teamapt-monnify 1.1.1

TeamApt Monnify Python Library

                              MONNIFY PYTHON LIBRARY USER GUIDE
                                        Version 1.1.0

Monnify is one of the products of TeamApt https://www.teamapt.com/ . Monnify empowers businesses in the formal & informal sectors with the right tools & solutions to manage their finances and grow their businesses. Businesses in the formal economy benefit from our payment infrastructure that simplifies how they accept, manage and make payments. While smaller-scale businesses and entrepreneurs benefit from our market-community focused products that give them accessible, affordable and convenient short term working capital.

                              MONNIFY PYTHON LIBRARY USER GUIDE

Before you can start integrating to Monnify, you will need to sign up on Monnify. Click https://app.monnify.com/create-account to sign up. After successful registration, login and for your credentials.

                                          VERSION NOTE

The Previous Version of this library uses Wallet ID. while this Version make use of WALLET ACCOUNT Number. Also, I have add some other functionality to it so smooth integration.

                                        CREDENTIAL NEEDED

1. API KEY
2. SECRET KEY
3. CONTRACT
4. WALLET ID

All this can be seen on the setting area when you login to you logged in.

                                        API ENDPOINT IN THE LIBRARY

1. monnifyCredential

2. verify_account

3. reserve_account

4. add_link_account

5. update_bvn_reserve

6. deallocate_account

7. reserve_account_transactions

8. tranfer

9. authorize_tranfer

10. resend_otp

11. get_transfer_details

12. get_all_single_transfer

13. get_wallet_balance

14. create_invoice

15. initiate_refund

16. get_refund_status

17. create_sub_account

18. get_sub_account

19. update_sub_account

20. delete_sub_account

21. one_time_payment

22. callback(Django/Flask/FastAPI)

                                        HOW TO USE THE LIBRARY
    

To use the library, we have to use package installer (pip) by running: pip install teamapt-monnify

After successfull installation, we can now use the package in our development by importing it in our script

        from monnify.monnify import MonnifyCredential, Monnify

        reserve = Monnify()

        api_key = "MK_TEST_8UBXGKXXXXXXXX"
        secret_key = "ENRC4FDYYYETKA53YPXBFXXXXXXXX"
        contractCode = '29176XXXX'
        WalletAccountNo = '226925XXXXX'

        merchant_credential = MonnifyCredential(api_key, secret_key, contractCode, WalletAccountNo, is_live=False)

NOTE: If you are in sandbox, set is_live = False and can only be set to True when you are in production and make sure you change credentials to live credentials

1. VERIFY BANK ACCOUNT - This allows you check if an account number is a valid NUBAN, get the account name if valid.

        bank = monnify.verify_account(
          merchant_credential, 
          accountNumber='2213324087', 
          bankCode='057'
          )
        print(bank)
   
        {
          'requestSuccessful': True, 
          'responseMessage': 'success', 
          'responseCode': '0', 
          'responseBody': {
            'accountNumber': '2213324087', 
            'accountName': 'SAMSON   ILEMOBAYO', 
            'bankCode': '057'
          }
        }
   

2. INVOICE - Monnify invoicing allows you generate invoices via APIs. For each invoice, a virtual account number will be generated and tied to that invoice so your customers can simply transfer to that account number to pay

        create_invoice = monnify.create_invoice(
          merchant_credential, 
          amount='1000', 
          invoiceReference='uueyyws', 
          description='test invoice', 
          customerEmail='[e-mail]', 
          customerName='Samson', 
          expiryDate='2021-04-30 12:00:00', 
          paymentMethods=['CARD', 'ACCOUNT_TRANSFER'], 
          redirectUrl='http://abc.com'
          )
        print(create_invoice)
   
        {
          'requestSuccessful': True, 
          'responseMessage': 'success', 
          'responseCode': '0', 
          'responseBody': {
            'amount': 1000, 
            'invoiceReference': 'uueyyws', 
            'invoiceStatus': 'PENDING', 
            'description': 'test invoice', 
            'contractCode': '2917634883', 
            'customerEmail': '[e-mail]', 
            'customerName': 'Samson', 
            'expiryDate': '2021-04-30 12:00:00', 
            'createdBy': 'MK_TEST_8UBXGKTFSB', 
            'createdOn': '2021-04-14 15:18:31', 
            'checkoutUrl': 'https://sandbox.sdk.monnify.com/checkout/MNFY|63|20210414151813|000197', 
            'accountNumber': '3000041788', 
            'accountName': 'tes', 
            'bankName': 'Wema bank', 
            'bankCode': '035', 
            'redirectUrl': 'http://abc.com'
          }
        }
   

3. RESERVE ACCOUNT - Reserved account APIs enable merchants create accounts that can be dedicated to each of their customers. Once any payment is done to that account, we notify your webhook with the payment information

        reserve_account = monnify.reserve_account(
          token, 
          merchant_credential, 
          accountReference='tw663552ppw', 
          accountName='Test Account', 
          customerEmail='[e-mail]', 
          customerName="Test Account", 
          customerBvn='66377273233', 
          availableBank=True
          )
        print(reserve_account)
   
        {
          'requestSuccessful': True, 
          'responseMessage': 'success', 
          'responseCode': '0', 
          'responseBody': {
            'contractCode': '2917634883', 
            'accountReference': 'tw663552ppw', 
            'accountName': 'Tes', 
            'currencyCode': 'NGN', 
            'customerEmail': 
            '[e-mail]', 
            'customerName': 'Test Account', 
            'accountNumber': '3000041799', 
            'bankName': 'Wema bank', 
            'bankCode': '035', 
            'collectionChannel': 'RESERVED_ACCOUNT', 
            'reservationReference': 'CHVQBNP3DRTGU6CZFXQW', 
            'reservedAccountType': 'GENERAL', 
            'status': 'ACTIVE', 
            'createdOn': '2021-04-14 15:29:51.976', 
            'incomeSplitConfig': [], 
            'bvn': '66377273233', 
            'restrictPaymentSource': False
          }
        }
   

NOTE: When the availableBank is set to True,random account number between their partner banks will be reserved and assigned to your customer. if you want to reserve your choice of bank e.g WEMA, you have to set the availableBank to the code of the bank you wish to reserve i.e availableBank='035'. available partner bank codes are (Rolez MFB = 50515, Wema Bank = 035, Sterling Bank = 232)

4. ADD LINK ACCOUNT - This API allows you to add accounts with another partner bank and link to an existing customer with the customer's account reference.

        link_account = monnify.add_link_account( 
          merchant_credential, 
          accountReference='tw663552', 
          getAllAvailableBanks=True, 
          preferredBanks=['035']
          )
        print(link_account)
   
        {
          "requestSuccessful": true,
          "responseMessage": "success",
          "responseCode": "0",
          "responseBody": {
              "contractCode": "915483727511",
              "accountReference": "121615386005862",
              "accountName": "reservedAccountName",
              "currencyCode": "NGN",
              "customerEmail": "[e-mail]",
              "customerName": "Pascool",
              "accounts": [
                  {
                    "bankCode": "035",
                    "bankName": "WEMA Bank",
                    "accountNumber": "XXXX123456"
                  },
                  {
                    "bankCode": "50515",
                    "bankName": "ROLEZ MFB",
                    "accountNumber": "XXXX123456"
                  },
                  {
                    "bankCode": "123",
                    "bankName": "Bank 3",
                    "accountNumber": "XXXX123456"
                  }
              ],
              "collectionChannel": "RESERVED_ACCOUNT",
              "reservationReference": "8MHKXZS8GCEPVXB59ML6",
              "reservedAccountType": "GENERAL",
              "status": "ACTIVE",
              "createdOn": "2021-03-10 15:20:07.0",
              "restrictPaymentSource": false
          }
        }
   

NOTE: If getAllAvailableBanks is set to true, then an account with all available banks not yet linked will be added. Set getAllAvailableBanks to false if you want to specify preferred banks to reserve accounts with. set to true if you want to add all other available partner bank accounts to your reserved account.

5. UPDATE BVN FOR RESERVE ACCOUNT - This Function is used to update a customer's BVN mapped to a Reserved Account.

        update_bvn = monnify.update_bvn_reserve( 
          merchant_credential, 
          bvn='66377283884', 
          accountReference='635525663623'
          )
        print(update_bvn)
   
        {
          "requestSuccessful": true,
          "responseMessage": "success",
          "responseCode": "0",
          "responseBody": {
            "contractCode": "2917634883",
            "accountReference": "635525663623",
            "currencyCode": "NGN",
            "customerEmail": "[e-mail]",
            "customerName": "Test Oj",
            "accountNumber": "4290733572",
            "bankName": "Wema Bank",
            "bankCode": "035",
            "collectionChannel": "RESERVED_ACCOUNT",
            "reservationReference": "R8J4LCW3P82WN4X6LQCW",
            "reservedAccountType": "GENERAL",
            "status": "ACTIVE",
            "createdOn": "2021-02-01 21:40:55.0",
            "bvn": "66377283884",
            "restrictPaymentSource": false
          }
       }
   

6. DEALLOCATE RESERVE ACCOUNT: This Endpoint is used to deallocate/delete reserved account.

        delete_account = monnify.deallocate_account( 
          merchant_credential, 
          accountNumber='300004XXXX'
          )
        print(delete_account)
   
   
        {
          "requestSuccessful": true,
          "responseMessage": "success",
          "responseCode": "0",
          "responseBody": {
              "contractCode": "797854529434",
              "accountReference": "reference12345#",
              "accountName": "Test Reserved Account",
              "currencyCode": "NGN",
              "customerEmail": "[e-mail]",
              "accountNumber": "3000041799",
              "bankName": "Wema bank",
              "bankCode": "035",
              "reservationReference": "NRF72EMEBCGNN6WUKD35",
              "status": "ACTIVE",
              "createdOn": "2021-04-14 17:05:50.0"
            }
        }
   

NOTE: Kindly note that any Account deallocated/delete can not be reversed.

7. TRANSFER: This is use to initiate transfer to bank.

        transfer = monnify.tranfer(
          merchant_credential, 
          amount='1000', 
          reference='66635525', 
          narration='Test Transfer', 
          bankCode='044', 
          accountNumber='0020657659'
          )
        print(transfer)
   
   
        {
          "amount": 1000,
          "reference":"66635525",
          "narration":"Test Transfer",
          "destinationBankCode": "044",
          "destinationAccountNumber": "0020657659",
          "currency": "NGN",
          "sourceAccountNumber": "9624937372"
        }
   

NOTE: If you have 2FA activated on your Account, you will need to call authorize transfer endpoint to authorize the transaction before it can be successfull.

8. AUTHORIZE TRANSFER: To authorize a transfer, you will need to call the following function. once the transaction is initiated, a mail will be sent to the merchante registered email containing the OTP which the merchant can now use to authorize the transaction by calling this endpoint and pass in the OTP and transaction ref No. If the merchant did not have Two Factor Authentication (2FA) enabled, there is no need to use this endpoint.

        authorize = monnify.authorize_tranfer(
          merchant_credential, 
          reference='66635525', 
          authorizationCode='725006'
          )
        print(authorize)
   
   
        {
          "requestSuccessful": true,
          "responseMessage": "success",
          "responseCode": "0",
          "responseBody": {
              "amount": 10,
              "reference": "66635525",
              "status": "SUCCESS",
              "dateCreated": "15/04/2021 09:34:32 PM"
            }
        }
   

9. RESEND OTP: This function can be used to resend OTP if 2FA is enable for transfer

        resendOtp = monnify.resend_otp(
          merchant_credential, 
          reference='66635525'
          )
        print(resendOtp)
   
        {
          "requestSuccessful": true,
          "responseMessage": "success",
          "responseCode": "0",
          "responseBody": {
            "message": "Authorization code will be processed and sent to predefined email addresses(s)"
          }
        }
   

10. GET TRANSFER DETAILS: It's advisable to verify the status of your transaction before awarding value. this will allow you to be sure that transaction is successful or not. To get the details of a single transfer, you will need to call the endpoint below:

        get_transfer = monnify.get_transfer_details(
          merchant_credential, 
          reference='66635525'
          )
        print(get_transfer)
    
        {
          "requestSuccessful": true,
          "responseMessage": "success",
          "responseCode": "0",
          "responseBody": {
            "amount": 1000.00,
            "reference": "66635525",
            "narration": "Test Payment",
            "currency": "NGN",
            "fee": 20.00,
            "twoFaEnabled": false,
            "status": "SUCCESS",
            "transactionDescription": "Approved or completed successfully",
            "transactionReference": "MFDS2020080523"
            "destinationBankCode": "058",
            "destinationAccountNumber": "0111946768",
            "destinationAccountName": "MEKILIUWA, SMART CHINONSO",
            "destinationBankName": "GTBank",
            "createdOn": "15/04/2021 09:34:32 PM"
          }
        }
    

11. GET ALL SINGLE TRANSFER

        get_all_single = monnify.get_all_single_transfer(
          merchant_credential, 
          pageSize=5, 
          pageNo=1
          )
        print(get_all_single)
    
    
        {
          'requestSuccessful': True, 
          'responseMessage': 'success', 
          'responseCode': '0', 
          'responseBody': {
            'content': [
              {
                'amount': 40.0, 
                'reference': 'TX634636', 
                'narration': 'USSD', 
                'bankCode': '044', 
                'accountNumber': '0020903879', 
                'currency': 'NGN', 
                'accountName': 'TEST ACCOUNT', 
                'bankName': 'Access bank', 
                'fee': 35.0, 
                'twoFaEnabled': False, 
                'status': 'SUCCESS', 
                'walletId': '654CAB266255344760A659C787B2AA38E8', 
                'transactionDescription': 'Success', 
                'transactionReference': 'MFDS|20210310150110|000037', 
                'createdOn': '2021-03-10T14:01:10.000+0000'
              }, 
              {
                'amount': 1000.0, 
                'reference': 'TX673137', 
                'narration': 'USSD', 
                'bankCode': '044', 
                'accountNumber': '0020903879', 
                'currency': 'NGN', 
                'accountName': 'TEST ACCOUNT', 
                'bankName': 'Access bank', 
                'fee': 35.0, 
                'twoFaEnabled': False, 
                'status': 'SUCCESS', 
                'walletId': '654CAB266255344760A659C787B2AA38E8', 
                'transactionDescription': 'Success', 
                'transactionReference': 'MFDS|20210225043544|000069', 
                'createdOn': '2021-02-25T03:35:45.000+0000'
                }, 
                
                  
            ], 
            'pageable': {
                      'sort': {
                        'sorted': True, 
                        'unsorted': False, 
                        'empty': False}, 
                        'pageSize': 5, 
                        'pageNumber': 1, 
                        'offset': 5, 
                        'paged': True, 
                        'unpaged': False
                      }, 
                      'totalElements': 113, 
                      'totalPages': 23, 
                      'last': False, 
                      'sort': {
                        'sorted': True, 
                        'unsorted': False, 
                        'empty': False
                      }, 
                      'first': False, 
                      'numberOfElements': 5, 
                      'size': 5, 
                      'number': 1, 
                      'empty': False
                  }
        }
    

12. GET WALLET BALANCE: This allows you to get the available balance in your monnify wallet.

          walletBal = monnify.get_wallet_balance(merchant_credential)
          print(walletBal)
    
          {
            "requestSuccessful": true,
            "responseMessage": "success",
            "responseCode": "0",
            "responseBody": {
              "availableBalance": 378.93,
              "ledgerBalance": 378.93
            }
          }
    

13. INITIATE REFUND: This function enables you process refund to a customer for a transaction.

            refund_money = monnify.initiate_refund( 
              merchant_credential, 
              refundReference='6637whhhwe', 
              transactionReference='MNFY|63|20210413134205|000113', 
              refundAmount='1000.0', 
              refundReason='Order cancelled!', 
              customerNote='Canceled', 
              destinationAccountNumber='2211XXXXXX', 
              destinationAccountBankCode='057'
              )
    
            print(refund_money)
    
    
            {
              "requestSuccessful": true,
              "responseMessage": "success",
              "responseCode": "0",
              "responseBody": {
                "transactionReference": "MNFY|63|20210413134205|000113",
                "paymentReference":"J_12312_122",
                "transactionAmount": 5000,
                "refundAmount": 1200,
                "refundStatus": "IN_PROGRESS",
                "refundReason": "Order was cancelled",
                "customerNote": "Refund for order J1110",
                "refundType": "FULL_REFUND",
                "createdOn": "15/12/2020 09:38:13 AM",
                "completedOn": "15/12/2020 12:20:23 PM",
                "comment": "Refund processed successfully."
              }
            }
    

14. GET REFUND STATUS: This function can be used to get status of an initiated refund.

            get_refund_status = monnify.get_refund_status(
              merchant_credential, 
              transactionReference='MNFY|63|20210413134205|000113'
              )
            print(get_refund_status)
    
    
            {
              "requestSuccessful": true,
              "responseMessage": "success",
              "responseCode": "0",
              "responseBody": {
                "transactionReference": "MNFY|63|20210413134205|000113",
                "paymentReference":"J_12312_122",
                "transactionAmount": 5000,
                "refundAmount": 1200,
                "refundStatus": "IN_PROGRESS",
                "refundReason": "Order was cancelled",
                "customerNote": "Refund for order J1110",
                "refundType": "FULL_REFUND",
                "createdOn": "15/12/2020 09:38:13 AM",
                "completedOn": "15/12/2020 12:20:23 PM",
                "comment": "Refund processed successfully."
              }
            }
    

15. CREATE SUB-ACCOUNT: Creates a sub account for a merchant. Allowing the merchant split transaction settlement between the main account and one or more sub account(s)

          create_sub_account = monnify.create_sub_account(
            merchant_credential, 
            bankCode='044', 
            accountNumber='0020677362', 
            email='[e-mail]', 
            splitPercentage='20'
            )
          print(create_sub_account)
    
    
          {
            "requestSuccessful": true,
            "responseMessage": "success",
            "responseCode": "0",
            "responseBody": [
                {
                    "subAccountCode": "MFY_SUB_319452883328",
                    "accountNumber": "0123456789",
                    "accountName": "JOHN, DOE SNOW",
                    "currencyCode": "NGN",
                    "email": "[e-mail]",
                    "bankCode": "058",
                    "bankName": "GTBank",
                    "defaultSplitPercentage": 20
                }
              ]
          }
    

16. DELETE SUB-ACCOUNT: Deletes a merchant's sub account.

        delete_sub_account = monnify.delete_sub_account(
          merchant_credential, 
          subAccountCode='MFY_SUB_248731941563'
          )
        print(delete_sub_account)
    
        {
          "requestSuccessful": true,
          "responseMessage": "success",
          "responseCode": "0"
        }
    

17. GET ALL SUB-ACCOUNTS: Returns a list of sub accounts previously created by the merchant.

        get_sub_account = monnify.get_sub_account(merchant_credential)
        print(get_sub_account)
    
    
        {
            "requestSuccessful": true,
            "responseMessage": "success",
            "responseCode": "0",
            "responseBody": [
                {
                    "subAccountCode": "MFY_SUB_319452883219",
                    "accountNumber": "0123456789",
                    "accountName": "JOHN, DOE SNOW",
                    "currencyCode": "NGN",
                    "email": "[e-mail]",
                    "bankCode": "058",
                    "bankName": "GTBank",
                    "defaultSplitPercentage": 20.00
                },
                {
                    "subAccountCode": "MFY_SUB_8838656722391",
                    "accountNumber": "9876543210",
                    "accountName": "JANE, DOE SNOW",
                    "currencyCode": "NGN",
                    "email": "[e-mail]",
                    "bankCode": "057",
                    "bankName": "Zenith bank",
                    "defaultSplitPercentage": 20.00=
                }
            ]
        }
    

18. UPDATE SUB-ACCOUNT: Updates the information on an existing sub account for a merchant.

         update_sub_account = monnify.update_sub_account(
           merchant_credential, 
           subAccountCode='MFY_SUB_248731941563', 
           bankCode='057', accountNumber='2211333471', 
           email='[e-mail]', 
           splitPercentage='23'
           )
        print(update_sub_account)
    
    
        {
            "requestSuccessful": true,
            "responseMessage": "success",
            "responseCode": "0",
            "responseBody": [
                {
                    "subAccountCode": "MFY_SUB_319452883328",
                    "accountNumber": "0123456789",
                    "accountName": "JOHN, DOE SNOW",
                    "currencyCode": "NGN",
                    "email": "[e-mail]",
                    "bankCode": "058",
                    "bankName": "GTBank",
                    "defaultSplitPercentage": 20
                }
            ]
        }
    

19. ONE TIME PAYMENT: Allows you initialize a transaction on Monnify and returns a checkout URL which you can load within a browser to display the payment form to your customer.

          one_time_payment = monnify.one_time_payment(
            merchant_credential, 
            amount='1000', 
            customerName='Test Payment', 
            customerEmail='[e-mail]', 
            paymentReference='77uuuwyyq', 
            paymentDescription='Test Payment', 
            redirectUrl='http://test.com', 
            paymentMethods=['ACCOUNT_TRANSFER', 'CARD']
            )
          print(one_time_payment)
    
    
          {
            "amount": 1000.00,
            "customerName": "Test Payment",
            "customerEmail": "[e-mail]",
            "paymentReference": "77uuuwyyq",
            "paymentDescription": "Test Payment",
            "currencyCode": "NGN",
            "contractCode":"32904827738",
            "redirectUrl": "http://test.com",
            "paymentMethods":["CARD","ACCOUNT_TRANSFER"]
          }
    

NOTE: If paymentMethods is set to CARD, Your customer can only use card for payment and if set to ACCOUNT_TRANSFER, it will only accept Acoount Transfer as the only mode of payment. If both is set, the customer will be able to use both CARD and TRANSFER to make payment.

20. GET RESERVE ACCOUNT TRANSACTIONS: You can get a paginated list of transactions processed to a reserved account by calling the endpoint below and by specifying the accountReference as a query parameter. You can also specify the page number and size (number of transactions) you want returned per page.

            alltrans = monnify.reserve_account_transactions( 
              merchant_credential, 
              accountReference='7737762h', 
              page=0, size=10)
            print(alltrans)
    
            {
              "requestSuccessful": true,
              "responseMessage": "success",
              "responseCode": "0",
              "responseBody": {
                  "content": [
                      {
                          "customerDTO": {
                              "email": "[e-mail]",
                              "name": "Test Reserved Account",
                              "merchantCode": "ALJKHDALASD"
                          },
                          "providerAmount": 0.21,
                          "paymentMethod": "ACCOUNT_TRANSFER",
                          "createdOn": "2019-07-24T14:12:27.000+0000",
                          "amount": 100.00,
                          "flagged": false,
                          "providerCode": "98271",
                          "fee": 0.79,
                          "currencyCode": "NGN",
                          "completedOn": "2019-07-24T14:12:28.000+0000",
                          "paymentDescription": "Test Reserved Account",
                          "paymentStatus": "PAID",
                          "transactionReference": "MNFY|20190724141227|003374",
                          "paymentReference": "MNFY|20190724141227|003374",
                          "merchantCode": "ALJKHDALASD",
                          "merchantName": "Test Limited"
                          "payableAmount": 100.00,
                          "amountPaid": 100.00,
                          "completed": true
                      }
                  ],
                  "pageable": {
                      "sort": {
                          "sorted": true,
                          "unsorted": false,
                          "empty": false
                      },
                      "pageSize": 10,
                      "pageNumber": 0,
                      "offset": 0,
                      "unpaged": false,
                      "paged": true
                  },
                  "totalElements": 2,
                  "totalPages": 1,
                  "last": true,
                  "sort": {
                      "sorted": true,
                      "unsorted": false,
                      "empty": false
                  },
                  "first": true,
                  "numberOfElements": 2,
                  "size": 10,
                  "number": 0,
                  "empty": false
              }
          }
    

These are the endpoint for casual transactions and some of endnpoint are yet to developed which i will included in next version. i will also be including some new enhancement to the library for smooth financial transactions.

21. CALLBACK: This endpoint allow merchant to recieve every successful or fail transaction payload that happen on the merchant platform in realtime. To use this, merchant need to add callback url to his dashboard and follow the below process.

            FOR DJANGO and FLASK
    
    
            def callback(request):
                body = monnify.webhook(request)
    
                ''''''''''''
                Do Something with the body.........
                ''''''''''''
                return body
    
            Set your url path to call the function. If you print the body, you will get the below response for every successful transaction
    
    
            { 
                "transactionReference" : "MNFY|20200900003149|000000", 
                "paymentReference" : "MNFY|20200900003149|000000", 
                "amountPaid" : "180000.00", 
                "totalPayable" : "180000.00", 
                "settlementAmount" : "179989.25", 
                "paidOn" : "09/09/2020 11:31:56 AM", 
                "paymentStatus" : "PAID", 
                "paymentDescription" : "Ojinaka Daniel", 
                "transactionHash" : "a294a0bfxxxxxxxxxxxxxxxxxxxx0b399cf077e30cf2ad54a7da9e17583deb5130286e6bb5dxxxx353f027725b83fcafac02d2e181f53edd5f", 
                "currency" : "NGN", 
                "paymentMethod" : "ACCOUNT_TRANSFER", 
                "product" : { 
                        "type" : "RESERVED_ACCOUNT", 
                        "reference" : "7b3xxxx072a44axxxxxxx2b6c2374458" 
    	              }, 
                "cardDetails" : null, 
                "accountDetails" : { 
                    "accountName" : "John Ciroma Abuh", 
                    "accountNumber" : "******4872", 
                    "bankCode" : "000015", 
                    "amountPaid" : "180000.00" 
    	            }, 
              "accountPayments" : [ { 
                        "accountName" : "John Ciroma Abuh", 
                        "accountNumber" : "******4872", 
                        "bankCode" : "000015", 
                        "amountPaid" : "180000.00" 
    	              } ], 
                "customer" : { 
                        "email" : "[e-mail]", 
                        "name" : "Daniel Ojinaka" 
    	              }, 
                "metaData" : { } 
            }
    

NOTE: This endpoint is tested with Django and Flask.