Identity Verification

eKYC verification and checks
BVN verification
PEP and other sanction checks
AML controls
3 Tiered KYC checks
Image recognition and matching

Verify KYC Level 3

This operation is used to verify cardholder’s KYC Level 3 (KYC means ‘know your customer’). Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/verifykycbvn.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID	Required
bvn	BVN- Bank Verification Number	Required
firstName	First name registered with the BVN	Required
lastName	Last name registered with the BVN	Required
phone	Phone number registered with the BVN	Required
date	Date of birth registered with the BVN (dd-MMM-yyyy eg. 01-JAN-2010)	Optional
accountNumber	User bank account number	Required
bankCode	User bank code (6 digits)	Required
encKey	SHA-256(merchantID+bvn+privateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code	required
response	success or fail	required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/verifykycbvn.do?merchantID=72&bvn=22222222249&firstName=CHARLES&lastName=MEGAFU&phone=2348094194738&date=27-FEB-1977&accountNumber=1000178065&bankCode=999082&encKey=f2567d99d3fc39dc5c85eca7d044f45db2b2ca18af26d3b79ecd62c8150680

response:

result=30&response=success

Get Account KYC Level

This operation is used to get the KYC Level of the cardholder (KYC means ‘know your customer’). Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/kyc.do

Request Parameters

Parameter	Description	Type
accountID	Provided user id. Unique 19 digits code or mobile number in international format with country code	Required
merchantID	Provided merchant id	Required
encKey	Encryption key. SHA-256 (accountID + merchantID + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
Parameter	Description	Type
result	Success or fail result code	Required
KYC Level	Account KYC Level. Possible values: 0,1,2 – NON KYC levels 3 – FULL KYC level For checkSUM: 0 – NON_KYC 1 – LIMITED_KYC 2 – BASIC_KYC 3 – FULL_KYC	Required
checkSUM	Encryption key. SHA- 256(accountID + kyc + merchantPrivateKey)	Optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/kyc.do?accountID=2348096544765&merchantID=341&encKey=d2b4ab4a1c4c78e36808132887e64957954ed82d26a6314cb1c94058f2197b

response:

result=30&kyc=2&checkSUM=C90407B4A31B5DE9F9A8B6C64FB00C60DA28469BDD6F2B321BD03BC136B7D559

Verify Bank Details

This method is used to verify bank account details. The bank account submitted on the request will be verified through NIBSS. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/verifybank.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID of the client	required
bankAccountNumber	User bank account number	required
bankCode	User bank code (6 digits)	required
encKey	SHA-256(bankCode+ merchantID+ bankAccountNumber+ merchantSecurityKey)	required

Response Parameters

Parameter	Description	Type
result	Response code in case of successful transaction will be APPROVED = “30”	result
errorMessage	Description of error returned	errorText
errorCode	Nibss name enquiry response code	errorCode
accountIdentificationName	Parameter containing nibss name enquiry response is returned in case of success. In case of nibss invocation failure nibss error response code returns in errorCode	text

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/verifybank.do?merchantID=75&bankAccountNumber=0418563022&bankCode=214&encKey=829E38D21CEB5474BDD9A62C5FEAE15F79027014835843B79AAF3C12E291064E

response:

result=30&errorCode=01&accountIdentificationName=Anyaccountname&errorMessage=null

Verify BVN Number

This method is used to verify BVN Number. BVN Number submitted on the request will be verified through NIBSS. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/verifybvn.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID	Required
bvn	BVN- Bank Verification Number	Required
merchantIP	IP address used to call the system	Required
firstName	First name registered with the BVN	Required
lastName	Last name registered with the BVN	Required
phone	Phone number registered with the BVN	Optional
date	Date of birth registered with the BVN (dd-MMM-yyyy eg. 01-JAN-2010)	Optional
encKey	SHA-256(merchantID+bvn+privateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code	required
response	Result of verification by NIBSS	required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/verifybvn.do?merchantID=72&bvn=22222222249&merchantIP=192.45.5.27&firstName=Charles&lastName=Megafu&phone=2348167351806&date=27-FEB-1977&encKey=f2567d99d3fc39dc5c85eca7d044f45db2b2ca18af26d3b79ecd62c8150680f

response:

result=30&response=00&validity=VALID

Verify Multiple BVN Numbers

This method is used to verify Multiple BVN Numbers. Multiple BVN Numbers submitted on the request will be verified through NIBSS. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/verifymultiplebvn.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID	Required
data	request XML in same format as in NIBSS doc	Required
merchantIP	IP address used to call the system	Required
encKey	SHA-256(merchant_id + data + privatekey)	Required

Response Parameters

Parameter	Description	Type
result	Response code	required
response	Result of verification by NIBSS	required

Verify Mobile Number

Method URL

https://kegow.bancore.com/getit/api/mobile/checkCustomer.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
phone	Recipient’s phone number	Required
encKey	Encryption key SHA-256(merchant_id+phone+merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
firstName	First name of the user	Required
lastName	Last name of the user	Required

Get Personal Information

Method URL

https://kegow.bancore.com/getit/api/mobile/profile/get.do

Request Parameters

Parameter	Description	Type
access_token	Unique token generated	Required
merchant_id	Merchant account id. Provided by Bancore.	Required
encKey	Encryption key. SHA-256(merchant_id+ access_token+ merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
address	Customer’s address	Required
country	Customer’s country	Required
email	Customer’s email address	Required
firstName	Customer’s first name	Required
lastName	Customer’s last name	Required
zip	Zip code	Required
city	Customer’s city	Required
dateOfBirth	Customer’s date of birth	Required
subscribed	Customer’s subscription	Optional
address2	Customer’s address 2	Optional
fullAddress	Customer’s full address	Optional
cityDistrict	Customer’s city district	Optional
stateCountyRegion	Customer’s region code	Optional

Retrun Codes

Code	Value	Description
0	MISSING_PARAMETER	Required parameter(s) was not found or wrong name
10	REJECT_ENCKEY_MISMATCH	Encryption key is invalid
30	SUCCESS	Successful operation
95	INVALID_MERCHANT_ACCOUNT	Invalid merchant, merchant don’t exist
100	GENERAL_ERROR	Unknown error. Please try again later
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
415	WRONG_TOKEN	Token value is wrong

Update Personal Information

This operation is used to update Personal Information of the cardholder. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/profile/update.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account id. Provided by Bancore.	Required
phone	Mobile number in international format	Required
address	Customer’s address	Required
country	Customer’s country	Required
email	Customer’s email address	Required
firstName	Customer’s first name	Required
lastName	Customer’s last name	Required
zip	Zip code	Required
city	Customer’s city	Required
dateOfBirth	Customer’s date of birth	Required
subscribed	Customer’s subscription	Optional
address2	Customer’s address 2	Optional
fullAddress	Customer’s full address	Optional
cityDistrict	Customer’s city district	Optional
stateCountyRegion	Customer’s region code	Optional
encKey	SHA-256(merchantID +phone+ email+ dateOfBirth+ merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/profile/update.do?merchantID=50&phone=2348096989068&address=Maple+street+29-2&country=NG&email=test@test.com&firstName=Ayn&lastName=Vorky&zip=100001&city=Lagos&dateOfBirth=2000-08-08&subscribed=true&address2=Maple+street+27-2&fullAddress=Maple+street+23+Lagos+100001&cityDistrict=test&stateCountyRegion=LA&encKey=d1eb48c64a55ccd08a86b53752660ee69b8593ba5a59c30d53d01ee2f90950

response:

result=30

Verify Upload KYC Documentation for Verification (POI, POA)

This operation is used to Upload KYC Documentation for Verification (POI, POA). Use the Method URL below.

Method URL

https://kegow.kegow.com/getit/api/merchant/kyc/upload.do

Request Parameters

Parameter	Description	Type
phone	Mobile number in international format	Required
merchantID	Provided merchant account id	Required
proofIdentityBase64	Document file encoded Base64. Proof of identity. Supported file type .jpeg, .png Size limit 350 kb	Required
proofAddressBase64	Document file encoded Base64. Proof of address. Supported file type .jpeg, .png Size limit 350 kb	Required
encKey	Encryption key. SHA-256(merchantID + phone + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
Parameter	Description	Type
result	Success or fail result code	Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/kyc/upload.do
POST data:
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa
Content-Disposition: form-data; name=”merchantID”
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit
341
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa
Content-Disposition: form-data; name=”phone”
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit
2348096989068
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa
Content-Disposition: form-data; name=”proofIdentityBase64″
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit
/9j/4AAQSkZJRgABAQEAYABgAAD/4RCoRXhpZgAATU0AKgAAAAgABAE7AA
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa
Content-Disposition: form-data; name=”proofAddressBase64″
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit
/9j/4AAQSkZJRgABAQEAYABgAgABAE7AAIAAAASAAAISodpAAQAAAABAAAIXJydAAEAAAAkAAAQfOocAAcAAA
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa
Content-Disposition: form-data; name=”encKey”
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit
838b3a25736f7f8ee35efb562a35f4a34f299aefff3b4882f4ae940725aea50
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa–

response:

result=30

Possible Return Codes

Possible Return Codes are digit numerical values sent as a part of the response from the server. Status codes give an idea of whether the request to the server has been successful or not.

Find in the table below the return codes and their respective descriptions:

Code	Value	Description
0	MISSING_PARAMETER	Required parameter(s) was not found or wrong name
10	REJECT_ENCKEY_MISMATCH	Encryption key is invalid
20	INSUFFICIENT_FUNDS	Not enough funds for requested operation
30	SUCCCESS	Successful Payment
40	SUCCCESS. IN PROGRESS	Successful operation. Transaction in progress.
60	INVALID_CARD	Invalid card number.Accountdoesn’t exist For registration, returns if account already exists
61	CARD_BLOCKED	Blocked card
90	INVALID_ORDER_ID	OrderID must be unique
95	INVALID_MERCHANT_ACCOUNT	Invalid merchant, merchant don’t exist
96	INVALID_AMOUNT	Invalid amount for the operation
97	AMOUNT_TOO_BIG	Amount is too big to be accepted by the destination phone number
98	TRANSFER_LIMIT	Transfer limit is reached
100	GENERAL_ERROR	Unknown error. Please try again later
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
103	PIN_ERROR	PIN code is wrong
111	RECORD_NOT_FOUND	The requested record is not found
113	CARDID_TOKEN_WRONG	Card id differs from account represented by token
116	KYC_PAYMENT_LIMIT	Payment limit is exceeded for KYC level
200	USER_IP_TRIES_EXCEEDED	Customer has exceeded failed attempts and has been blocked
202	UNEXPECTED_MERCHANT_IP	Merchant IP is unknown
203	INACTIVE_MERCHANT_ACCOUNT	The merchant account is not active
300	FEE_NOT_FOUND	Fee value not available
400	APPLICATION_UPDATE	The application is not available
412	AMOUNT_ERROR	Amount is wrong
415	WRONG_TOKEN	Token value is wrong
420	WRONG_BANK_ACCOUNT	The submitted bank account information is incorrect

Bulk Operations

Consumer Services

Get A Quote

Identity Verification

Verify KYC Level 3

Method URL

Request Parameters

Response Parameters

Sample:

request:

response:

Get Account KYC Level

Method URL

Request Parameters

Response Parameters

Sample:

request:

response:

Verify Bank Details

Method URL

Request Parameters

Response Parameters

Sample:

request:

response:

Verify BVN Number

Method URL

Request Parameters

Response Parameters

Sample:

request:

response:

Verify Multiple BVN Numbers

Method URL

Request Parameters

Response Parameters

Verify Mobile Number

Method URL

Request Parameters

Response Parameters

Get Personal Information

Method URL

Request Parameters

Response Parameters

Retrun Codes

Update Personal Information

Method URL

Request Parameters

Response Parameters

Sample:

Verify Upload KYC Documentation for Verification (POI, POA)

Method URL

Request Parameters

Response Parameters

Sample:

request:

response:

Possible Return Codes

API Specification

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