Consumer Services

Well documented APIs to offer consumer product
Supports products like:
Insurance (Auto, health, life);
Airtime;
Fashion;
Bill payment;
Travel

Customer Registration

Method URL

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

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID	Required
phone	Mobile number in international format	Required
name	User name	Required
address	User address	Required
city	User city	Required
country	User country in ISO code format (ex. Nigeria – NG)	Required
zip	Zip Code	Required
region	Region code in ISO format (LA for Lagos)	Optional
customerID	National ID	Optional
ip	User IP address	Optional
email	User email	Optional
encKey	SHA-256(merchantID + phone + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code in case of successful transaction will be APPROVED = “30”	result
phone	User phone number	phone
encKey	SHA-256(merchantID + phone + result + merchantPrivateKey)	encKey
errorText	If we have some errors, add supported text.	errorText

Return 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	Operation successful
60	INVALID_CARD	Invalid card number. Account doesn’t exist For registration, returns if account already exists
95	INVALID_MERCHANT_ACCOUNT	Invalid merchant, merchant don’t exist
100	GENERAL_ERROR	Unknown error. Please try again later
200	USER_IP_TRIES_EXCEEDED	Customer has exceeded failed attempts and has been blocked
202	UNEXPECTED_MERCHANT_IP	Merchant IP is unknown

Customer Log in

Method URL

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

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
client_id	Unique client identifier provided by client	Required
phone	User phone number in international format starting with country code	Required
password	SHA-256 (pin code value entered on client side)	Required
enckey	SHA256(merchant_id + client_id + phone + password + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code in case of successful transaction will be APPROVED = “30”	required
token	Access token value	optional
needChangePassword	true or false If true request customer to set permanent pin.	optional

Parameter

Description

Type

result

Response code in case of successful transaction will be

APPROVED = “30”

required

token

Access token value

optional

needChangePassword

true or false

If true request customer to set permanent pin.

optional

Sample:

request:

https://kegow.bancore.com/getit/api/mobile/authorize.do?merchant_id=83&client_id=1234567890&password=03ac674216f3e15c761ee1a5e255f067953623c8b388b4459e13f978d7c846f4&phone=2347083692514&encKey=a61814bd2526ddae860077832da2d75c4b369e79442bd1b61dbd2822309f9302

response:

result=30&token=nMQVcZ0&needChangePassword=false

Return 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	Operation successful
95	INVALID_MERCHANT_ACCOUNT	Invalid merchant, merchant don’t exist
101	MOBILE_NUMBER_ERROR	Mobile number is wrong
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
103	PIN_ERROR	PIN code is wrong

Token Renew

Method URL

https://kegow.bancore.com/getit/api/mobile/updateToken/call.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account id. Provided by Bancore.	Required
client_id	Unique client identifier provided by client	Required
phone	Customer phone number	Required
access_token	Token generated previously	Required
enckey	SHA-256(merchant_id+access_token+phone+client_id+merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code in case of successful transaction will be APPROVED = “30”	required
errorMessage	Error description	optional
access_token	Renewed access token	optional

Parameter

Description

Type

result

Response code in case of successful transaction will be

APPROVED = “30”

required

errorMessage

Error description

optional

access_token

Renewed access token

optional

Return 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

Set Pin Code

Method URL

https://kegow.bancore.com/getit/api/mobile/pin/set.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
pin	Customer pin code	Required
newPin	New pin code	Required
access_token	Token generated previously	Required
enckey	SHA-256(merchant_id+access_token+pin+newPin+merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code in case of successful transaction will be APPROVED = “30”	required
errorMessage	Error description	optional

Parameter

Description

Type

result

Response code in case of successful transaction will be

APPROVED = “30”

required

errorMessage

Error description

optional

Return 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
101	MOBILE_NUMBER_ERROR	Mobile number is wrong
103	PIN_ERROR	PIN code is wrong
415	WRONG_TOKEN	Token value is wrong

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

Method URL

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

Request Parameters

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

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required

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

Remind Pin

Method URL

https://kegow.bancore.com/getit/api/mobile/pin/restore.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
phone	Customer 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

Sample:

request:

https://kegow.bancore.com/getit/api/mobile/pin/restore.do?phone=2347083698527&merchant_id=87&encKey=0b40482ef928ae3fdffae0eaa94be10aef95139e5ee13f436d3d5397b39180c9

response:

result=30

Return 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
101	MOBILE_NUMBER_ERROR	Mobile number is wrong

Redeem Vouchers

Method URL

https://kegow.bancore.com/getit/api/mobile/topup/voucher.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
voucher	19 digits number	Required
encKey	Encryption key SHA-256(merchantID + access_token+ vocuher + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
transactID	Transaction id	Optional

Return Codes

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
60	INVALID_CARD	Invalid card number. Account doesn’t exist For registration, returns if account already exists
96	INVALID_AMOUNT	Invalid amount for the operation
100	GENERAL_ERROR	Unknown error. Please try again later
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
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
415	WRONG_TOKEN	Token value is wrong

Get Cards List

Method URL

https://kegow.bancore.com/getit/api/mobile/cards/call.do

Request Parameters

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

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
errorMessage	Error description	Optional
cardsList	json format: id,amount,currency,cardNumber, type, defaultCard	Optional

Sample:

response:

result=30&cardsList=[{“”id””:4737684,””amount””:””172272.64″”,””currency””:””XOF””,””cardNumber””:”” 1841″”,””type””:””VIRTUAL””},{“”id””:4738372,””amount””:””324.92″”,””currency””:””XOF””,””cardNumber””:”” 5842″”,””type””:””VIRTUAL””}]

Return 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

View Card Details

Method URL

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

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
card_id	Unique identifier of the card returned in card list	Required
cardNumberPart	false – returns masked PAN, CVV, exp date true – returns remaining digits of masked PAN	Required
encKey	Encryption key. SHA-256(merchant_id+card_id+access_token+merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
errorMessage	Error description	Required
availableBalance	balance available on the card	Required
currency	currency of the card	Required
cardHolderName	cardholder name	Required
cvv	secret code of the card	Required
cardNumber	masked PAN	Required
expiryDateMonth	month of expiry date	Required
expiryDateYear	year of expiry date	Required

Return 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 is wrong

List of Transaction

Method URL

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

Request Parameters

Parameter	Description	Type
access_token	Unique token generated	Required
merchantID	Merchant account id. Provided by Bancore.	Required
card_id	Card identifier returned in card list request	Required
from_date	Start date for transactions to be extracted	Optional
to_date	End date for transactions to be extracted	Optional
encKey	Encryption key. SHA-256(merchant_id+access_token+card_id+merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
transactions	list of transactions in JSON	Required
total	total amount of operations	Required
result	Success or fail result code	Required

Return 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
60	INVALID_CARD	Invalid card number. Account doesn’t exist For registration, returns if account already exists
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 is wrong

Card to Card Transfer (Own cards)

Method URL

https://kegow.bancore.com/getit/api/mobile/transfer/owncard.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
amount	Amount to be transferred in smallest monetary units (amount*100)	Required
currency	Card currency	Required
sourceCard	Source card id	Required
destinationCard	Destination card id	Required
encKey	Encryption key. SHA- 256 (merchantID + access_token + amount + sourceCard + destinationCard + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
transactionID	Unique identifier of the transaction	Required

Return Codes

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
60	INVALID_CARD	Invalid card number. Account doesn’t exist For registration, returns if account already exists
96	INVALID_AMOUNT	Invalid amount for the operation
97	AMOUNT_TOO_BIG	Amount is too big to be accepted by the destination phone number
100	GENERAL_ERROR	Unknown error. Please try again later
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
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
400	APPLICATION_UPDATE	The application is not available
415	WRONG_TOKEN	Token value is wrong

Transfer to a Mobile Phone Number

Method URL

https://kegow.bancore.com/getit/api/mobile/transfer/othercard.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
amount	Amount to be transferred in smallest monetary units (amount*100)	Required
currency	Card currency	Required
sourceCard	Source card id	Required
destinationPhone	Destination phone number in international format (country code followed by phone number e.g. 45246070605)	Required
encKey	Encryption key. SHA- 256 (merchantID + access_token + amount + sourceCard + destinationPhone + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
transactionID	Unique identifier of the transaction	Required

Return Codes

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
60	INVALID_CARD	Invalid card number. Account doesn’t exist For registration, returns if account already exists
96	INVALID_AMOUNT	Invalid amount for the operation
97	AMOUNT_TOO_BIG	Amount is too big to be accepted by the destination phone number
100	GENERAL_ERROR	Unknown error. Please try again later
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
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
400	APPLICATION_UPDATE	The application is not available
415	WRONG_TOKEN	Token value is wrong

Get Fee for Operation

Method URL

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

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
amount	Amount of the operation	Required
access_token	Unique token generated	Required
currency	Currency of the operation	Required
type	Type of the operation: TRANSFER_VIRTUAL_TO_VIRTUAL, TRANSFER_VIRTUAL_TO_PLASTIC, TRANSFER_PLASTIC_TO_VIRTUAL – card to card transfer TRANSFER_VIRTUAL_TO_VIRTUAL_OTHER_ACCOUNT, TRANSFER_VIRTUAL_TO_PLASTIC_OTHER_ACCOUNT, TRANSFER_PLASTIC_TO_VIRTUAL_OTHER_ACCOUNT, TRANSFER_PLASTIC_TO_PLASTIC_OTHER_ACCOUNT – transfer to a mobile phone number TOPUP_VIRTUAL_BY_VIRTUAL, TOPUP_PLASTIC_BY_VIRTUAL, TOPUP_VIRTUAL_BY_VIRTUAL_NEW (used when card list was returned empty) – voucher redemption QUICK_TELLER_BILL_PAYMENT_BY_PLASTIC QUICK_TELLER_BILL_PAYMENT_BY_VIRTUAL – bill payment operations through Quick Teller BILL_PAYMENT_BY_PLASTIC_TO_VIRTUAL – request money and invoce operations BILL_PAYMENT_BY_VIRTUAL_TO_VIRTUAL	Required
encKey	Encryption key. SHA-256 (merchantID + access_token + amount + type + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
totalAmount	total amount of operation	Required
feeAmount	fee for operation	Required
result	Success or failure result code	Required

Return 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
96	INVALID_AMOUNT	Invalid amount for the operation
100	GENERAL_ERROR	Unknown error. Please try again later
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
300	FEE_NOT_FOUND	Fee value not available
415	WRONG_TOKEN	Token is wrong

Airtime Top up.

Purchase airtime recharge for user phone number. Funds will be loaded to user phone account.

Method URL

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

Request Parameters

Parameter	Description	Type
merchantID	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
operator	Mobile phone operator name (MTN-MTN; ETST-9Mobile; AIRT-AirTel; GLO-GLO; VISAF-Visafone Nigeria; MLINK-MultiLinks; MTNHYNET-MTN Hynet; MTNBBSERV-MTN Blackberry; MTNDSERV-MTN Data; MTNPOSP-MTN Postpaid; ETSTDATA-9Mobile Data; AIRTDATA-Airtel Data; GLODATA-Globacom Data; LCC-LCC Toll)	Required
destinationNumber	Mobile phone number of recipient of airtime in international format (234xxxxxxxxxx)	Required
cardId	Card identifier returned in card list request	Required
amount	Amount in smallest monetary unit	Required
currency	Currency code (e.g NGN)	Required
orderId	Unique identifier of the transaction	Required
encKey	SHA-256(merchantID + destinationNumber + amount + orderID + cardId + access_token + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code in case of successful transaction will be APPROVED = “30”	Required
errorMessage	Description of error returned	Optional
transactionId	Transaction ID of the operation	Required

Parameter

Description

Type

result

Response code in case of successful transaction will be

APPROVED = “30”

Required

errorMessage

Description of error returned

Optional

transactionId

Transaction ID of the operation

Required

Return 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
60	INVALID_CARD	Invalid card number. Account doesn’t exist For registration, returns if account already exists
90	INVALID_ORDER_ID	OrderID must be unique
95	INVALID_MERCHANT_ACCOUNT	Invalid merchant, merchant don’t exist
100	GENERAL_ERROR	Unknown error. Please try again later
415	WRONG_TOKEN	Token is wrong

Get Mobile Operators List

Method URL

https://kegow.bancore.com/getit/api/mobile/airtime/operators.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required

Response Parameters

Parameter	Description	Type
Parameter	Description	Type
result	Success or fail result code	Required
errorMessage	Error description	Optional
operators	List of mobile phone operators is returned e.g. (MTN-MTN; ETST-9Mobile; AIRT-AirTel; GLO-GLO; VISAF-Visafone Nigeria; MLINK-MultiLinks; MTNHYNET-MTN Hynet; MTNBBSERV-MTN Blackberry; MTNDSERV-MTN Data; MTNPOSP-MTN Postpaid; ETSTDATA-9Mobile Data; AIRTDATA-Airtel Data; GLODATA-Globacom Data; LCC-LCC Toll)	Optional

Return 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

Verify Bank Account

Method URL

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

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
bankAccountNumber	Bank account number	Required
bankCode	6 digits code of the bank returned in List of Banks method	Required
encKey	SHA-256(merchant_id + access_token + bankCode + bankAccountNumber + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
accountIdentificationName	Account Information	Required

Return 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
96	INVALID_AMOUNT	Invalid amount for the operation
100	GENERAL_ERROR	Unknown error. Please try again later
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
300	FEE_NOT_FOUND	Fee value not available
412	AMOUNT_ERROR	Amount is wrong
415	WRONG_TOKEN	Token is wrong

Transfer to Bank

Method URL

https://kegow.bancore.com/getit/api/mobile/withdraw/bank.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
sourceCard	Card identifier returned in card list request	Required
amount	Amount in smallest monetary unit	Required
currency	Currency code (e.g NGN)	Required
bankAccountNumber	Bank account number	Required
bankSortCode	6 digits code of the bank returned in List of Banks method	Required
orderID	Unique identifier of the transaction	Required
encKey	SHA-256(merchant_id + access_token + orderID + amount + currency + bankAccountNumber+ bankSortCode + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
errorMessage	Error description	Optional
transactionId	Transaction ID of the operation	Required

Return Codes

Code	Value	Description
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
96	INVALID_AMOUNT	Invalid amount for the operation
100	GENERAL_ERROR	Unknown error. Please try again later
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
300	FEE_NOT_FOUND	Fee value not available
412	AMOUNT_ERROR	Amount is wrong
415	WRONG_TOKEN	Token is wrong

Get List of Banks

Method URL

https://kegow.bancore.com/getit/api/mobile/bank/accounts.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
bankCode	Always set to 1
encKey	SHA-256(merchant_id + access_token + bankCode + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
bank codes	list of bank codes in json	Required

Return 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
415	WRONG_TOKEN	Token is wrong

Issue Gift Card

Method URL

https://kegow.bancore.com/getit/api/mobile/giftcard/create.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
amount	Amount in smallest monetary unit	Required
currency	Currency code (e.g NGN)	Required
sourceCard	Card identifier returned in card list request	Required
destinationPhone	Mobile phone number of recipient of gift card in international format (234xxxxxxxxxx)	Required
deliveryDate	Date when gift card should be delivered	Required
email	Email address of the recipient of gift card	Required
firstName	First name of the recipient of gift card	Required
lastName	Last name of the recipient of gift card	Required
description	Description text that will be sent to the recipient	Required
encKey	Encryption key SHA-256(merchantID + access_token + amount + sourceCard + destinationPhone + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
transactID	Transaction id	Optional

Request Money/Invoice. Create Request/Invoice

Method URL

https://kegow.bacore.com/getit/api/mobile/bill/create.do

Request Parameters

Parameter	Description	Type
requestMoney	ture/false Use “true” if money request is sent Use “false” for invoice to be created	Required
merchant_id	Merchant account id. Provided by Bancore.	Required
descriptions	Purpose of payment	Required
amount	Amount in smallest monetary unit	Required
currency	Currency code (e.g NGN)	Required
receiverPhone	Mobile phone number of recipient of the request in international format (234xxxxxxxxxx)	Required
access_token	Unique token generated	Required
encKey	Encryption key SHA-256(merchant_id+ access_token+ receiverPhone+ currency+ mechantPrivateKey)	Required
receiverAddress	Address of the recipient	Optional
referenceText	Unique text created by user	Optional
referenceNumber	Unique number assigned by user	Optional
senderAddress	Address of the sender	Optional
senderAddress2	Address of the sender	Optional
senderCompanyName	Company name for the invoice	Optional
senderContactPerson	Contact person for the invoice	Optional
senderPostalCode	Postal code for the invoice	Optional
senderCountryCode	Country code for the invoice	Optional
receiverName	Name of the recipient	Optional
VATNumber	VAT Number of the company	Optional
VATPercent	VAT value in percentage	Optional
VATEnabled	true/false	Optional
sendSMS	true/false for SMS notification to be seent to a recipient. The SMS sending has a cost and user’s account will be chanrged	Optional

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
errorText	Error text	Required
billId	ID of the request/invoice	Required

Request Money/Invoice. Pay Request/Invoice

Method URL

https://kegow.bancore.com/getit/api/mobile/bill/pay.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
billId	Id of the request/invoice to be paid	Required
cardId	Id of the card to be used for payment	Required
requestMoney	ture/false Use “true” if money request is sent Use “false” for invoice to be created	Required
encKey	Encryption key SHA-256(merchant_id +access_token+ billId+ cardId+ merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
errorText	Error description	Required
billId	ID of the request/invoice	Required

Request Money/Invoice. Get list of Requests/Invoices

Method URL

https://kegow.bancore.com/getit/api/mobile/bill/list.do

Request Parameters

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

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
errorText	Error description	Optional
bills	Bill paid	Optional

Bill Payment. Get Category.

Method URL

https://kegow.bancore.com/getit/api/mobile/quickteller/getCategories.do

Request Parameters

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

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
categories	json with list of categories will be returned	Required

Bill Payment. Get Billers.

Method URL

https://kegow.bancore.com/getit/api/mobile/quickteller/getBillers.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
category_id	ID of the category selected by user in the first step of Bill Payment process	Required
encKey	Encryption key SHA-256(merchant_id +access_token+ category_id+ merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
billers	json with list of billers for specified category will be returned	Required

Bill Payment. Get Product.

Method URL

https://kegow.bancore.com/getit/api/mobile/quickteller/getProducts.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
biller_id	ID of the biller selected by user in the second step of Bill Payment process	Required
encKey	Encryption key SHA-256(merchant_id+ access_token+ category_id+ merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
products	json with list of products for specified biller will be returned	Required

Bill Payment. Pay Bill.

Method URL

https://kegow.bancore.com/getit/api/mobile/quickteller/pay.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
product_id	Payment code returned under getProducts.do for the product that you need	Required
customer_id	Customer details for the selected product	Required
card_id	ID of the card to be used for payment	Required
amount	Amount to be paid in smallest monetary units	Required
currency	Currency	Required
encKey	Encryption key SHA-256(merchant_id+ access_token+amount+ customer_id+card_id+ merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
responseCode	Response code from the Bill Payment provider	Required
transactionId	Unique identifier of the transaction	Required
transactionDate	Date of the transaction	Required

Card Load.

Method URL

https://kegow.bancore.com/getit/api/mobile/creditcard/redirect.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
orderID	Unique identifier of the transaction	Required
cardID	ID of the card to be used for payment	Required
amount	Amount to be paid in smallest monetary units	Required
currency	Currency	Required
URL	Redirect URL where user will be redirected after successful or failed payment	Required
encKey	Encryption key SHA-256(merchantID+access_token+orderID+ amount+ currency+ url+ cardID+merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
responseCode	In case of failure response code with error code will be returned	Required
In case of success redirect to payment gateway will be performed. Redirect will be performed on Bancore side and needs to be reflected in secure iframe. In case of successful or failed load redirect from payment gateway will be performed to redirect URL provided in the request.

Set Default Card

Method URL

https://kegow.bancore.com/getit/api/mobile/cards/setdefault.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
card_id	ID of the card to be used for payment	Required
encKey	Encryption key SHA-256(merchant_id +card_id+ access_token+ merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
errorMessage	Error description	Required

Sample:

request:

https://kegow.bancore.com/getit/api/mobile/cards/setdefault.do?merchant_id=83&card_id=4738372&access_token=nMQVcZ0&encKey=5e36215a4ec37fe20b6c805628c97bf6aadf77aa9bbd73adaa4d037b1983cf1b

response:

result=30

Return 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
415	WRONG_TOKEN	Token is wrong

Freeze/Activate Card

Method URL

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

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID	Required
encKey	SHA-256(orderID+merchantID+privateKey)	Required
orderID	Customer unique identifier of the transaction	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
errorMessage	Error description	Required

Sample:

request:

https://kegow.bancore.com/getit/api/mobile/freezeThaw.do?merchant_id=83&card_id=4737684&status=FREEZE&access_token=nMQVcZ0&encKey=a4d5b48822324db7045e101f8d29be3d53078c17e4cebe4c542a70815845ff2e

response:

result=30

Return 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
415	WRONG_TOKEN	Token is wrong

Send Message.

Method URL

https://kegow.bancore.com/getit/api/mobile/messages/create.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
name	Name of the recipient	Required
subject	Subject of the the message to be sent	Required
text	Body of the message	Required
sendSms	True or false. Notify user with SMS. There is a charge applied for SMS notification.	Required
encKey	Encryption key SHA-256(merchant_id+ phone+subject+ access_token+ merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required

Sample:

request:

https://kegow.bancore.com/getit/api/mobile/messages/create.do?merchant_id=83&access_token=nMQVcZ0&name=Olga&phone=2347083692513&subject=Test&text=Test&sendSms=false&encKey=9e516185a116d5f6557655153d27a60385788f7165319e5c4e8db52544e4b8ef

response:

result=30

Get List of Messages.

Method URL

https://kegow.bancore.com/getit/api/mobile/messages/list.do

Request Parameters

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

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
messages	List of messages received by user in JSON	Required
errorMessage	Error description	Required

Sample:

request:

https://kegow.bancore.com/getit/api/mobile/messages/list.do?merchant_id=83&access_token=I3UhohZ&encKey=4ae6071daaf319187dd6e46a8b4ef1843ea3dfd3538e9cd20758648daa2ab133

response:

result=30&messages=[{“id”:4743352,”message”:”Tes message”,”subject”:”Hello”,”date”:”Aug 9, 2017 2:49:05 PM”,”type”:”PERSONAL”,”status”:”UNREAD”,”direction”:”INCOME”,”sender”:”2348096871651″,”recipient”:”2347056346804″,”thread”:1941,”main”:false,”spam”:false,”visible”:true}]

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

Cardless ATM Withdrawal

Method URL

https://kegow.bancore.com/getit/api/mobile/atm/withdraw.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
amount	Amount in smallest monetary units	Required
currency	Currency of the operation	Required
sourceCard	Id of the source card	Required
orderID	Unique identifier of the operation	Required
encKey	Encryption key SHA-256(merchant_id+ phone+amount+ currency+ merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required
code	Withdrawal code	Required
pin	Pin code to confirm the withdrawal	Required
error	Error code	Required
checkSum	Checksum	Optional

Return Codes

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
60	INVALID_CARD	Invalid card number. Account doesn’t exist For registration, returns if account already exists
90	INVALID_ORDERID	OrderID must be unique
95	INVALID_MERCHANT_ACCOUNT	Invalid merchant, merchant don’t exist
98	TRANSFER_LIMIT	Transfer limit
100	GENERAL_ERROR	Unknown error. Please try again later
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
116	KYC_PAYMENT_LIMIT	Payment limit is exceeded for KYC level
302	POSSIBLE_FRAUD	Suspicious Activity
415	WRONG_TOKEN	Token value is wrong

Get Account KYC Level

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

result

Success or fail result code

Required

KYC Level

Account KYC Level.
Possible values:

0,1,2 – Bronze
3 – Silver

For checkSUM:

0 – NON_KYC

1 – LIMITED_KYC

2 – BASIC_KYC

3 – FULL_KYC

Required

checkSUM

Encryption key. SHA- 256(accountID + kyc + merchantPrivateKey)

Optional

Return Codes

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
60	INVALID_CARD	Invalid card number. Account doesn’t exist For registration, returns if account already exists
61	CARD_BLOCKED	Card blocked
95	INVALID_MERCHANT_ACCOUNT	Invalid merchant, merchant don’t exist
100	GENERAL_ERROR	Unknown error. Please try again later
101	MOBILE_NUMBER_ERROR	Mobile number is wrong
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
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
400	APPLICATION_UPDATE	The application is not available

Re-send OTP to the user

Method URL

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

Request Parameters

Parameter	Description	Type
merchantID	Merchant account id. Provided by Bancore.	Required
phone	User phone number in international format starting with country code	Required
encKey	SHA256(merchantID + phone + merchantPrivateKey)	Required

Response Parameters

Parameter

Description

Type

result

Response code in case of successful transaction will be

APPROVED = “30”

required

errorMessage

Error message returned in case of an error

optional

Sample:

request:

https://kegow.bancore.com/getit/api/mobile/otp.do?merchantID=87&phone=2347083692514&encKey=07f70c9f256c2c7522ff2faa05b2587eb3ce40c400cfd196e51febde0f47e8df

response:

result=30

Return 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
101	MOBILE_NUMBER_ERROR	Mobile number is wrong

Terms and Conditions Tracking

Method URL

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

Request Parameters

Parameter	Description	Type
Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
encKey	SHA256(merchantID + merchantPrivateKey)	Required

Response Parameters

Parameter

Description

Type

result

Response code in case of successful transaction will be

APPROVED = “30”

required

tocAccepted

Identifies if user has accepted Terms and Conditions

required

tocAcceptedDate

Date when Terms and Conditions were accepted by user

required

Sample:

request:

https://kegow.bancore.com/getit/api/mobile/checkToc.do?merchant_id=87&access_token=epFOCrv&encKey=801430fceba831612be198e4270b1de18bf9d70e186573c561bddf610683afad

response:

result=30&tocAccepted=true&tocAcceptedDate=null

Return 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

Get List of Services per Country

Method URL

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

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
country	Service available in the specific Country.	Required
encKey	Encryption key. SHA-256(merchant_id+merchantPrivateKey)	Required

Response Parameters

Parameter

Description

Type

result

Success or failure result code

Required

services

List of services for the specified country

id – id number of the service
type – directory where service is stored
visible – true or false for hidden service
visibleForCountries – list of countries where service is available
accessForCountries – list of countries where service is open
name – name of the service (please see appendix for detailed list)
url, sortNumber, template, roles – internal system info
kyc – minimum level of KYC needed to use the service

Required

Sample:

request:

https://kegow.bancore.com/getit/api/mobile/withdrawservice.do?access_token=epFOCrv&merchant_id=87&country=Nigeria&encKey=801430fceba831612be198e4270b1de18bf9d70e186573c561bddf610683afad

response:

result=30&services=[{“id”:4739865,”type”:”B2C_SERVICES”,”visible”:true,”visibleForCountries”:[{“country”:”ng”}],”accessForCountries”:[{“country”:”ng”}],”name”:”b2c.customer.console.buttons.giro”,”url”:”/b2c/quickteller/bill/call.do“,”sortNumber”:0,”template”:”u003ca hrefu003du0027{uri}u0027 classu003du0027{class}u0027u003eu003cspan classu003d”icon-menu icon-basket”u003eu003c/spanu003e{name}u003c/au003e”,”roles”:”/b2c/quickteller/bill/call”,”kyc”:”NON_KYC”},{“id”:4739866,”type”:”B2C_SERVICES”,”visible”:true,”visibleForCountries”:[{“country”:”ng”}],”accessForCountries”:[{“country”:”ng”}],”name”:”b2c.giftCard.call”,”url”:”/b2c/giftCard/call.do”,”sortNumber”:0,”template”:”u003ca hrefu003du0027{uri}u0027 classu003du0027{class}u0027u003eu003cspan classu003d”icon-menu icon-bill-forward”u003eu003c/spanu003e{name}u003c/au003e”,”kyc”:”NON_KYC”},{“id”:4710393,”type”:”B2C_SERVICES”,”visible”:true,”visibleForCountries”:[{“country”:”ng”}],”accessForCountries”:[{“country”:”ng”}],”name”:”b2c.withdrawRequest.title”,”url”:”/b2c/withdraw/request/call.do”,”sortNumber”:2,”template”:”u003ca hrefu003du0027{uri}u0027 classu003du0027{class}u0027u003eu003cspan classu003d”icon-menu icon-atm”u003eu003c/spanu003e{name}u003c/au003e”,”roles”:”/b2c/withdraw/request/call”,”kyc”:”NON_KYC”},{“id”:3756411,”type”:”B2C_S]

Return Codes

Parameter	Description	Type
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
101	MOBILE_NUMBER_ERROR	Mobile number is wrong

Get Card Image

Method URL

https://kegow.bancore.com/getit/api/mobile/card/image.do

Request Parameters

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

Response Parameters

Jsp file for customize:

/WEB-INF/pages/card/image/cardImage.jsp

Return 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

Issue a Card.

Method URL

https://kegow.bancore.com/getit/api/mobile/cards/order.do

Request Parameters

Parameter	Description	Type
merchant_id	Merchant account id. Provided by Bancore.	Required
access_token	Unique token generated	Required
sourceCard	ID of the card to be used for payment	Required
amount	Amount to be paid in smallest monetary units	Required
currency	Currency of the card	Required
type	VIRTUAL or PLASTIC
encKey	Encryption key SHA-256(merchant_id+access_token+amount+ sourceCard+merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure	Required
transactionID	Identifier of the transaction	Required

Return Codes

Parameter	Description	Type
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
60	INVALID_CARD	Invalid card number. Account doesn’t exist For registration, returns if account already exists
61	CARD_BLOCKED	Card blocked
95	INVALID_MERCHANT_ACCOUNT	Invalid merchant, merchant don’t exist
100	GENERAL_ERROR	Unknown error. Please try again later
101	MOBILE_NUMBER_ERROR	Mobile number is wrong
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
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
400	APPLICATION_UPDATE	The application is not available
415	WRONG_TOKEN	Token value is wrong

Remaining Load Limit

Method URL

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

Request Parameters

Parameter	Description	Type
merchant_id	Provided merchant id	Required
access_token	Unique identifier of the card	Required
encKey	Encryption key. SHA-256(merchant_id+merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
rest	Remaining amount in smallest monetary units	Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/calculatelimit.do?access_token=AsDVgky&merchant_id=83&encKey=14a2f2c366aba54fb9b70d597c22aa412ec7b3d3c22b579ff248b781ea70bb63

response:

result=30&rest=2610

Return 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
100	GENERAL_ERROR	Unknown error. Please try again later

Possible Return Codes

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
60	INVALID_CARD	Invalid card number. Account doesn’t exist For registration, returns if account already exists
61	CARD_BLOCKED	Card blocked
90	INVALID_ORDERID	OrderID must be unique
95	INVALID_MERCHANT_ACCOUNT	Invalid merchant, merchant don’t exist
100	GENERAL_ERROR	Unknown error. Please try again later
101	MOBILE_NUMBER_ERROR	Mobile number is wrong
102	BLOCKED_MOBILE_NUMBER	Mobile number is blocked
103	PIN_ERROR	PIN code is wrong
113	CARDID_TOKEN_WRONG	Card id differs from account represented by token
116	KYC_PAYMENT_LIMIT	Payment limit is exceeded for KYC level
150	VIRTUALCARD_LIMIT_EXCEEDED	Virtual cards limit is excceeded
151	PLASTICCARD_LIMIT_EXCEEDED	Plastic cards limit is excceeded
200	USER_IP_TRIES_EXCEEDED	Customer has exceeded failed attempts and has been blocked
202	UNEXPECTED_MERCHANT_IP	Merchant IP is unknown
203	DEACTIVE_MERCHANT_ACCOUNT	The merchant account is not active
300	FEE_NOT_FOUND	Fee value not available
400	APPLICATION_UPDATE	The application is not available
415	WRONG_TOKEN	Token value is wrong
420	BANK_TRANSFER_FAILED	Transfer to bank failed

Identity Verification

Value added services

Get A Quote