIALS\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 233,\n \"code\": \"100003\",\n \"name\": \"Parkway-ReadyCash\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 119,\n \"code\": \"090004\",\n \"name\": \"Parralex\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 262,\n \"code\": \"110001\",\n \"name\": \"PayAttitude Online\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 234,\n \"code\": \"100004\",\n \"name\": \"Paycom\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 267,\n \"code\": \"110006\",\n \"name\": \"Paystack Payments Limited\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 151,\n \"code\": \"090137\",\n \"name\": \"Pecan Trust Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 202,\n \"code\": \"090196\",\n \"name\": \"Pennywise Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 149,\n \"code\": \"090135\",\n \"name\": \"Personal Trust Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 179,\n \"code\": \"090165\",\n \"name\": \"Petra Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 112,\n \"code\": \"070013\",\n \"name\": \"PLATINUM MORTGAGE BANK\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 82,\n \"code\": \"000008\",\n \"name\": \"POLARIS BANK\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 223,\n \"code\": \"090274\",\n \"name\": \"Prestige Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 97,\n \"code\": \"000023\",\n \"name\": \"Providus Bank \",\n \"logo\": \"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAC0AAAAtCAIAAAC1eHXNAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAAAJcEhZcwAAEnQAABJ0Ad5mH3gAAAo0SURBVFhHtVhrjGRFFa5TVffR09Pz2NlleSgsKktws2gMu1kEIkowBk3cKDH+0B+LYoKYmGgI/lBRE2PwwQ8eMYIQ9McmGAENoIjAQnxEXhtiFtCwWUB3ye4sM80w0933UVXH79zb0/PYmX0hX1ffvre66tR51TmnLjGzWgkhBKVZKwqBmZQmoxgfAVXX4wBoO0UkjYOmqN+9Elblg8GIDgZfDmyUUYVSep4HTFl51lImcY8WlCq9GtJsIIgGc6BDEG2JOEfhg70uoREKlopnDz9xDZEhHVQAhaPwsYCgqLQ+9iZz3dMuvIvGtzJIgg/QESqmP67CqnwoH3IDEXJLQ289d1Xj4D3aRqyChiSimAqDqbVsSx91KJmIfVSaPBvfPrrtbsVRjvVBU8VirEWYp3gkyIlhw1CYfTq8fp8xsC5BodWlMvmxmrcm0BCZKDFldPhe98auTKnIFw5MiDBLsLqfcqm81lZ1/rbdzO6y1BAeMJihEVA5DrtQEL51l8s08tQe/eD4JQ8F9KrYwD+EyAKW8MEKOrD1GiUzzFi++Tv35JVpsjZwFzrGeFDA53j4wCaBb8GQrI3m3lwWhrbcHk7fYTgY0DkaH/AhWc3hHiTQsf+ZH47m9xG1WJTJteErVHfC2Pz1yEdBRVwuxoRyNj1v/QU3i540NLXYJbDqYrt40TqkgN/gx1PA4iDh8e2POHmAEOh6uZBlX2m3ZlrDd5fyEZzXToVUQ3Lq+GJSwz6EzZsrTvpjBIMpA8HrnmWPwKAHQciRS03p/PAZzKlBD7oRTKCbI/kIYv0IcSLbf2v7qZ8NRaVGFPEwqFtw8tWWO3L1+R74Cjy8pIYOb/HmG0be+03Ep9pD8IfWi+wiURvRhVXX5E3fm3riw2PFq5XbQjuRIhhnQP7EQVSSjTkL1Gmrd6+77I+ZOTf1XBgfgSEdLTgL2PG6p3TZUEn28l3N3n+IEiIEHIOQdLJMgH7dOOGcsAUpGinfmHvxToQj6D5C0BVRl+wX9lgOy7pDB/++ZV1vjk29h9GLK/IcAkh1W7sYsKznyAHyIBA9I6pTjFAQeT8VWmNX3F/SBWlwrKyExsX+4ZS3iqf/eX2876amH/axbOCKb5CBi1RPwGDGsp4jByxCQHAm+DziuqM86Zz56daWO6CqUiNU65oPNKGBVK90b+rftzdDm634BWIQ/hLf1W5ByNUYWuGx34X9By/QjH0XBW28mfO9dc1NX4nUsAJbOgYf2D+QWFSjnO/ZqFFPfYdRGxura0m9iFlwHx8rXZTiMLF/8yHXmQ06kqiMqDMPsfzAgoOQvKxn+QAxZx/iIP1Z+Am6a9yoV+147OLQ3Ag3JKR3VCgllYbS3uv3dp/ZMa6D111bNgK666liXVwGT4vI91H3HG0ArFwBPTBBZLzPIs4mPjZx4e8RF8g5TyZDvRSFw7OPfmrYPa3MmiLKbd5kKmUi5svcisjbwQJL7EwrVtPesO909dYHolM/KcVE4BRjOv/9tS13e7u2UE3tDAonG6zlyKrIhtjw4hadaBM6Yb5xkoa34LDkWgnbydcfhNFRL+VOx1YdmHr48lG1P+gmMovxyCbwcLELYrpFxkMyGsR1cbK3BWxeJLqkdFOhOXLJHXb0E8R56WKbv/y9+F8/IjNGUWZK5Qx1nE5QtHjUVM5wGQiRpU8FNUFfy8fw01V7UF14lQQ1W5y+fc2WnWCLgse2fe3w41ecUr4WkAEYhULUTtPhTTcoVHUqDhJVsexiHUg0FixwVl2XPQIr9uAeu1XqNBONne+SjaJ81F3u+a/rA7/UesQoVxouirl486181pfjRdPfEUgMKYUzG1Eo9s7+adswgq22cSicCXNm49ilfy1I+wO/8TN/UaplQ4bzwyLh5tlbJu6K0veBO+xci2IsCt44nrKjE5uuL00ao2yEK77x7NdaB24jG+kAd/S9Qg1t3anO+Iw69Kv2U99YE804akSoohYS88kB2T03IXG2G1TqsqI8+9o1m28OHhsAB0dLh178SeqmcMjQPmXODK9NN1+NLTLz6OdG891aaR93KKTY3H2CJwmoCDnEYlVPxbQaXffxRwq9MUb4skbK5jrf4ouBCFvwyZ5S8Ss/93uus7FlhDhu4U8Ldx5o+wQhJhF9Flli4qxJ/mD2vm83zvuOV10kPU8pDgZUwGvlIG2RTZD3NSXKt998/CNjfq+iNFBsioTg25JtT5YRASJADqUamp00559y2S5W44hNogQ5xFtyOHNylT0kA/hSR2rvjeqlH1DURK43AUePzoxKLY8iI0bKYowXho7HX0TTAKIFEnpGPFykXerGm7/f2nA1c4HyrCrW6xHCRFV7Bl0qinhy+rFtw6Edl0mIC62zaT517JK7yb4LdbwyHVZIAhg/n3pq1Jpa/liVcH3g4BFY98g1VDTBiEx9j5ADidTJUE0tGnucsyh74bvxK7e4RKV+rjBrXNGJzr6R3n+tpOZqWOU/J1aiVLoHSifFJeqNHOkGFVil1D5V8FGdQiWmaNV7derJreMqD5TAf7SLJ4eSUy57zlOj98JNvv0gq8SWI1a35RgxYGw1iIAiIwSH4me16zUvOPP8G1kjZNTCL1AAH06jHqpOtod3fzU9cDvbRisz7WahZ6m57af5GdcMTT48848vjum8jB08H/kTW75P4GgQq0htiYIruG4Z7EV3mrWfx36wWrZqf1QFqQvrK3ZEvv8BbQo4qzAqrmMb668Mttt97LPDxS72EyEWdyKVSdk8wELhugSSkhiiZ4pTxb2p1qXrL7rfsTUeSRNTVnoPI9xANTgvyfy+vsARJNEHdubP7zDxaMIz7MbzOJdKt9phx4IvTBSX8gpp2vqRbX/Qo9uqfAlRMH1lPlAPYBug+qn0hS+6sUHt3OyfPxqrF2I/5FQSB7hF17OtSrV+xqkuKwC5pJdktmyxnp5d/6WJD/3CeWNNjjCJucvkqPmoczqYqLxPavdQEKLFULHvFrPnW1YPo4QtTEJhJo/P8elZKDGrKTX6nFeA3/QZQ9DwUZfdREmddZt/zCMbjagGCQWaWO5eNR/1zOq+EhJEYSeNwPrIxS06FKzDP3EIbbdh/PLfcvyeaov1Z82vXc+rUf9V95f4wq9R1sg9RTjqVvljMFhQ84Uu6UX6JXkJAx8XK3X33RbzvlJ8imMXl1lIzv1CiDci4uCMLgczaXL2BdNYqbrWDfcSneUtlLywALW86sP5FjEQiy5hAliin6BdAKdSa+C891Kxd2eTE5CI8waVc9PDpzU3XIXNYSQYg3S/zYuxvOEvnOAkegQkr7TSTa2nFbCED5To1RX+2Z3cc48v93c5053mjPKHTNI45zpU8wqSVa49AEis2OpfxGz5iiHgFoO2HP390of4kQPTmvIi2281Qjg0O862rbKMmh9gnaDAVzj2QNpjox4zoH+0KUv4qF6HI/hYCYFYqjoXSgzBDxoMjDOxvF9DXvq/8qHU/wC9VWSB1kGt5gAAAABJRU5ErkJggg==\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 210,\n \"code\": \"090261\",\n \"name\": \"QuickFund Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 184,\n \"code\": \"090170\",\n \"name\": \"Rahama MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 98,\n \"code\": \"000024\",\n \"name\": \"Rand Merchant Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 110,\n \"code\": \"070011\",\n \"name\": \"Refuge Mortgage Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 139,\n \"code\": \"090125\",\n \"name\": \"REGENT MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 187,\n \"code\": \"090173\",\n \"name\": \"Reliance MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 204,\n \"code\": \"090198\",\n \"name\": \"Renmoney microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 146,\n \"code\": \"090132\",\n \"name\": \"RICHWAY MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 152,\n \"code\": \"090138\",\n \"name\": \"Royal Exchange Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 121,\n \"code\": \"090006\",\n \"name\": \"SafeTrust\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 154,\n \"code\": \"090140\",\n \"name\": \"Sagamu Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 127,\n \"code\": \"090112\",\n \"name\": \"Seed Capital Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 237,\n \"code\": \"100007\",\n \"name\": \"Stanbic IBTC @ease Wallet\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 86,\n \"code\": \"000012\",\n \"name\": \"StanbicIBTC Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 176,\n \"code\": \"090162\",\n \"name\": \"Stanford MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 211,\n \"code\": \"090262\",\n \"name\": \"Stellas Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 75,\n \"code\": \"000001\",\n \"name\": \"Sterling Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 96,\n \"code\": \"000022\",\n \"name\": \"SUNTRUST BANK\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 253,\n \"code\": \"100023\",\n \"name\": \"TagPay\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 99,\n \"code\": \"000026\",\n \"name\": \"Taj Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 129,\n \"code\": \"090115\",\n \"name\": \"TCF\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 240,\n \"code\": \"100010\",\n \"name\": \"TeasyMobile\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 160,\n \"code\": \"090146\",\n \"name\": \"Trident Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 120,\n \"code\": \"090005\",\n \"name\": \"Trustbond\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 78,\n \"code\": \"000004\",\n \"name\": \"UBA\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 215,\n \"code\": \"090266\",\n \"name\": \"Uniben Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 199,\n \"code\": \"090193\",\n \"name\": \"Unical MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 92,\n \"code\": \"000018\",\n \"name\": \"Union Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 85,\n \"code\": \"000011\",\n \"name\": \"Unity Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 137,\n \"code\": \"090123\",\n \"name\": \"Verite Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 45,\n \"code\": \"999999\",\n \"name\": \"VFD MICROFINANCE BANK\",\n \"logo\": 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\"created\": \"2019-04-16 15:59:06\"\n },\n {\n \"id\": 164,\n \"code\": \"090150\",\n \"name\": \"Virtue MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 153,\n \"code\": \"090139\",\n \"name\": \"Visa Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 242,\n \"code\": \"100012\",\n \"name\": \"VTNetworks\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 91,\n \"code\": \"000017\",\n \"name\": \"Wema Bank\",\n \"logo\": 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XHO9SbldRpvZQXu7/lCG0Zq9cEtn12Mk1+3H6/2LddCG+yBkM52ONND6uv1F2PqX7qg8NHMDsLqMGUgNpMNtZe8MF22N0lssZr3O4aG8a+wrdZBl2VCM2NcbahPLesM1SHc2L42KtfpF5sKItFjWrsJXHG4HcVfDh+jWj8rwPJwWq9G28UP3+8KHX6ODNtwH2ZnxlhbvOn5d3IXnYbwX3ZVZHN910d7KNwWKWyr38vWSQU/ev2atfb0OWntSy/dBLmrNJSLFYDVuiLCHcb2OtkmSvP8U7uf1/wfm0E+ifCYKOwAAAABJRU5ErkJggg==\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 134,\n \"code\": \"090120\",\n \"name\": \"WETLAND MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 138,\n \"code\": \"090124\",\n \"name\": \"XSLNCE Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 156,\n \"code\": \"090142\",\n \"name\": \"Yes MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 89,\n \"code\": \"000015\",\n \"name\": \"Zenith Bank\",\n \"logo\": \"data:image/png;base64,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\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 248,\n \"code\": \"100018\",\n \"name\": \"ZenithMobile\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 255,\n \"code\": \"100025\",\n \"name\": \"Zinternet - KongaPay\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n }\n ]\n}"}],"_postman_id":"da32c8e4-fa1c-4a11-8049-d55aec9bca7b"},{"name":"Bank Account Details","id":"ef5e9f4d-04c0-486f-9e8f-2f4e125e50f7","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":"https://api.velvpay.com/api/v1/service/general/bank-account-detail?account_number&bank_code","description":"The endpoint returns the details of a bank account
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["general","bank-account-detail"],"host":["https://api.velvpay.com/api/v1/service"],"query":[{"key":"account_number","value":null},{"key":"bank_code","value":null}],"variable":[]}},"response":[],"_postman_id":"ef5e9f4d-04c0-486f-9e8f-2f4e125e50f7"}],"id":"55f6b651-6771-47df-b202-4a1994badb6f","description":"A business initiates a payout to a bank account using the API.
\nGet Bank List
\nGET /api/v1/service/general/bank-listGET /api/v1/service/general/bank-list\n[\n { \"bank_code\": \"044\", \"bank_name\": \"Access Bank\" },\n { \"bank_code\": \"011\", \"bank_name\": \"First Bank\" }\n]\nVerify Bank Account Details
\nGET /api/v1/service/general/bank-account-detail?account_number={account_number}&bank_code={bank_code}GET /api/v1/service/general/bank-account-detail?account_number=0123456789&bank_code=044\n{\n \"status\": \"success\",\n \"msg\": \"Banks Fetched successfully\",\n \"data\": {\n \"accountName\": \"John Doe\"\n }\n}\nInitiate Payout
\nPOST /api/v1/service/payment/payout{\n \"account_number\": \"0123456789\",\n \"bank_code\": \"044\",\n \"amount\": 10000,\n \"narration\": \"Payout for services\",\n \"pin\": \"1234\"\n}\n{\n \"status\": \"success\",\n \"msg\": \"Transaction Found\",\n \"data\": {\n \"webhook_url\": null,\n \"accountNumber\": \"4600555555\",\n \"metadata\": [\n {\n \"recipient_account_number\": \"4600555555\",\n \"account_name\": \"John Doe\",\n \"recipient_bank_code\": \"203\",\n \"bank_name\": \"VFD Microfinance Bank\",\n \"reason\": \"Business withdrawal\"\n }\n ],\n \"_id\": \"6329a83ffeff1341b81c451b\",\n \"txId\": \"FR-IM5N2MKNJ40HHKOKNWIV\",\n \"referenceId\": \"some-unique-reference-id\",\n \"link\": null,\n \"name\": null,\n \"fee\": 5000,\n \"feeInNaira\": 50,\n \"description\": \"Business withdrawal\",\n \"amount\": 100,\n \"amountInNaira\": 1,\n \"status\": \"pending\",\n \"channel\": \"API\",\n \"type\": \"multi\",\n \"method\": \"Withdrawal\",\n \"date\": \"2022-09-20T11:47:10.000Z\",\n \"data\": {\n \"status\": \"00\",\n \"message\": \"Successful\",\n \"txnId\": \"VFD1234567890\",\n \"sessionId\": \"1632130035\"\n }\n }\n}\nCheck Payout Balance
\nGET /api/v1/service/payment/payout-balanceGET /api/v1/service/payment/payout-balance\n{\n \"balance\": 500000\n}\nCheck Payout Status
\nGET /api/v1/service/payment/collection/transaction/resolve?transaction_id={transaction_id}GET /api/v1/service/payment/collection/transaction/resolve?transaction_id=FR-IM5N2MKNJ40HHKOKNWIV1\n{\n \"transaction_id\": \"FR-IM5N2MKNJ40HHKOKNWIV1\",\n \"status\": \"success\",\n \"amount\": 10000\n}\nNote: Replace placeholders (e.g., {account_number}, {bank_code}, {transaction_id}) with actual values. All endpoints are prefixed with /api/v1/service/.
For Bulk Payout Use:
\n{\n \"beneficiaries\": [\n {\n \"accountNumber\": \"0123456789\",\n \"accountName\": \"Velv Test User\",\n \"bankName\": \"VFD MFB\",\n \"bankCode\": \"044\",\n \"reference\": \"VELV-{{RANDOM_TEXT_AND_NUMBER}}\",\n \"amount\": 10000\n }\n ],\n \"description\": \"Payout for services\",\n \"pin\": \"1234\"\n}\nThis endpoint returns list of bank in Nigeria
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["general","bank-list"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[]}},"response":[{"id":"68876c94-e5c2-4566-bf3f-98875d750edf","name":"Bank List","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"SK_LIVE_skdbjcjweiow90icn0294lnds02cdlsk","type":"text"}],"url":"https://api.velvpay.com/api/v1/service/general/bank-list"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"140369"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"data\": [\n {\n \"id\": 266,\n \"code\": \"110005\",\n \"name\": \"3line Card management Limited\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 219,\n \"code\": \"090270\",\n \"name\": \"AB Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 109,\n \"code\": \"070010\",\n \"name\": \"ABBEY MORTGAGE BANK\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 209,\n \"code\": \"090260\",\n \"name\": \"Above Only Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 203,\n \"code\": \"090197\",\n \"name\": \"ABU Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 88,\n \"code\": \"000014\",\n \"name\": \"Access Bank\",\n \"logo\": \"data:image/png;base64,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\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 79,\n \"code\": \"000005\",\n \"name\": \"Access Bank (Diamond)\",\n \"logo\": \"data:image/png;base64,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\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 243,\n \"code\": \"100013\",\n \"name\": \"AccessMobile\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 148,\n \"code\": \"090134\",\n \"name\": \"ACCION MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 174,\n \"code\": \"090160\",\n \"name\": \"Addosser MFBB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 217,\n \"code\": \"090268\",\n \"name\": \"Adeyemi College Staff Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 258,\n \"code\": \"100028\",\n \"name\": \"AG MORTGAGE BANK PLC\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 147,\n \"code\": \"090133\",\n \"name\": \"AL-BARKAH MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 208,\n \"code\": \"090259\",\n \"name\": \"Alekun Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 225,\n \"code\": \"090277\",\n \"name\": \"Alhayat MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 145,\n \"code\": \"090131\",\n \"name\": \"ALLWORKERS MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 183,\n \"code\": \"090169\",\n \"name\": \"Alphakapital MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 194,\n \"code\": \"090180\",\n \"name\": \"Amju MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 130,\n \"code\": \"090116\",\n \"name\": \"AMML MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 157,\n \"code\": \"090143\",\n \"name\": \"APEKS Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 230,\n \"code\": \"090282\",\n \"name\": \"Arise MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 117,\n \"code\": \"090001\",\n \"name\": \"ASOSavings\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 186,\n \"code\": \"090172\",\n \"name\": \"Astrapolis MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 213,\n \"code\": \"090264\",\n \"name\": \"Auchi Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 195,\n \"code\": \"090188\",\n \"name\": \"Baines Credit MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 141,\n \"code\": \"090127\",\n \"name\": \"BC Kash MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 131,\n \"code\": \"090117\",\n \"name\": \"Boctrust Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 190,\n \"code\": \"090176\",\n \"name\": \"Bosak MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 162,\n \"code\": \"090148\",\n \"name\": \"Bowen MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 114,\n \"code\": \"070015\",\n \"name\": \"Brent Mortgage Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 235,\n \"code\": \"100005\",\n \"name\": \"Cellulant\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 168,\n \"code\": \"090154\",\n \"name\": \"CEMCS MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 155,\n \"code\": \"090141\",\n \"name\": \"Chikum Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 158,\n \"code\": \"090144\",\n \"name\": \"CIT Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 83,\n \"code\": \"000009\",\n \"name\": \"Citi Bank\",\n \"logo\": 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wkgRRqXYaBz1vAEhVTI6iUEGYeOa62bNX/DZ/qP7y+Xeyy6btvDmq9Xb0bBEDa9ZKleOVUY+wJQihXwI6ODgIHwXwkEXqnENstN1JeTfbXmnUDgxaeKEK66c6RgkFB6cmFKz70jRR4sQybTuZDsMy1QFEUQL/ZZK5fa2cTt27T/af3zB/KuVPav/g7BjfcXuviGqS535F82YBjcB99AFqJRKJVDHmBYKkKTiI53OWJahugsiYQ+q59Z1FOUI7W0uGlTlpUiIlUojiAJlFyGxHW7bNixQ/fsk8oulEmc6Mywiec61BQkZYisl9Tq6obhUE76mibT6rx9iHWhKSAF2quQBXhQ7lAaBqNcrUA/qOU1nqVRaJaT4f+ooBNCBqUaBETetxKZuMup5Qb3eABPooHTdTjlpCEalNcHKtcEwDIEG2BApECsUEUY8v9lowI0VXYSQ+BmSUvo/iwC6LY7Mv6EAAAAASUVORK5CYII=\",\n 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 173,\n \"code\": \"090159\",\n \"name\": \"Credit Afrique MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 181,\n \"code\": \"090167\",\n \"name\": \"Daylight Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 170,\n \"code\": \"090156\",\n \"name\": \"e-BARCs MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 251,\n \"code\": \"100021\",\n \"name\": \"Eartholeum\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 84,\n \"code\": \"000010\",\n \"name\": \"ECOBANK\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 238,\n \"code\": \"100008\",\n \"name\": \"Ecobank Xpress Account\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 122,\n \"code\": \"090097\",\n \"name\": \"Ekondo MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 222,\n \"code\": \"090273\",\n \"name\": \"Emeralds MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 128,\n \"code\": \"090114\",\n \"name\": \"EmpireTrust Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 93,\n \"code\": \"000019\",\n \"name\": \"Enterprise Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 196,\n \"code\": \"090189\",\n \"name\": \"Esan MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 180,\n \"code\": \"090166\",\n \"name\": \"Eso-E Microfinance Bank\",\n \"logo\": \"\",\n \"created\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 113,\n \"code\": \"070014\",\n \"name\": \"First Generation Mortgage Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 177,\n \"code\": \"090163\",\n \"name\": \"First Multiple MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 178,\n \"code\": \"090164\",\n \"name\": \"First Royal Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 263,\n \"code\": \"110002\",\n \"name\": \"Flutterwave Technology solutions Limited\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 104,\n \"code\": \"070002\",\n \"name\": \"Fortis Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 246,\n \"code\": \"100016\",\n \"name\": \"FortisMobile\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 268,\n \"code\": \"400001\",\n \"name\": \"FSDH\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 159,\n \"code\": \"090145\",\n \"name\": \"Full range MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 172,\n \"code\": \"090158\",\n \"name\": \"FUTO MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 182,\n \"code\": \"090168\",\n \"name\": \"Gashua Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 108,\n \"code\": \"070009\",\n \"name\": \"GATEWAY MORTGAGE BANK\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 226,\n \"code\": \"090278\",\n \"name\": \"Glory MFB \",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 252,\n \"code\": \"100022\",\n \"name\": \"GoMoney\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 136,\n \"code\": \"090122\",\n \"name\": \"GOWANS MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 192,\n \"code\": \"090178\",\n \"name\": \"GreenBank MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 218,\n \"code\": \"090269\",\n \"name\": \"Greenville Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 201,\n \"code\": \"090195\",\n \"name\": \"Grooming Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 87,\n \"code\": \"000013\",\n \"name\": \"GTBank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 259,\n \"code\": \"100029\",\n \"name\": \"Innovectives Kesh\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 257,\n \"code\": \"100027\",\n \"name\": \"Intellifin\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 264,\n \"code\": \"110003\",\n \"name\": \"Interswitch Limited\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 163,\n \"code\": \"090149\",\n \"name\": \"IRL Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 206,\n \"code\": \"090211\",\n \"name\": \"Itex Integrated Services Limited\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 80,\n \"code\": \"000006\",\n \"name\": \"JAIZ Bank\",\n \"logo\": 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uT8aDtt2sWei/qdV8A0IbQHbIsPpqQ91BD41RWvBaquvIGRpdKwgKjgAkKdiRoHRd0GLaKMssrUe/Zu9MegOS9iAAhMS1pvEhypCHkNRkAQ0MAIV1PdZAqutXI076keQnIRCK8F/uqVjCcBTjSaGtwALGA3pzaUDWdamtNYo83/wcJsDXBvPlgAAAABJRU5ErkJggg==\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 118,\n \"code\": \"090003\",\n \"name\": \"JubileeLife\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 198,\n \"code\": \"090191\",\n \"name\": \"KCMB MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 245,\n \"code\": \"100015\",\n \"name\": \"Kegow\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 76,\n \"code\": \"000002\",\n \"name\": \"Keystone Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 216,\n \"code\": \"090267\",\n \"name\": \"Kuda Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 169,\n \"code\": \"090155\",\n \"name\": \"La Fayette Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 191,\n \"code\": \"090177\",\n \"name\": \"Lapo MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 220,\n \"code\": \"090271\",\n \"name\": \"Lavender Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 111,\n \"code\": \"070012\",\n \"name\": \"LBIC Mortgage Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 214,\n \"code\": \"090265\",\n \"name\": \"Lovonus Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 185,\n \"code\": \"090171\",\n \"name\": \"Mainstreet MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 188,\n \"code\": \"090174\",\n \"name\": \"Malachy MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 228,\n \"code\": \"090280\",\n \"name\": \"Megapraise Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 224,\n \"code\": \"090275\",\n \"name\": \"Meridian MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 150,\n \"code\": \"090136\",\n \"name\": \"Microcred Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 241,\n \"code\": \"100011\",\n \"name\": \"Mkudi\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 250,\n \"code\": \"100020\",\n \"name\": \"MoneyBox\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 143,\n \"code\": \"090129\",\n \"name\": \"MONEYTRUST MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 197,\n \"code\": \"090190\",\n \"name\": \"Mutual Benefits MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 165,\n \"code\": \"090151\",\n \"name\": \"Mutual Trust Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 166,\n \"code\": \"090152\",\n \"name\": \"Nargata MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 212,\n \"code\": \"090263\",\n \"name\": \"Navy Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 142,\n \"code\": \"090128\",\n \"name\": \"Ndiorah MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 124,\n \"code\": \"090108\",\n \"name\": \"New Prudential Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 205,\n \"code\": \"090205\",\n \"name\": \"Newdawn Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 200,\n \"code\": \"090194\",\n \"name\": \"NIRSAL National microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 102,\n \"code\": \"060003\",\n \"name\": \"NOVA MB\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 103,\n \"code\": \"070001\",\n \"name\": \"NPF MicroFinance Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 133,\n \"code\": \"090119\",\n \"name\": \"OHAFIA MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 175,\n \"code\": \"090161\",\n \"name\": \"Okpoga MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 221,\n \"code\": \"090272\",\n \"name\": \"Olabisi Onabanjo university Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 106,\n \"code\": \"070007\",\n \"name\": \"Omoluabi Mortgage Bank Plc\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 256,\n \"code\": \"100026\",\n \"name\": \"ONE FINANCE\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 232,\n \"code\": \"100002\",\n \"name\": \"Paga\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 107,\n \"code\": \"070008\",\n \"name\": \"PAGE FINANCIALS\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 233,\n \"code\": \"100003\",\n \"name\": \"Parkway-ReadyCash\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 119,\n \"code\": \"090004\",\n \"name\": \"Parralex\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 262,\n \"code\": \"110001\",\n \"name\": \"PayAttitude Online\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 234,\n \"code\": \"100004\",\n \"name\": \"Paycom\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 267,\n \"code\": \"110006\",\n \"name\": \"Paystack Payments Limited\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 151,\n \"code\": \"090137\",\n \"name\": \"Pecan Trust Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 202,\n \"code\": \"090196\",\n \"name\": \"Pennywise Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 149,\n \"code\": \"090135\",\n \"name\": \"Personal Trust Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 179,\n \"code\": \"090165\",\n \"name\": \"Petra Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 112,\n \"code\": \"070013\",\n \"name\": \"PLATINUM MORTGAGE BANK\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 82,\n \"code\": \"000008\",\n \"name\": \"POLARIS BANK\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 223,\n \"code\": \"090274\",\n \"name\": \"Prestige Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 97,\n \"code\": \"000023\",\n \"name\": \"Providus Bank \",\n \"logo\": \"data:image/png;base64,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\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 210,\n \"code\": \"090261\",\n \"name\": \"QuickFund Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 184,\n \"code\": \"090170\",\n \"name\": \"Rahama MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 98,\n \"code\": \"000024\",\n \"name\": \"Rand Merchant Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 110,\n \"code\": \"070011\",\n \"name\": \"Refuge Mortgage Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 139,\n \"code\": \"090125\",\n \"name\": \"REGENT MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 187,\n \"code\": \"090173\",\n \"name\": \"Reliance MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 204,\n \"code\": \"090198\",\n \"name\": \"Renmoney microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 146,\n \"code\": \"090132\",\n \"name\": \"RICHWAY MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 152,\n \"code\": \"090138\",\n \"name\": \"Royal Exchange Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 121,\n \"code\": \"090006\",\n \"name\": \"SafeTrust\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 154,\n \"code\": \"090140\",\n \"name\": \"Sagamu Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 127,\n \"code\": \"090112\",\n \"name\": \"Seed Capital Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 237,\n \"code\": \"100007\",\n \"name\": \"Stanbic IBTC @ease Wallet\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 86,\n \"code\": \"000012\",\n \"name\": \"StanbicIBTC Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 176,\n \"code\": \"090162\",\n \"name\": \"Stanford MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 211,\n \"code\": \"090262\",\n \"name\": \"Stellas Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 75,\n \"code\": \"000001\",\n \"name\": \"Sterling Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 96,\n \"code\": \"000022\",\n \"name\": \"SUNTRUST BANK\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 253,\n \"code\": \"100023\",\n \"name\": \"TagPay\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 99,\n \"code\": \"000026\",\n \"name\": \"Taj Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 129,\n \"code\": \"090115\",\n \"name\": \"TCF\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 240,\n \"code\": \"100010\",\n \"name\": \"TeasyMobile\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 160,\n \"code\": \"090146\",\n \"name\": \"Trident Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 120,\n \"code\": \"090005\",\n \"name\": \"Trustbond\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 78,\n \"code\": \"000004\",\n \"name\": \"UBA\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 215,\n \"code\": \"090266\",\n \"name\": \"Uniben Microfinance bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 199,\n \"code\": \"090193\",\n \"name\": \"Unical MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 92,\n \"code\": \"000018\",\n \"name\": \"Union Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 85,\n \"code\": \"000011\",\n \"name\": \"Unity Bank\",\n \"logo\": 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\"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 137,\n \"code\": \"090123\",\n \"name\": \"Verite Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 45,\n \"code\": \"999999\",\n \"name\": \"VFD MICROFINANCE BANK\",\n \"logo\": 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\"created\": \"2019-04-16 15:59:06\"\n },\n {\n \"id\": 164,\n \"code\": \"090150\",\n \"name\": \"Virtue MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 153,\n \"code\": \"090139\",\n \"name\": \"Visa Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 242,\n \"code\": \"100012\",\n \"name\": \"VTNetworks\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 91,\n \"code\": \"000017\",\n \"name\": \"Wema Bank\",\n \"logo\": 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XHO9SbldRpvZQXu7/lCG0Zq9cEtn12Mk1+3H6/2LddCG+yBkM52ONND6uv1F2PqX7qg8NHMDsLqMGUgNpMNtZe8MF22N0lssZr3O4aG8a+wrdZBl2VCM2NcbahPLesM1SHc2L42KtfpF5sKItFjWrsJXHG4HcVfDh+jWj8rwPJwWq9G28UP3+8KHX6ODNtwH2ZnxlhbvOn5d3IXnYbwX3ZVZHN910d7KNwWKWyr38vWSQU/ev2atfb0OWntSy/dBLmrNJSLFYDVuiLCHcb2OtkmSvP8U7uf1/wfm0E+ifCYKOwAAAABJRU5ErkJggg==\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 134,\n \"code\": \"090120\",\n \"name\": \"WETLAND MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 138,\n \"code\": \"090124\",\n \"name\": \"XSLNCE Microfinance Bank\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 156,\n \"code\": \"090142\",\n \"name\": \"Yes MFB\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 89,\n \"code\": \"000015\",\n \"name\": \"Zenith Bank\",\n \"logo\": \"data:image/png;base64,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\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 248,\n \"code\": \"100018\",\n \"name\": \"ZenithMobile\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n },\n {\n \"id\": 255,\n \"code\": \"100025\",\n \"name\": \"Zinternet - KongaPay\",\n \"logo\": \"\",\n \"created\": \"2019-09-26 18:20:59\"\n }\n ]\n}"}],"_postman_id":"db479a27-49fa-4df1-818d-14d2fc6e9f51"},{"name":"Bank Account Details","id":"9e0aa89d-c334-4f88-a79a-8cabd4a0a758","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":"https://api.velvpay.com/api/v1/service/general/bank-account-detail?account_number&bank_code","description":"The endpoint returns the details of a bank account
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["general","bank-account-detail"],"host":["https://api.velvpay.com/api/v1/service"],"query":[{"key":"account_number","value":null},{"key":"bank_code","value":null}],"variable":[]}},"response":[],"_postman_id":"9e0aa89d-c334-4f88-a79a-8cabd4a0a758"}],"id":"1fb7efbd-5104-4b69-a563-4fdb4712f1ed","_postman_id":"1fb7efbd-5104-4b69-a563-4fdb4712f1ed","description":"","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}}},{"name":"Bills","item":[{"name":"Category List","id":"eabb9752-39c5-42a9-b697-c4995f037225","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":"https://api.velvpay.com/api/v1/service/bills/category/list","description":"This endpoint returns the list of bill category
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["bills","category","list"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[]}},"response":[],"_postman_id":"eabb9752-39c5-42a9-b697-c4995f037225"},{"name":"List","id":"ec3a8c79-f29f-4687-93b4-d675cc36fccd","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":"https://api.velvpay.com/api/v1/service/bills/list?category=ELECTRICITY","description":"This endpoint returns the list of Bills
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["bills","list"],"host":["https://api.velvpay.com/api/v1/service"],"query":[{"key":"category","value":"ELECTRICITY"}],"variable":[]}},"response":[],"_postman_id":"ec3a8c79-f29f-4687-93b4-d675cc36fccd"},{"name":"Bill Details","id":"b7c446d9-7cef-42d6-b80a-4262f37b100f","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"billerId\":\"airng\",\r\n \"divisionId\": \"C\",\r\n \"productId\": \"423\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/bills/item/details","description":"This endpoint returns the details of the bill
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["bills","item","details"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[]}},"response":[],"_postman_id":"b7c446d9-7cef-42d6-b80a-4262f37b100f"},{"name":"Pay","id":"8190fe7b-99ed-4a1a-a64d-19859a7eb781","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"division\": \"C\",\r\n \"paymentItem\": \"airng\",\r\n \"billerId\": \"airng\",\r\n \"productId\": \"423\",\r\n \"amount\": 50000,\r\n \"billId\": \"07022222222\",\r\n \"category\":\"AIRTIME\"\r\n}\r\n","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/bills/item/pay","description":"The endpoint for bill payment
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["bills","item","pay"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[]}},"response":[],"_postman_id":"8190fe7b-99ed-4a1a-a64d-19859a7eb781"},{"name":"Bill Status","id":"e23a0917-6037-4c18-87a2-bf9e3e54826f","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":"https://api.velvpay.com/api/v1/service/bills/status?reference=VELV-x6O7F7gXEHxGTPJ","description":"This endpoint returns the status of a bill transaction
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["bills","status"],"host":["https://api.velvpay.com/api/v1/service"],"query":[{"key":"reference","value":"VELV-x6O7F7gXEHxGTPJ"}],"variable":[]}},"response":[],"_postman_id":"e23a0917-6037-4c18-87a2-bf9e3e54826f"}],"id":"9c2073bc-778a-4668-891f-076a845f5dab","description":"A business or user wants to pay for a bill (e.g., airtime, utility, cable TV) using the API. The process involves selecting a bill category, choosing a biller, selecting a bill item, validating the customer (if required), making the payment, and checking the payment status.
\nGET /api/v1/service/bills/categoriesGET /api/v1/service/bills/categories\n{\n \"status\": \"success\",\n \"data\": [\n { \"category\": \"airtime\" },\n { \"category\": \"utility\" },\n { \"category\": \"cable tv\" }\n ]\n}\nGET /api/v1/service/bills/list?category={category}GET /api/v1/service/bills/list?category=utility\n{\n \"status\": \"success\",\n \"data\": [\n { \"billerId\": \"123\", \"name\": \"Eko Electric\" },\n { \"billerId\": \"456\", \"name\": \"Ikeja Electric\" }\n ]\n}\nPOST /api/v1/service/bills/item{\n \"billerId\": \"123\",\n \"divisionId\": \"1\",\n \"productId\": \"A1\"\n}\n{\n \"status\": \"success\",\n \"data\": [\n { \"itemId\": \"A1\", \"name\": \"Prepaid Electricity\" },\n { \"itemId\": \"A2\", \"name\": \"Postpaid Electricity\" }\n ]\n}\nPOST /api/v1/service/bills/item/pay{\n \"billId\": \"9876543210\",\n \"division\": \"1\",\n \"paymentItem\": \"A1\",\n \"billerId\": \"123\",\n \"productId\": \"A1\",\n \"amount\": 5000,\n \"category\": \"utility\"\n}\n{\n \"status\": \"success\",\n \"msg\": \"Bill Pay successful\",\n \"data\": {\n \"txId\": \"FR-IM5N2MKNJ40HHKOKNWIV1\",\n \"amount\": 5000,\n \"status\": \"successful\",\n \"description\": \"utility: 9876543210 - ref:REF123456\"\n }\n}\nGET /api/v1/service/bills/status?reference={txId}GET /api/v1/service/bills/status?reference=FR-IM5N2MKNJ40HHKOKNWIV1\n{\n \"status\": \"success\",\n \"data\": {\n \"txId\": \"FR-IM5N2MKNJ40HHKOKNWIV1\",\n \"status\": \"successful\",\n \"amount\": 5000\n }\n}\nNote: Replace placeholders (e.g., {category}, {billerId}, {txId}) with actual values. All endpoints are prefixed with /api/v1/service/.
This API endpoint is used to retrieve the details of a cash craft payment transaction. It is an HTTP GET request to the URL https://api.velvpay.com/api/v1/service/payment/cash-craft/details, with the query parameter transaction_id specifying the ID of the transaction.
The response to this request has a status code of 200, indicating a successful request. The response body contains the details of the payment transaction in JSON format. Here is an example of the response:
\n{\n \"status\": \"\",\n \"msg\": \"\",\n \"data\": {\n \"webhook_url\": null,\n \"accountNumber\": \"\",\n \"metadata\": [\n {\n \"email\": \"\",\n \"data\": {\n \"data\": {\n \"reference\": \"\",\n \"amount\": \"\",\n \"account_number\": \"\",\n \"originator_narration\": \"\",\n \"originator_account_number\": \"\",\n \"originator_account_name\": \"\",\n \"originator_bank\": \"\",\n \"timestamp\": \"\",\n \"session_id\": \"\"\n }\n }\n }\n ],\n \"fee\": 0,\n \"items\": 0,\n \"feeInNaira\": 0,\n \"amountInNaira\": 0,\n \"isCashCraft\": true,\n \"_id\": \"\",\n \"txId\": \"\",\n \"link\": \"\",\n \"name\": \"\",\n \"amount\": 0,\n \"status\": \"\",\n \"channel\": \"\",\n \"type\": \"\",\n \"method\": \"\",\n \"date\": \"\",\n \"description\": \"\",\n \"beneficiaries\": [\n {\n \"amount\": 0,\n \"fee\": 0,\n \"_id\": \"\",\n \"bankCode\": \"\",\n \"accountNumber\": \"\",\n \"transactionId\": \"\",\n \"resolved\": true,\n \"status\": \"\",\n \"reason\": \"\"\n }\n ],\n \"data\": {\n \"status\": \"\",\n \"message\": \"\",\n \"accountNumber\": \"\",\n \"reference\": \"\"\n },\n \"returningBalance\": 0\n }\n}\nPlease note that the response may contain empty strings or null values for some properties. The properties in the response include status, msg, data, webhook_url, accountNumber, metadata, fee, items, feeInNaira, amountInNaira, isCashCraft, _id, txId, link, name, amount, status, channel, type, method, date, description, beneficiaries, data, and returningBalance. Each property represents a specific aspect of the payment transaction.
It is important to note that the example response provided here is just a representation of the possible structure of the response. The actual values may vary based on the specific transaction being queried.
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["payment","cash-craft","details"],"host":["https://api.velvpay.com/api/v1/service"],"query":[{"key":"transaction_id","value":"FR-TS5LQJELY7UYFGLVA0FB"}],"variable":[]}},"response":[{"id":"c82c777d-50cf-4e71-af32-2617b60531e4","name":"successful","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/cash-craft/details?transaction_id=FR-TS5LQJELY7UYFGLVA0FB","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","cash-craft","details"],"query":[{"key":"transaction_id","value":"FR-TS5LQJELY7UYFGLVA0FB"}]}},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json","name":"Content-Type","description":"","type":"text"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"success\",\n \"msg\": \"Transaction Found\",\n \"data\": {\n \"webhook_url\": null,\n \"accountNumber\": \"4700011111\",\n \"metadata\": [\n {\n \"email\": \"no-reply@velvpay.com\",\n \"data\": {\n \"data\": {\n \"reference\": \"VELV-IJ6QDAWEAZslGVb3G4VK\",\n \"amount\": \"500.0\",\n \"account_number\": \"4700022222\",\n \"originator_narration\": \"FRM eleos pul|TESTING \",\n \"originator_account_number\": \"1000000000\",\n \"originator_account_name\": \"Ifedayo Osun\",\n \"originator_bank\": \"090457\",\n \"timestamp\": \"2023-11-16T13:07:16.995\",\n \"session_id\": \"09026723111614032d45049004330097\"\n }\n }\n }\n ],\n \"fee\": 10500,\n \"items\": 1,\n \"feeInNaira\": 105,\n \"amountInNaira\": 500,\n \"isCashCraft\": true,\n \"_id\": \"655612f0f62fc11f462bd99e\",\n \"txId\": \"FR-TS5LQJELY7UYFGLVA0FB\",\n \"link\": \"vlv_tech_ltd\",\n \"name\": \"vlv tech ltd link\",\n \"amount\": 50000,\n \"status\": \"successful\",\n \"channel\": \"API\",\n \"type\": \"primary\",\n \"method\": \"Payment Link\",\n \"date\": \"2023-11-16T13:02:40.000Z\",\n \"description\": \"cash craft payment demo\",\n \"beneficiaries\": [\n {\n \"amount\": 10000,\n \"fee\": 5000,\n \"_id\": \"655612f0f62fc11f462bd99f\",\n \"bankCode\": \"999999\",\n \"accountNumber\": \"1012429143\",\n \"transactionId\": \"FR8PKIRACO6D\",\n \"resolved\": true,\n \"status\": \"confirmed\",\n \"reason\": \"Successful Transfer\"\n },\n {\n \"amount\": 20000,\n \"fee\": 5000,\n \"_id\": \"655612f0f62fc11f462bd9a0\",\n \"bankCode\": \"090267\",\n \"accountNumber\": \"2004330097\",\n \"transactionId\": \"FRP61IKFPJ6Q\",\n \"resolved\": true,\n \"status\": \"confirmed\",\n \"reason\": \"1700140053857\"\n }\n ],\n \"data\": {\n \"status\": \"00\",\n \"message\": \"Successful\",\n \"accountNumber\": \"4700050047\",\n \"reference\": \"VELV-IJ6QDADZqlGVb3G4VK\"\n },\n \"returningBalance\": 546669\n }\n}"},{"id":"0727cb43-5d9a-405e-829b-fb0dbaf8a60a","name":"not-found","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/cash-craft/details?transaction_id=FR-TS5LQELY7UYFGLVA0FB","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","cash-craft","details"],"query":[{"key":"transaction_id","value":"FR-TS5LQELY7UYFGLVA0FB"}]}},"status":"Not Found","code":404,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"82"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"Invalid transaction id\",\n \"err\": \"Transaction not found\"\n}"}],"_postman_id":"f375fda3-5769-42b6-96d1-f651c804a4d9"},{"name":"cash-craft-manual-resolve","event":[{"listen":"prerequest","script":{"exec":["var SECRET_KEY = pm.globals.get(\"SECRET_KEY\");\r","var PUBLIC_KEY = pm.globals.get(\"PUBLIC_KEY\");\r","var ENCRYPTION_KEY = pm.globals.get(\"ENCRYPTION_KEY\");;\r","var REFERENCE_ID = \"FR-\"+new Date().getTime(); // this should be unique for every request\r","var AUTHORIZATION = SECRET_KEY+PUBLIC_KEY+REFERENCE_ID// please note that it needs to follow this order\r","var AUTHORIZATION_TOKEN = CryptoJS.AES.encrypt(AUTHORIZATION,ENCRYPTION_KEY).toString();\r","pm.globals.set(\"AUTHORIZATION_TOKEN\",AUTHORIZATION_TOKEN)\r","pm.globals.set(\"REFERENCE_ID\",REFERENCE_ID)"],"type":"text/javascript","id":"6accaef6-9f14-4c6b-b06e-17dc8f9513f2"}}],"id":"c76e6711-01b6-435d-b289-10b8578c044b","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":"https://api.velvpay.com/api/v1/service/payment/cash-craft/resolve?txId=FR-O0DCYHLBHO5KLBNWJL0Z","description":"This API endpoint is used to resolve a cash craft payment transaction by providing the transaction ID. The transaction ID should be included as a query parameter in the URL.
\nTo resolve a cash craft payment transaction, make an HTTP GET request to the following URL:
\nhttps://api.velvpay.com/api/v1/service/payment/cash-craft/resolve?txId=FR-O0DCYHLBHO5KLBNWJL0Z\n\nThe last execution of this request returned a response with a status code of 400 and an error message: {\"error\":\"\"}.
Here are some examples of possible responses for this request:
\n{ \"message\": \"\"}Please note that the actual response may vary based on the specific implementation and the details of the transaction being resolved.
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["payment","cash-craft","resolve"],"host":["https://api.velvpay.com/api/v1/service"],"query":[{"key":"txId","value":"FR-O0DCYHLBHO5KLBNWJL0Z"}],"variable":[]}},"response":[{"id":"eef663b4-f94c-4038-b68b-c2d306520e2b","name":"error - beneficiaries resolved","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/cash-craft/resolve?txId=FR-O0DCYHLBHO5KLBNWJL0Z","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","cash-craft","resolve"],"query":[{"key":"txId","value":"FR-O0DCYHLBHO5KLBNWJL0Z"}]}},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"42"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"error\": \"All beneficiaries are resolved\"\n}"},{"id":"44645e24-a221-4a5f-8b59-677ae688dd48","name":"error - wallet not found","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/cash-craft/resolve?txId=FR-O0DCYHLBHO5KLBNWJL0Z","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","cash-craft","resolve"],"query":[{"key":"txId","value":"FR-O0DCYHLBHO5KLBNWJL0Z"}]}},"status":"Bad Request","code":404,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"42"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"error\": \"Wallet not found\"\n}"},{"id":"48e9cca8-d1ab-4d58-a5d8-7c2e84c37d9f","name":"error - business not found","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/cash-craft/resolve?txId=FR-O0DCYHLBHO5KLBNWJL0Z","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","cash-craft","resolve"],"query":[{"key":"txId","value":"FR-O0DCYHLBHO5KLBNWJL0Z"}]}},"status":"Bad Request","code":404,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"42"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"error\": \"Business not found\"\n}"},{"id":"7e46cdb9-048b-4852-9cb9-2d4374e9745e","name":"error - transaction not found","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/cash-craft/resolve?txId=FR-O0DCYHLBHO5KLBNWJL0Z","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","cash-craft","resolve"],"query":[{"key":"txId","value":"FR-O0DCYHLBHO5KLBNWJL0Z"}]}},"status":"Bad Request","code":404,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"42"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"error\": \"Transaction not found\"\n}"},{"id":"b424fc14-b2ec-486a-b467-7fbf33ab56d9","name":"error - transaction is not a cash-craft type","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/cash-craft/resolve?txId=FR-O0DCYHLBHO5KLBNWJL0Z","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","cash-craft","resolve"],"query":[{"key":"txId","value":"FR-O0DCYHLBHO5KLBNWJL0Z"}]}},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"42"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"error\": \"Transaction is not a cashcraft type\"\n}"},{"id":"0d99a357-25c6-4b79-a1ef-bab28d74ee91","name":"error - collection was not completed","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/cash-craft/resolve?txId=FR-O0DCYHLBHO5KLBNWJL0Z","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","cash-craft","resolve"],"query":[{"key":"txId","value":"FR-O0DCYHLBHO5KLBNWJL0Z"}]}},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"42"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"error\": \"Collection must be done before making payout\"\n}"},{"id":"39cc476e-71f2-41ea-ae6c-0591f62cec7e","name":"error - manual resolve failed","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/cash-craft/resolve?txId=FR-O0DCYHLBHO5KLBNWJL0Z","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","cash-craft","resolve"],"query":[{"key":"txId","value":"FR-O0DCYHLBHO5KLBNWJL0Z"}]}},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"42"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"error\": \"Manual resolve failed\"\n}"},{"id":"f9bea133-bcbc-4410-914a-7f6d487ff7c4","name":"Manual resolve successful","originalRequest":{"method":"GET","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"url":{"raw":"https://api.velvpay.com/api/v1/service/payment/cash-craft/resolve?txId=FR-O0DCYHLBHO5KLBNWJL0Z","host":["https://api.velvpay.com/api/v1/service"],"path":["payment","cash-craft","resolve"],"query":[{"key":"txId","value":"FR-O0DCYHLBHO5KLBNWJL0Z"}]}},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"42"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"message\": \"Manual resolve successful\"\n}"}],"_postman_id":"c76e6711-01b6-435d-b289-10b8578c044b"},{"name":"cash-craft-confirm-fee","event":[{"listen":"prerequest","script":{"exec":["var SECRET_KEY = pm.globals.get(\"SECRET_KEY\");\r","var PUBLIC_KEY = pm.globals.get(\"PUBLIC_KEY\");\r","var ENCRYPTION_KEY = pm.globals.get(\"ENCRYPTION_KEY\");;\r","var REFERENCE_ID = \"FR-\"+new Date().getTime(); // this should be unique for every request\r","var AUTHORIZATION = SECRET_KEY+PUBLIC_KEY+REFERENCE_ID// please note that it needs to follow this order\r","var AUTHORIZATION_TOKEN = CryptoJS.AES.encrypt(AUTHORIZATION,ENCRYPTION_KEY).toString();\r","pm.globals.set(\"AUTHORIZATION_TOKEN\",AUTHORIZATION_TOKEN)\r","pm.globals.set(\"REFERENCE_ID\",REFERENCE_ID)"],"type":"text/javascript","packages":{},"id":"a7c7ad0f-45e9-441c-bfc1-ff2642dccffa"}}],"id":"9b4095d7-a4c6-4172-89ef-233b3c69ba82","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\":50000,\r\n \"email\": \"testing@velvpay.com\", \r\n \"isNaira\":false,\r\n \"validityTime\": 30,\r\n \"description\": \"cash craft payment demo\",\r\n \"beneficiaries\":[{\"bankCode\":\"999999\",\"accountNumber\":\"101000000\",\"amount\":10000}, {\"bankCode\":\"090267\",\"accountNumber\":\"2001111111\",\"amount\":20000}]\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/cash-craft/fee","description":"This API endpoint allows you to calculate the fees associated with a cash craft payment service. It is an HTTP POST request to the following URL: https://api.velvpay.com/api/v1/service/payment/cash-craft/fee.
This endpoint does not require any request parameters.
\nThe response will have a status code of 200 if the request is successful. The response body will be in JSON format and will contain the following fields:
\nstatus: A string indicating the status of the request.msg: A string containing any additional message related to the request.data: An object containing the fee details for the cash craft payment service. The fields within the data object are as follows:payoutFee: The fee associated with the payout.collectionFee: The fee associated with the collection.totalFee: The total fee for the cash craft payment service.payoutFeeInNaira: The payout fee in Nigerian Naira.collectionFeeInNaira: The collection fee in Nigerian Naira.totalFeeInNaira: The total fee in Nigerian Naira.Here are some examples of the response for this request:
\n{\n \"status\": \"\",\n \"msg\": \"\",\n \"data\": {\n \"payoutFee\": 0,\n \"collectionFee\": 0,\n \"totalFee\": 0,\n \"payoutFeeInNaira\": 0,\n \"collectionFeeInNaira\": 0,\n \"totalFeeInNaira\": 0\n }\n}\n\nPlease note that the actual values of the fields may vary based on the specific request and the configuration of the cash craft payment service.
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"protocol":"https","path":["api","v1","service","payment","cash-craft","fee"],"host":["api","velvpay","com"],"query":[],"variable":[]}},"response":[{"id":"a4c188a4-931d-4364-9232-14c2c7d7cfcf","name":"successful","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\":50000,\r\n \"email\": \"testing@velvpay.com\", \r\n \"isNaira\":false,\r\n \"validityTime\": 30,\r\n \"description\": \"cash craft payment demo\",\r\n \"beneficiaries\":[{\"bankCode\":\"999999\",\"accountNumber\":\"1012649143\",\"amount\":10000}, {\"bankCode\":\"090267\",\"accountNumber\":\"2002930097\",\"amount\":20000}]\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/cash-craft/fee"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"199"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"success\",\n \"msg\": \"cash craft instantiated successfully\",\n \"data\": {\n \"payoutFee\": 10000,\n \"collectionFee\": 500,\n \"totalFee\": 10500,\n \"payoutFeeInNaira\": 100,\n \"collectionFeeInNaira\": 5,\n \"totalFeeInNaira\": 105\n }\n}"},{"id":"a2d818fb-923f-4a35-babb-21e2606cb2be","name":"error - wrong data","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\":\"50000\",\r\n \"email\": \"testing@velvpay.com\", \r\n \"isNaira\":false,\r\n \"validityTime\": 30,\r\n \"description\": \"cash craft payment demo\",\r\n \"beneficiaries\":[]\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/cash-craft/fee"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"117"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"\\\"beneficiaries\\\" must contain at least 1 items\",\n \"err\": \"Wrong data, please check again!\"\n}"},{"id":"506c95f2-cc32-4490-ae31-245f1ee2581c","name":"error - amount too low","originalRequest":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\":\"5000\",\r\n \"email\": \"testing@velvpay.com\", \r\n \"isNaira\":false,\r\n \"validityTime\": 30,\r\n \"description\": \"cash craft payment demo\",\r\n \"beneficiaries\":[{\"bankCode\":\"999999\",\"accountNumber\":\"1012319143\",\"amount\":30000}, {\"bankCode\":\"090267\",\"accountNumber\":\"2008920097\",\"amount\":20000}]\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/cash-craft/fee"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"json","header":[{"key":"content-length","value":"102"},{"key":"content-type","value":"application/json; charset=utf-8"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"reason\": \"Amount must be greater than N500\",\n \"err\": \"Wrong data, please check again!\"\n}"}],"_postman_id":"9b4095d7-a4c6-4172-89ef-233b3c69ba82"},{"name":"cash-craft-initiate","event":[{"listen":"prerequest","script":{"exec":["var SECRET_KEY = pm.globals.get(\"SECRET_KEY\");\r","var PUBLIC_KEY = pm.globals.get(\"PUBLIC_KEY\");\r","var ENCRYPTION_KEY = pm.globals.get(\"ENCRYPTION_KEY\");;\r","var REFERENCE_ID = \"FR-\"+new Date().getTime(); // this should be unique for every request\r","var AUTHORIZATION = SECRET_KEY+PUBLIC_KEY+REFERENCE_ID// please note that it needs to follow this order\r","var AUTHORIZATION_TOKEN = CryptoJS.AES.encrypt(AUTHORIZATION,ENCRYPTION_KEY).toString();\r","pm.globals.set(\"AUTHORIZATION_TOKEN\",AUTHORIZATION_TOKEN)\r","pm.globals.set(\"REFERENCE_ID\",REFERENCE_ID)"],"type":"text/javascript","packages":{},"id":"9d02b0ca-2182-42cf-bb1e-93ecc5166669"}}],"id":"195d5876-841e-41dc-8cf7-ca4c39f78d83","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"api-key","value":"encryptedvalue","type":"text"},{"key":"public-key","value":"","type":"text"},{"key":"reference-id","value":"","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"amount\":50000,\r\n \"email\": \"testing@velvpay.com\", \r\n \"isNaira\":false,\r\n \"validityTime\": 30,\r\n \"description\": \"cash craft payment demo\",\r\n \"beneficiaries\":[{\"bankCode\":\"999999\",\"accountNumber\":\"1077777777\",\"amount\":10000}, {\"bankCode\":\"090267\",\"accountNumber\":\"2009999999\",\"amount\":20000}]\r\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/payment/cash-craft/initiate","description":"This HTTP POST request is used to initiate a cash craft payment. The request should be sent to the endpoint https://api.velvpay.com/api/v1/service/payment/cash-craft/initiate.
The response received from the last execution of this request had a status code of 422. The response body included the following properties:
\nstatus: The status of the payment initiation.reason: The reason for any failure or error in the payment initiation.err: Any additional error information related to the payment initiation.Here is an example of a successful response for this request:
\n{\n \"status\": \"success\",\n \"msg\": \"Payment initiation successful\",\n \"data\": {\n \"status\": \"initiated\",\n \"message\": \"Payment initiation successful\",\n \"accountNumber\": \"1234567890\",\n \"reference\": \"PAY1234567890\",\n \"amountInNaira\": 1000,\n \"bank\": \"ABC Bank\",\n \"validityTime\": 3600,\n \"txId\": \"TX1234567890\",\n \"link\": \"https://example.com/payment/1234567890\",\n \"name\": \"John Doe\",\n \"amount\": 10,\n \"channel\": \"web\",\n \"fee\": 0.5,\n \"feeInNaira\": 50,\n \"type\": \"cash\",\n \"method\": \"craft\",\n \"date\": \"2022-01-01T12:00:00Z\",\n \"description\": \"Payment for order #12345\",\n \"metadata\": [\n {\n \"email\": \"john.doe@example.com\"\n }\n ],\n \"isCashCraft\": true,\n \"beneficiaries\": [\n {\n \"bankCode\": \"ABC\",\n \"accountNumber\": \"0987654321\",\n \"amount\": 10,\n \"transactionId\": null,\n \"resolved\": true,\n \"status\": \"success\",\n \"reason\": null,\n \"fee\": 0.5\n }\n ]\n }\n}\n\nPlease note that the values in the response are examples and may not reflect the actual values returned by the API. The response may contain additional properties not mentioned above.
\nTo use this endpoint, send an HTTP POST request to https://api.velvpay.com/api/v1/service/payment/cash-craft/initiate with the required parameters. The response will provide information about the status of the payment initiation and other relevant details.
Welcome to the Cash Craft Transaction API, a powerful and versatile solution designed to streamline financial transactions, fund collection, and automated payouts for businesses across diverse industries. This API offers a robust set of features to enhance the efficiency and transparency of your payment processes.
\nRequest Received:
\nData Verification:
\nVirtual Account Creation:
\nPayment Confirmation:
\nAutomated Payouts to Beneficiaries:
\nThe Cash Craft Transaction API empowers businesses to enhance their financial operations by providing a secure, efficient, and transparent solution for transactions and payouts. Whether you are an e-commerce platform, crowdfunding site, or financial services provider, this API offers the flexibility and functionality needed to elevate your payment processes. Integrate the Cash Craft Transaction API today and revolutionize the way you handle financial transactions in your business.
\n","_postman_id":"81ddaa06-cf99-4e42-8ced-f470b53f7a1c","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}}},{"name":"Remittance Payout","item":[],"id":"59403c02-c651-4d05-a57d-e210f044bdce","description":"Get list of available currencies for remittance transactions.
\nGET /api/v1/service/remittance/currencies\nQuery Parameters:\n- type (optional)\n - Values: \"inflow\" | \"outflow\" \n - Default: \"outflow\"\n - Controls whether NGN is filtered as fromCurrency or toCurrency\nResponse 200:\n{\n \"success\": true,\n \"message\": \"Supported currencies fetched successfully\",\n \"data\": [\n {\n \"fromCurrency\": {\n \"abbr\": \"NGN\",\n \"displayRate\": 1\n },\n \"toCurrency\": {\n \"abbr\": \"USD\", \n \"displayRate\": 0.00074\n },\n \"rate\": 0.00074,\n \"minimumQuantity\": 100,\n \"minimumAmount\": 135.14,\n \"status\": \"open\",\n \"acceptedPaymentMethod\": \"BANK_TRANSFER\"\n }\n ]\n}\n\nGet rate payment providers for a specific currency.
\nGET /api/v1/business/remittance/exchange/currency\nQuery Parameters:\n- amount (required) - Amount in the fromCurrency (e.g. \"2000\")\n- fromCurrency (required) - Country currency you're sending from (e.g. \"UGX\") \n- fromCurrencyIso2 (required) - Country ISO code you're sending from (e.g. \"UG\")\n- toCurrency (required) - Country currency you're sending to (e.g. \"NGN\") \n- toCurrencyIso2 (required) - Country ISO code you're sending to (e.g. \"NG\")\n\n\nExample: /currencies/providers?amount=2000&fromCurrency=UGX&toCurrency=NGN&fromCurrencyIso2=UG&toCurrencyIso2=NG\nResponse 200 :\n{\n \"success\": true,\n \"data\": {\n \"fromCurrency\": {\n \"abbr\": \"NGN\",\n \"displayRate\": 1\n },\n \"toCurrency\": {\n \"abbr\": \"USD\", \n \"displayRate\": 0.00074\n },\n \"rate\": 0.00074,\n \"minimumQuantity\": 100,\n \"minimumAmount\": 135.14,\n \"status\": \"open\",\n \"acceptedPaymentMethod\": \"BANK_TRANSFER\"\n }\n\n}\n\nGet available payment providers for a specific currency.
\nGET /api/v1/service/remittance/currencies/providers\nQuery Parameters:\n- currency (required) - Currency code (e.g. \"UGX\")\n- iso (required) - Country ISO code (e.g. \"UG\") \n- method (required) - \"mobile_money\" or \"bank_transfer\"\nExample: /currencies/providers?currency=UGX&iso=UG&method=MOBILE_MONEY\nResponse 200 (Mobile Money):\n{\n \"success\": true,\n \"message\": \"Providers fetched successfully\",\n \"data\": {\n \"providers\": [\n {\n \"name\": \"MTN Mobile Money\",\n \"network\": \"MTN\"\n }\n ],\n \"suggestedFields\": [\n \"mobile_number\",\n \"network\", \n \"account_name\"\n ]\n }\n}\nResponse 200 (Bank Transfer):\n{\n \"success\": true,\n \"data\": {\n \"providers\": null,\n \"suggestedFields\": [\n \"account_number\",\n \"bank\",\n \"account_name\" \n ]\n }\n}\n\nInitiate a remittance payout transaction.
\nPOST /api/v1/service/remittance/initiate\nRequest Headers:\nContent-Type: application/json\nRequest Body:\n{\n \"selectedCountry\": {\n \"fromCurrency\": {\n \"abbr\": \"NGN\",\n \"displayRate\": 1\n },\n \"toCurrency\": {\n \"abbr\": \"USD\",\n \"displayRate\": 0.00074\n },\n \"rate\": 0.00074,\n \"fromCurrencyIso2\": \"NG\", \n \"toCurrencyIso2\": \"US\",\n \"acceptedPaymentMethod\": \"BANK_TRANSFER\"\n },\n \"amount\": 1500000, // amount in kobo\n \"quantity\": 1116.86, // amount in target currency\n \"account_number\": \"1234567890\",\n \"account_name\": \"John Doe\",\n \"selectedProvider\": null, // required for mobile money\n \"sortCode\": \"123456\", // bank code\n \"pin\": \"1234\" // transaction PIN\n}\nResponse 200 (Success):\n{\n \"success\": true,\n \"message\": \"Remittance payout initiated successfully. Total amount withdrawn: 1500000\"\n}\nResponse 400 (Failed):\n{\n \"status\": \"error\",\n \"err\": \"All Remittance payout have failed. Total attempted amount: 1500000\"\n}\nResponse 403 (Invalid PIN):\n{\n \"status\": \"error\", \n \"err\": \"Invalid pin!\"\n}\n\n- Maximum transaction amount: 5,000,000 NGN per transaction\n- Daily withdrawal limit: Configured per business\n- Transaction PIN required\n- RC validation required for transactions >= 1,000,000 NGN\n\n400 - Bad Request\n- Missing required fields\n- Invalid transaction amount\n- Insufficient wallet balance\n403 - Forbidden \n- Invalid transaction PIN\n- Daily limit exceeded\n- Transaction in progress\n- Withdrawals temporarily disabled\n500 - Server Error\n- Internal processing error\n\nSends a reminder email to the customer for a specific invoice. The reminder message is automatically customized based on timing (7 days before due, due today, 3 days overdue, 1 week overdue, 2 weeks overdue). Only works if manuallyTriggerReminder is enabled for the invoice.
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["api","v1","service","invoice","remind",":invoiceId"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[{"id":"51889fbe-b249-42f4-ac3d-f9be71bf6781","description":{"content":"The unique identifier of the invoice
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\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["api","v1","service","invoice","list"],"host":["https://api.velvpay.com/api/v1/service"],"query":[{"description":{"content":"Page number for pagination (default: 1)
\n","type":"text/plain"},"key":"page","value":"1"},{"description":{"content":"Number of invoices per page (default: 10)
\n","type":"text/plain"},"key":"limit","value":"10"},{"description":{"content":"Filter by invoice status: sent, paid, overdue, or part-payment
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\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["api","v1","service","invoice","create"],"host":["https://api.velvpay.com/api/v1/service"],"query":[],"variable":[]}},"response":[{"id":"c3e56abd-9ffb-4235-8892-69fa5015c048","name":"Successful Invoice Creation","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"customerName\": \"John Doe\",\n \"customerEmail\": \"john.doe@example.com\",\n \"customerAddress\": \"123 Main Street, Lagos, Nigeria\",\n \"currency\": \"ngn\",\n \"customerPhoneNumber\": \"08012345678\",\n \"invoiceTitle\": \"Website Development Services\",\n \"items\": [\n {\n \"item\": \"Frontend Development\",\n \"quantity\": 1,\n \"price\": 150000\n },\n {\n \"item\": \"Backend API Development\",\n \"quantity\": 1,\n \"price\": 200000\n },\n {\n \"item\": \"Database Setup\",\n \"quantity\": 1,\n \"price\": 50000\n }\n ],\n \"dueDate\": \"2024-12-31\",\n \"discount\": {\n \"option\": \"percentage\",\n \"value\": 10\n },\n \"tax\": 0.075,\n \"shippingFee\": 5000,\n \"note\": \"Payment terms: Net 30 days. Late payments subject to 5% monthly interest.\",\n \"paymentPlan\": \"50/50\",\n \"manuallyTriggerReminder\": false\n}","options":{"raw":{"language":"json"}}},"url":"https://api.velvpay.com/api/v1/service/api/v1/service/invoice/create"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json","description":"","enabled":true}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"success\",\n \"message\": \"Invoice created successfully\",\n \"data\": {\n \"invoiceUrl\": \"https://pay.velvpay.com/invoice/FI-A1B2C3D4E5\",\n \"invoiceId\": \"FI-A1B2C3D4E5\",\n \"customer\": {\n \"name\": \"John Doe\",\n \"email\": \"john.doe@example.com\",\n \"address\": \"123 Main Street, Lagos, Nigeria\",\n \"phoneNumber\": \"08012345678\"\n },\n \"invoiceTitle\": \"Website Development Services\",\n \"currency\": \"ngn\",\n \"items\": [\n {\n \"item\": \"Frontend Development\",\n \"quantity\": 1,\n \"price\": 50000000\n },\n {\n \"item\": \"Backend API Integration\",\n \"quantity\": 1,\n \"price\": 30000000\n }\n ],\n \"pricing\": {\n \"subtotal\": 80000000,\n \"discount\": {\n \"option\": \"percentage\",\n \"value\": 10,\n \"discountPrice\": 8000000\n },\n \"tax\": {\n \"rate\": 0.075,\n \"taxPrice\": 5400000\n },\n \"shippingFee\": 0,\n \"total\": 77400000\n },\n \"totalAmount\": 77400000,\n \"totalAmountInNaira\": 774000,\n \"status\": \"sent\",\n \"dueDate\": \"2024-02-15T00:00:00.000Z\",\n \"sentDate\": \"2024-01-20T10:30:00.000Z\",\n \"paymentLink\": \"https://pay.velvpay.com/b-inv01\",\n \"paymentPlan\": \"full\",\n \"manuallyTriggerReminder\": true,\n \"note\": \"Payment due within 30 days. Thank you for your business!\",\n \"company\": {\n \"name\": \"Tech Solutions Ltd\",\n \"email\": \"billing@techsolutions.com\",\n \"phone\": \"08098765432\",\n \"address\": \"456 Business Avenue, Victoria Island, Lagos\",\n \"logo\": \"https://cdn.velvpay.com/logos/techsolutions.png\"\n }\n }\n}"}],"_postman_id":"9f7aa7f2-6d53-4b6e-97e5-8b5e71f80dc3"}],"id":"72169e82-c54b-4df0-98bd-4c6bf4f45312","description":"The Invoice Management service provides a complete solution for creating, managing, and tracking invoices for your business. This service handles the entire invoice lifecycle from creation to payment, including automated reminders and status tracking.
\nFlexible Payment Plans: Support for multiple payment plan options (full payment, 70/30, 60/40, 50/50, 80/20 splits)
\nAutomated Email Notifications: Automatic email delivery to customers when invoices are created, updated, or reminders are sent
\nSmart Reminder System: Configurable automated reminders at strategic intervals (7 days before due, on due date, 3 days after, 1 week after, 2 weeks after)
\nAutomatic Status Management: Intelligent overdue detection that automatically updates invoice status when due dates pass
\nComprehensive Calculations: Automatic calculation of subtotals, discounts (percentage or fixed amount), taxes, and shipping fees
\nPayment Tracking: Real-time tracking of payment status including partial payments
\nUnique Invoice IDs: Auto-generated invoice identifiers in format FI-{10 alphanumeric characters}
\nPayment Links: Automatically generated payment links with short codes (b-{5 characters})
\nIdempotency Support: Built-in protection against duplicate operations
\nCreate Invoice - Generate new invoices with complete customer and line item details
\nList Invoices - Retrieve all invoices with pagination and filtering capabilities
\nGet Invoice Details - Fetch complete information for a specific invoice
\nUpdate Invoice - Modify existing unpaid or partially paid invoices
\nSend Invoice Reminder - Manually trigger reminder emails to customers
\nCreating invoices for products or services with itemized line items
\nTracking payment status across multiple invoices
\nSetting up flexible payment plans for customers
\nAutomating payment reminders to reduce late payments
\nGenerating reports on invoice statistics (total amounts, paid amounts, overdue amounts)
\nUpdating invoice details before payment is completed
\nManaging overdue invoices with targeted reminder campaigns
\nSupported Base Settlement Currency: Currently NGN only (Nigerian Naira)
\nStatus Values: sent, paid, overdue, part-payment
\nOverdue Detection: Automatic status update when due date is more than 24 hours past
\nTax Format: Decimal value between 0 and 1 (e.g., 0.075 for 7.5% tax)
\nLists all physical stock locations registered to your business. The primary virtual branch will always return as LOC-DEFAULT.
Registers a new location. Setting fulfillOnlineOrders: true allows the storefront engine to allocate digital checkouts to this branch's stock pool.
Directly adjusts physical stock levels at a specified branch location.
\nReservation Rules: Our inventory engine utilizes a three-tier system: onHand (physical total), reserved (locked by pending checkouts), and available (liquid stock). You cannot drop onHand below reserved. (Pending checkouts automatically expire and release reservations after 30 minutes of non-payment).
Track stock levels across multiple geographical locations, warehouses, or drop-shipping nodes.
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Updates the order's state machine. Allowed statuses are processing, ready, fulfilled, or attention.
Changing an order's status to fulfilled automatically appends a locked fulfillmentDate timestamp onto the database record.
Review and action confirmed customer checkouts.
\n","_postman_id":"ba33891e-4120-49fa-bce8-986b2cd6afb5","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}}},{"name":"Products","item":[{"name":"List products","id":"465f211c-8de8-4298-b12c-d9300929cd9f","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"/api/v1/service/storefront/products?page=1&limit=25","description":"Returns a paginated list of your active and inactive storefront products. Supports page, limit, and active query parameters.
Creates a new catalog item.
\namount: Must be passed in the minor currency unit (e.g. 250000 = β¦2,500.00).productKind: Can be physical, digital, or service.trackInventory is true, this endpoint automatically provisions your stockQuantity into a default physical location (LOC-DEFAULT).Retrieves the full configuration object for a single product identifier.
\n","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}},"urlObject":{"path":["api","v1","service","storefront","products",""],"host":[""],"query":[],"variable":[]}},"response":[{"id":"ef55f414-b1be-400a-a021-7690b74ee1b8","name":"Success","originalRequest":{"method":"GET","header":[],"url":"/api/v1/service/storefront/products/","description":"Retrieves the full configuration object for a single product identifier."},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"success\",\n \"data\": {\n \"short\": \"b-xyz123\",\n \"name\": \"Classic Shirt\",\n \"amount\": 250000\n }\n}"},{"id":"3eaeabb7-d46c-4522-8ea3-804a2649787a","name":"Not Found","originalRequest":{"method":"GET","header":[],"url":"/api/v1/service/storefront/products/","description":"Retrieves the full configuration object for a single product identifier."},"status":"Not Found","code":404,"_postman_previewlanguage":"Text","header":[],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"error\",\n \"error\": {\n \"code\": \"PRODUCT_NOT_FOUND\",\n \"message\": \"Product not found\"\n }\n}"}],"_postman_id":"0dbeed88-05e8-453e-ac5f-0276fb5efa2e"},{"name":"Update product","id":"529863ae-ee3c-41a4-9d2f-1249925473dc","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"PATCH","header":[{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"name\": \"Classic Shirt - Updated\",\n \"amount\": 275000,\n \"stockQuantity\": 50\n}"},"url":"/api/v1/service/storefront/products/","description":"Allows partial updates to a product's price, stock, or marketing materials.
\nStock Warning: When reducing stockQuantity, you cannot reduce the quantity lower than the volume of units currently locked in pending unpaid checkouts. Doing so yields a 409 Conflict.
Soft-deletes a product by flagging its active status to false. Removes it entirely from your public storefront and automatically zeroes out its available global inventory so lingering checkout links immediately reflect as 'Out of Stock'.
Programmatically construct and synchronize your catalogue items. Under the hood, Storefront Products behave identically to advanced Payment Links.
\n","_postman_id":"63c4cbe9-4494-4114-ab1c-c24822116778","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}}},{"name":"Profile","item":[{"name":"Get storefront profile","id":"7715835b-1937-45b6-b2c3-a4c9e8a7c3e0","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"/api/v1/service/storefront","description":"Fetches your current storefront configuration, including the assigned subdomain (storefrontLink), logo, and theme variables.
Mutates your storefront configuration.
\nNote on storefrontLink: Changing your storefrontLink requires global uniqueness. If the requested string collides with an active VelvPay payment link or another merchant's storefront, this endpoint will return a 409 Conflict. If successful, your older links are permanently archived in your history to prevent dead links.
Manage the core branding, naming, and URL structure of your public-facing Storefront.
\n","_postman_id":"1b51da0a-0dd3-4864-97c4-47a8d4e68548","auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"encryptedvalue"}]},"isInherited":true,"source":{"_postman_id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","id":"f551ee5c-3ee2-4685-a5d3-c63e2532180a","name":"Velvpay","type":"collection"}}}],"id":"0845f724-706b-4bf4-97c8-cd0d28fd8bb6","description":"Welcome to the VelvPay Storefront API. This collection empowers businesses to programmatically manage their complete e-commerce lifecycleβranging from storefront theming and product catalogue synchronisation, to multi-branch inventory tracking and order fulfilment.
\nEvery request utilizes our secure API Gateway via three custom headers:
\npublic-key: Your business's public identifier.reference-id: A unique string generated per request (e.g., a UUID).api-key: An AES-encrypted signature generated dynamically using your secretKey + publicKey + reference-id.Test Mode: Supplying a public key that begins with PK_TEST_ automatically engages our sandbox mode. Database writes are safely bypassed, and you instantly receive simulated 2xx success payloads.
For operations that modify state (POST, PUT, PATCH), supply an idempotencyKey header. This guarantees that network timeouts/retries will not duplicate your products or locations. If omitted, the reference-id acts as the fallback.
All monetary amounts must be supplied in their lowest minor unit to prevent floating-point inaccuracies. For example, to set an item's price at β¦2,500.00, you must pass \"amount\": 250000.
publicKey and secretKey.