# Bank Transfer in Nigeria

## Features

| Support Country/Region | **Nigeria** |
| ---------------------- | ----------- |
| processing currency    | NGN         |
| settlement currency    | USD         |
| Minimum transaction amount | 380 NGN |
| Maximum transaction amount | 10,000,000 NGN|
| refund                 | ❌           |
| chargeback             | ❌           |

# **Integration Method**

**Payment method enumeration values:** **`bank_transfer_ng`**

**There is two  integration method for bank transfer in South Africa**

1. Direct API
2. Checkout

## **Direct API** 

[**Create a PaymentIntent**](api-42631218)

***Request*** 

```JSON
{
    "amount": 40000,
    "currency":"NGN",
    "confirm":true,
    "payment_method_data" : {
        "type":"bank_transfer_ng"
    },
    "merchant_order_id":"order123",
    "return_url":"https://yourwebsite.com"
}
```

***Response***

```JSON
{
    "id": "pi_1953741224082931712",
    "object": "payment_intent",
    "created": 1754643181000,
    "livemode": false,
    "currency": "NGN",
    "amount": 40000,
    "status": "requires_action",
    "merchant_order_id": "order123",
    "client_secret": "pi_1953741224082931712_secret_Fpksynf4TE4yuzJec7FkHSF8",
    "next_action": {
        "type": "redirect_to_url",
        "redirect_to_url": {
            "url": "https:/XXXXXXXXXXXXXXXX"
        }
    },
    "payment_method_types": [
        "bank_transfer_ng"
    ],
    "confirmation_method": "automatic",
    "return_url": "https://yourwebsite.com",
    "payment_method": "pm_1953741223881605120",
    "capture_method": "automatic"
}
```

## **Checkout** 

### Payment flow

1. Customer selects pay with bank transfer from the list of payment methods available.


![a7637436-3a5b-4e3c-b7e1-8a7d5a2e488b.png](https://api.apifox.com/api/v1/projects/1296482/resources/553801/image-preview)

2. Customers are redirected to bank page to complete the payment.

 

### Create a seesion

***Request*** [Create a Session](api-42654181)

```Plain
{
    "cancel_url": "https://XXXXX",
    "mode": "payment",
    "success_url": "https://yourwebsite.com",
    "payment_method_types": [
        "bank_transfer_ng"
    ],
    "line_items": [
        {
            "price_data": {
                "currency": "NGN",
                "unit_amount": 100000,
                "nickname": "apple",
                "product_data": {
                    "id": null,
                    "name": "apple",
                    "description": "yummy yummy"
                }
            },
            "quantity": 1
        }
    ]
}
```

***Response***

```JSON
{
    "id": "cs_1953725965800570880",
    "object": "checkout.session",
    "created": 1754639543000,
    "livemode": false,
    "acctId": "517707294131729244161",
    "currency": "NGN",
    "customer": "",
    "mode": "payment",
    "status": "open",
    "url": "https://checkouttest.wooshpay.com/XXXXXXXXXXXXXXXXXXXXX",
    "cancel_url": "https://XXXXX",
    "line_items": {
        "object": "list",
        "data": [
            {
                "id": "li_1953725965804765184",
                "object": "item",
                "currency": "NGN",
                "description": "apple",
                "price": {
                    "id": "price_1953725965804769280",
                    "object": "price",
                    "created": 1754639543000,
                    "livemode": false,
                    "active": true,
                    "currency": "NGN",
                    "nickname": "apple",
                    "product": {
                        "id": "prod_1953725965808959488",
                        "object": "product",
                        "created": 1754639543000,
                        "livemode": false,
                        "active": true,
                        "description": "yummy yummy",
                        "name": "apple",
                        "updated": 1754639543000
                    },
                    "type": "one_time",
                    "unit_amount": 100000,
                    "billing_scheme": "per_unit"
                },
                "quantity": 1,
                "amount_subtotal": 100000,
                "amount_total": 100000
            }
        ]
    },
    "payment_intent": "pi_1953725966270332928",
    "payment_method_types": [
        "bank_transfer_ng"
    ],
    "payment_status": "unpaid",
    "success_url": "https://yourwebsite.com",
    "expires_at": 1754725943377,
    "payment_link": "",
    "client_secret": "pi_1953725966270332928_secret_fnBeBgHgrkOFY9HIxAMr5amk",
    "customer_creation": "if_required"
}
```

# **Next step**

You can add more features to your integration as needed

## Webhook

Listen to events on your WooshPay account so your integration can automatically trigger reactions. Create a webhook that mainly focuses on enabled_events and url.