# API Reference

# Getting Started

NOTE

You need a Merchant ID and Key to authenticate against the API, use the following credentials below for a demo account.

# Test Accounts

Test API Credentials
Merchant ID: GP0000001
Merchant Key: 123456789
Endpoint: https://demo.api.glade.ng/{method}

# Live Accounts

To get your live credentials Register Here (opens new window). Your API Credentials are in Merchant Credentials on the dashboard. Endpoint: https://api.glade.ng/{method}

# Making Requests

You can make PUT requests to the API for both payments collections and funds disbursement, the methods to call are:

Payments Collection: payment
Money Transfer: disburse
Resource: resources

# Authenticating Request

Pass the following with the header request made to the
mid: 'Your Merchant Id'
key: 'Your Merchant Key'

Both mid and key can be gotten from the dashboard page under settings > apikeys

CURL PHP

curl --request PUT \
      --url https://demo.api.glade.ng/payment \
      --header 'content-type: application/json' \
      --header 'key: Your Merchant Key' \
      --header 'mid: Your Merchant ID' \
      --data '{}'

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  $curl = curl_init();
      curl_setopt_array($curl, array(
        CURLOPT_URL => "https://demo.api.glade.ng/payment",
        CURLOPT_RETURNTRANSFER => true,
        CURLOPT_ENCODING => "",
        CURLOPT_MAXREDIRS => 10,
        CURLOPT_TIMEOUT => 30,
        CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
        CURLOPT_CUSTOMREQUEST => "PUT",
        CURLOPT_POSTFIELDS => "{}",
        CURLOPT_HTTPHEADER => array(
          "key: Your Merchant Key",
          "mid: Your Merchant ID"
        ),
        ));
        $response = curl_exec($curl);
        $err = curl_error($curl);
        curl_close($curl);
        if ($err) {
        echo "cURL Error #:" . $err;
        } else {
        echo $response;
        }

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# Payment Collections

Endpoint: https://demo.api.glade.ng/payment (opens new window)

Payments collection has action property which is used to specify what API call is to be made.

payment action

# With Card Payment:

Card payment requires Two Steps the first is to call the charge URL to get the authentication suggestion after which the charge URL is called the second time with the auth_type parameter to specify the suggested_auth required by the payment gateway.

# Step 1

{
  "action":"initiate",
  "paymentType":"card",
  "user": {
      "firstname":"John",
      "lastname":"Doe",
      "email":"hello@example.com",
      "ip":"192.168.33.10",
      "fingerprint": "cccvxbxbxb"
  },
  "card":{
      "card_no":"5438898014560229",
      "expiry_month":"09",
      "expiry_year":"19",
      "ccv":"789",
      "pin":"3310"
  },
  "amount":"10000",
  "country": "NG",
  "currency": "NGN",
}

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Parameter Description

Parameter	Required	Description
action	required	Instruct the API to determine the model of authorizing
paymentType	required	Specifies the type of payment method as `card`
user	optional	To gain insight and easily keep tracks of your users
card	required	phone number that will be used to complete payment
amount	required	this the amount that user will be charged
country	optional	The country you wish to charge the user defaults to `NG` when not specified
currency	optional	The currency you want to charge the user defaults to `NGN` when not specified
customer_txnref	optional	You can pass your order reference to which you can use at a later time to query transactions
redirect_url	optional	The `redirect_url` is required when

The response from step 1 will contain information on what step is required for Step 2

Response

{"status":202,"txnRef":"GP8720656L","apply_auth":"PIN"}

# Recurrent Payments

The recurrent payment enables you to charge customers to account for subscription-based services or products.

Recurrent payment is only enabled on cards transactions.

{
  "action":"initiate",
  "paymentType":"card",
  "user": {
      "firstname":"John",
      "lastname":"Doe",
      "email":"hello@example.com",
      "ip":"192.168.33.10",
      "fingerprint": "cccvxbxbxb"
  },
  "card":{
      "card_no":"5438898014560229",
      "expiry_month":"09",
      "expiry_year":"19",
      "ccv":"789",
      "pin":"3310"
  },
  "amount":"10000",
  "country": "NG",
  "currency": "NGN",
  "recurrent": {
      "frequency" : "daily | weekly | monthly",
      "value" : "00 | 1 | 30"
  },
  "is_recurring": true
}

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Parameter Description

These parameters are only required when you want to provide recurrent based services to your customers. The recurrent parameter allows you to schedule how you want the transactions to be charged by the system.

When a transaction is completed a token is returned which can be used to charge the customers account subsequently.

Parameter	Required	Description
recurrent	optional	Array which holds the config of the recurrent setup
frequency	optional	There are 3 types of frequency when you want the customer to be charged. They are `daily`, `weekly`, `monthly`
value	optional	The value is to determine when the next charge should occur. When the frequency is set to `daily` values that can be used is `00` - `23` which stands for the each of the days. `weekly` frequency values are `1` - `7` representing the days of the week and `monthly` frequency values from `1` to `30`
is_recurring	required	The `is_recurring` field default value is `false`, setting it to `true` will make the transaction recurrent and will generate a token which can charge the card at the required time.

Response

{
    "status": 202,
    "txnRef": "GP65512582720190606E",
    "apply_auth": "PIN"
}

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When calling the charge action pass the value of apply_auth to the auth_type in your request. When apply_auth value is as OTP call the validation action next.

# Installmental Payments

{
  "action":"initiate",
  "paymentType":"card",
  "user": {
      "firstname":"John",
      "lastname":"Doe",
      "email":"hello@example.com",
      "ip":"192.168.33.10",
      "fingerprint": "cccvxbxbxb"
  },
  "card":{
      "card_no":"5438898014560229",
      "expiry_month":"09",
      "expiry_year":"19",
      "ccv":"789",
      "pin":"3310"
  },
  "amount":"10000",
  "country": "NG",
  "currency": "NGN",
  "installment": {
      "payment_schedule" : {
          "31-11-2017" : 20,
          "31-12-2017" : 30,
          "30-01-2017" : 50
      },
      "total":"100000"
  }
}

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# Step 2

{
  "action":"charge",
  "paymentType":"card",
  "user": {
      "firstname":"John",
      "lastname":"Doe",
      "email":"hello@example.com",
      "ip":"192.168.33.10",
      "fingerprint": "cccvxbxbxb"
  },
  "card":{
      "card_no":"5438898014560229",
      "expiry_month":"09",
      "expiry_year":"19",
      "ccv":"789",
      "pin":"3310"
  },
  "amount":"10000",
  "country": "NG",
  "currency": "NGN",
  "txnRef":"GP8720656L",
  "auth_type":"PIN"
}

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Parameter Description

Parameter	Required	Description
action	required	Instruct the API to charge the customers card
paymentType	required	Specifies the type of payment method as `card`
user	optional	To gain insight and easily keep tracks of your users
card	required	phone number that will be used to complete payment
amount	required	this the amount that user will be charged
country	optional	The country you wish to charge the user defaults to `NG` when not specified
currency	optional	The currency you want to charge the user defaults to `NGN` when not specified
customer_txnref	optional	You can pass your order reference to which you can use at a later time to query transactions
redirect_url	optional	The `redirect_url` is required when `apply_auth` value received from the initiate `action` need to completed in a browser

# Payment with Token

Payment with Token:

{
  "action":"charge",
  "paymentType":"token",
  "token":"01fae68d805957cc24697c990961a130",
  "user": {
      "firstname":"John",
      "lastname":"Doe",
      "email":"hello@example.com",
      "ip":"192.168.33.10",
      "fingerprint": "cccvxbxbxb"
  },
  "amount":"10000"
}

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The response is as follows: When Charge is completed.

{"status":200,"txnStatus":"successful","cardToken":"kfm4gxt4","bank_message":"Approved","fullname":"Gladepay Customer","email":"john@example.com","txnRef":"GPP80921142520190522Z","chargedAmount":"500.00","fraudStatus":"ok","card":{"hash":"654f22fb8ae1a5dec7efc3a39e237c38","mask":"546334XXXXXXXX3155","bin":"546334","brand":"MASTERCARD","type":"","issuer":"","country":"NG"},"currency":"NGN","payment_method":"card","message":"Successful Transaction"}

NOTE

There are two types of validation required

# First Validation

when OTP validation is required:

{
  "status":202, 
  "txnRef":"GP983340165W",
  "fraudStatus":"ok"
}

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# validate `action`

This is used for OTP Validation

{
  "action":"validate",
  "txnRef":"GP1507382986",
  "otp":"123456"
}

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TIP

Use 123456 as OTP

# Second Validation Type

When 3DSECURE validation is required: an authURL is returned with the validation response, you can then load the authURL directly into the browser or iframe to redirect the user to their bank for verifications

{
  "status":202, 
  "txnRef":"GP983340165W",
  "authURL":"https://link.glade.ng/1g477sy",
  "fraudStatus":"ok"
}

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Response

{"status":200,"message":"Validation Successful","cardToken":"6tj663dh"}

TIP

cardToken is the token code for saved card's.

# `verify` action

Endpoint: https://demo.api.glade.ng/payment (opens new window) This is used to requery a payment

{
  "action":"verify",
  "txnRef":"GP1507382986"
}

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You can also verify transactions using customer_txnref if it was passed as a parameter in the configuration for initiating the payment.

{
  "action":"verify",
  "customer_txnref":"1508261817382986"
}

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Response is:

  {"status":200, "txnStatus":"successful", "chargedAmount":10000, "fraudStatus":"ok"}

NOTE

txnStatus determines the status of the transaction if it is successful, failed or pending

# `refund` action

Endpoint: https://demo.api.glade.ng/payment (opens new window) This is used to refund a card payment

{
    "action":"refund",
    "txnRef":"GP699885018R",
    "amount": 100,
    "comment": "Reason for refund"
}

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# Test Cards

Brand	PAN
Mastercard	5221 8424 2698 7779
Visa	4372 0744 0956 5881
American Express	3456 7890 1234 564
Verve	5000 0000 0000 0000 005

Expiry Date

Use any date in the future

CVV	Authentication Type
000	OTP
100	PIN
200	3DSecure

# With Account Payments

This is the sample payload to request for payment using a bank account

{
  "action":"charge",
  "paymentType":"account",
  "user": {
      "firstname":"John",
      "lastname":"Doe",
      "email":"hello@example.com",
      "ip":"192.168.33.10",
      "fingerprint": "ddsdschhdghgshghdgshghcx"
  },
  "account":{
      "accountnumber":"0690000007",
      "bankcode":"044"
  },
  "amount":"10000"
}

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The list of bank codes can be gotten from the resource section

# Validate Account Payment

validate action

This is used for OTP Validation

{
  "action":"validate",
  "txnRef":"GP547925318M",
  "validate": "account",
  "otp":"12345"
}

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# USSD Payment

This payment option allows you to charge your customers using their bank USSD.

{
    "action":"charge",
    "paymentType":"ussd",
    "bank": "zenith",
    "phonenumber": "0902620185",
    "accountnumber": "0691008392",
    "user": {
        "firstname":"John",
        "lastname":"Doe",
        "email":"hello@example.com",
        "ip":"192.168.33.10",
        "fingerprint": "ddsdschhdghgshghdgshghcx"
    },
    "amount":"10"
}

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Parameter Description

Parameter	Required	Description
action	required	Instruct the API to charge using USSD
paymentType	required	Specifies the type of payment method as `ussd`
user	optional	To gain insight and easily keep tracks of your users
bank	required	This allow you to specify the bank you want to charge using their ussd service. Current active banks are `gtb` and `zenith`
phonenumber	dependent	phone number that will be used to complete payment, only required by `zenith` bank.
accountnumber	dependent	The customers account number to charge, only required by `zenith` bank.
amount	required	This the amount that user will be charged

# Pay with phone number

The pay with phone number payment option requires the customer to enrol for the service before the start making payment.

When the first payment is initiated, a prompt will appear on their phone to complete the enrollment process.

{
    "action":"charge",
    "paymentType":"phone",
    "user": {
        "firstname":"John",
        "lastname":"Doe",
        "email":"hello@example.com",
        "ip":"192.168.33.10",
        "fingerprint": "cccvxbxbxb"
    },
    "phonenumber":"08131",
    "amount":"15"
}

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Parameter Description

Parameter	Required	Description
action	required	Instruct the API to charge phone number
paymentType	required	Specifies the type of payment method as `phone`
user	optional	To gain insight and easily keep tracks of your users
phonenumber	required	phone number that will be used to complete payment
amount	required	This the amount that user will be charged

# QR Pay

The QR Pay allows you to generate a QR Image your customer scans to make payment using their mobile bank app or any app that has a QR payment feature.

{
    "action":"charge",
    "paymentType":"qrpay",
    "user": {
        "firstname":"John",
        "lastname":"Doe",
        "email":"test@example.com",
        "ip":"192.168.33.10",
        "fingerprint": "ddsdschhdghgshghdgshghcx"
    },
    "business_name": "Gladepay",
    "amount":"10"
}

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Parameter Description

Parameter	Required	Description
action	required	Instruct the API to charge the customer using QR Code
paymentType	required	Specifies the type of payment method as `qrpay`
user	optional	To gain insight and easily keep tracks of your user making payment
amount	required	This the amount that user will be charged
business_name	optional	The name you want to appear on the QR generated for the customer.

# Bank Transfer

The bank transfer payment option allows your customers to make payment by bank transfers.

{
    "action":"charge",
    "paymentType":"bank_transfer",
    "user": {
        "firstname":"John",
        "lastname":"Doe",
        "email":"johndoe@example.com",
        "ip":"192.168.33.10",
        "fingerprint": "cccvxbxbxb"
    },
    "amount":"1500",
    "country": "NG",
    "currency": "NGN",
    "business_name": "Eva Empire"
}

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Parameter Description

Parameter	Required	Description
action	required	Instruct the API to charge the customer using Bank Transfer
paymentType	required	Specifies the type of payment method as `bank_transfer`
user	optional	To gain insight and easily keep tracks of your user making payment
amount	required	This the amount that user will be charged
business_name	optional	The name you want to assigned to the account number been generated.

# Mobile Money

This payment option allows you to charge your customers using their mobile money platforms.

{
    "action":"charge",
    "paymentType":"mobile_money",
    "type": "paga_connect",
    "user": {
        "firstname":"Abubakar",
        "lastname":"Ango",
        "email":"sadiq@testpayit.ng",
        "ip":"192.168.33.10",
        "fingerprint": "ddsdschhdghgshghdgshghcx"
    },
    "amount":"1000"
}

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Parameter Description

Parameter	Required	Description
action	required	Instruct the API to charge the customer using Mobile Money
paymentType	required	Specifies the type of payment method as `mobile_money`
type	required	The type of mobile money you want to change the customer. `Paga`, `Ghana Mobile Money`, `Mpesa`
user	optional	To gain insight and easily keep tracks of your user making payment
amount	required	This the amount that user will be charged

When you charging a customers paga account the type value should be set as paga.

Paga required parameters

Parameter	Required	Description
redirect_url	required	The URL you want to redirect the customer to after a transaction completes.

When you want to charge a customer using Ghana mobile money the type should be set as ghana.

Ghana mobile money required parameters

Parameter	Required	Description
phonenumber	required	The number the user has with the mobile network platform.
network	required	This is the mobile money network you want to charge the user in e.g `mtn`, `tigo`, `airtel`, `vodaphone`
country	required	The country has to be set to `GH`
currency	required	The currency the user will be charge is in Cedis `GHS`

Mpesa required parameters

When charging a Mpesa mobile money the type shoukd be set to mpesa.

Parameter	Required	Description
phonenumber	required	The number that the customer has with Mpesa
country	required	The country has to be set to `KE`
currency	required	The currency the user will be charge is in `KES`

# Split Payment

This feature allows you to split settlements into multiple accounts, generate the split reference and setup from the dashboard area.

Pass an array of how the split payment should be handled as shown below for any payment type.

{
    "action":"initiate",
    "paymentType":"card",
    "user": {
        "firstname":"John",
        "lastname":"Doe",
        "email":"hello@example.com",
        "ip":"192.168.33.10",
        "fingerprint": "cccvxbxbxb"
    },
    "card":{
        "card_no":"5438898014560229",
        "expiry_month":"09",
        "expiry_year":"19",
        "ccv":"789"
    },
    "amount":"10000",
    "country": "NG",
    "currency": "NGN",
    "split":[
        {
            "ref_code":"000",
            "percentage": "40"
        },{
            "ref_code": "000",
            "share": "100"
        }
    ]
}

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# Money Transfer

In order to transfer the money, you must have a funded wallet which funds will be deducted from to disburse to any account of your choice.

Endpoint: https://demo.api.glade.ng/disburse (opens new window)

{
  "action":"transfer",
  "amount": "100",
  "bankcode":"058", 
  "accountnumber":"0040000008",
  "sender_name": "John Doe",
  "narration": "Upkeep",
  "orderRef":"TX00001"
}

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Response

{
  "action":"transfer",
  "amount": "100",
  "bankcode":"058", 
  "accountnumber":"0040000008",
  "sender_name": "John Doe",
  "narration": "Upkeep",
  "orderRef":"TX00001"
}

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# Bulk Transfer

Send multiple transfers to different accounts using a single API call.

{
  "action":"transfer",
  "type": "bulk",
  "data": [
    {
        "amount": "100",
        "bankcode":"058", 
        "accountnumber":"0040000008",
        "sender_name": "John Doe",
        "narration": "",
        "orderRef": "TX00001"
    },{
        "amount": "100",
        "bankcode":"058", 
        "accountnumber":"0040000009",
        "sender_name": "John Doe",
        "narration": "",
        "orderRef": "TX00002"
    }    
  ]
}

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NOTE

After bulk transfers you will need to re-query the order reference of each order to verify the status of the transaction.

The transaction can be verified by passing the payload with the order reference of the transfer

{
  "action":"verify",
  "txnRef":"TX00002"
}

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Response

{
  "status": 200,
  "txnStatus": "successful",
  "message": "Transfer Successful"
}

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Note

txnStatus determines the status of the transaction if it is successful, failed or pending

# Airtime and Bills

Endpoint: https://demo.api.glade.ng/bills (opens new window)

With this endpoint, you can purchase airtime and make bills payment.

# Get the List of bills

This method retrieves the list of category, billers, and payment items.

{
    "action": "pull"
}

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Sample Response:

{
  "data": {
    "categories": [
      {
        "name": "Airtime",
        "code": "airtime"
      },
      {
        "name": "Electricity Tokens",
        "code": "electricity"
      },
      {
        "name": "Internet Services",
        "code": "internet"
      }
    ],
    "bills": [
      {
        "id": 1,
        "name": "MTN Prepaid Topup",
        "reference": "Phone Number",
        "category": "airtime"
      },
      {
        "id": 3,
        "name": "Glo Prepaid Topup",
        "reference": "Phone Number",
        "category": "airtime"
      },
      {
        "id": 4,
        "name": "9Mobile Prepaid Topup",
        "reference": "Phone Number",
        "category": "airtime"
      },
      {
        "id": 5,
        "name": "Airtel Prepaid Topup",
        "reference": "Phone Number",
        "category": "airtime"
      },
      {
        "id": 6,
        "name": "AEDC",
        "reference": "Meter Number",
        "category": "electricity"
      }
    ],
    "items": [
      {
        "name": "TopUp",
        "bills_id": 1,
        "amount": "0",
        "discount": 3,
        "fee": 0,
        "paycode": "cHwBhPniYesycir",
        "require_name_query": 0
      },
      {
        "name": "TopUp",
        "bills_id": 3,
        "amount": "0",
        "discount": 3,
        "fee": 0,
        "paycode": "6rHQCyP0252mg0J",
        "require_name_query": 0
      },
      {
        "name": "TopUp",
        "bills_id": 4,
        "amount": "0",
        "discount": 3,
        "fee": 0,
        "paycode": "jhMIV5j3K8SmPAy",
        "require_name_query": 0
      },
      {
        "name": "TopUp",
        "bills_id": 5,
        "amount": "0",
        "discount": 3,
        "fee": 0,
        "paycode": "Alhdu86riyoyHg0",
        "require_name_query": 0
      },
      {
        "name": "AEDC Prepaid",
        "bills_id": 6,
        "amount": "0",
        "discount": 0,
        "fee": 70,
        "paycode": "lAApm6OBmRmp3cQ",
        "require_name_query": 1
      }
    ]
  }
}

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The category is mapped to the biller and payment item. Category and Biller are linked by the category field in biller and biller is linked to the items by the bills_id field.

# Filter bills by category

Get the list of bills in a category

{
  "action": "pull",
  "category": "airtime"
}

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# Filter bills by bills_id

Get the list of items in a bill

{
  "action": "pull",
  "bills_id": 6
}

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NOTE

Paycode of bills could change pull the updated list of bills at least once a day.

# Resolve Bills Name

This method allows you to the name of a customers reference e.g SmartCard Number, Meter Number etc

{
    "action": "resolve",
    "paycode": "lAApm6OBmRmp3cQ",
    "reference": "0000000001"
}

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# Make Bills Payment

To make bills payment pass the paycode and reference that is required by the biller e.g SmartCard Number, Meter Number etc

paycode must be retrieved from the items list when you retrieved the list of available bills

{
    "action": "pay",
    "paycode": "lAApm6OBmRmp3cQ",
    "reference": "0000000001",
    "amount": "100",
    "orderRef": "xxcd"
}

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# Verify Bills Payment

The transaction can be verified by passing the transaction reference and setting the action as verify.

{
    "action": "verify",
    "txnRef": "GP|BP|987555815|20190115N"
}

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NOTE

txnStatus determines the status of the transaction if it is successful, failed or pending

# ENROLLMENT

Endpoint:https://demo.api.glade.ng/clients (opens new window)

The enrollment endpoint will enable you to create a customer profile for your users to access loans & investment services.

# Create Profile

{
    "action": "create",
    "data": {
        "firstname": "",
        "lastname": "",
        "middlename": "",
        "email": "",
        "gender": "",
        "dob": "",
        "phone": "",
        "bvn": "",
        "addresses":[
          {
             "line1":"8 Howling Lane",
             "line2":"Hackney",
             "city":"London",
             "region":"London",
             "postcode":"1234554321",
             "country":"United Kingdom"
          }
       ],
       "bankAccount": {
                   "account_number": "",
                   "bank_code": ""
           },
        "meta": {
            "id_card_no": ""
        }
    },
    "verify_bvn": false,
    "status": "pending_approval"
}

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when a successful profile is created a unquie id is generated and returned in the data object which will be used to identify the profile wherever client_id is required.

# Update Profile Information

Profiles can be updated by passing their information in the data field.

{
    "action": "update",
    "client_id": "3",
    "data": {
        "meta": {
            "phone": "",
            "extra": {
                
            }
        }
    }
}

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# List Profiles

You can retrieve the list of all profiles created

{
    "action": "list",
    "offset": "",
    "limit":""
}

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# View Details of a Profile

{
    "action": "view",
    "client_id": "3"
}

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# Cashcode

Endpoint: https://demo.api.glade.ng/cashcode (opens new window)

Generate cashcodes to use on ATM's to withdraw cash with cards.

# Generate Cashcode

This method generates the cashcode

{
    "action": "generate",
    "amount": "1000",
    "pin": "1234",
    "channel": "ATM",
    "orderRef": "asd1d",
    "life_time": "60"
}

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TIP

A 4 PIN digit is required for withdrawals.

Possible channels are ATM, WEB and POS

# Verify Cashcode

Get the status of a cashcode

{
    "action": "verify",
    "orderRef": "asd1d"
}

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# LOANS

Endpoint: https://demo.api.glade.ng/loans (opens new window)

# Request

Make a request for loans.

{
    "action": "request",
    "client_id": "12",
    "interestSettings": {
        "interestRate": "5",
        "interestFrequency": "annualized|every_month|every_four_weeks|every_week|every_day"
    },
    "amount": 1000,
    "tax_applied": true,
    "tax_rate": 1.4,
    "period": 30
}

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# Process

Process the loan request by the client.

{
    "action": "process",
    "loan_id": "",
    "status": "approve|reject|cancel"
}

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NOTE

approve status will trigger a disbursement to the client's account.

# List

List the number of loans

{
    "action": "list",
    "offset": "",
    "limit": ""
}

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# View

View details of the loan.

{
    "action": "view",
    "loan_id": ""
}

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# Repayment

Initiate a loan repayment, the process flow of each payment method is the same as the payment API.

{
    "action": "repay",
    "loan_id": "7",
    "payment_method": "card",
    "ip": "127.0.0.1",
    "fingerprint": "zxsdcd",
    "card":{
        "card_no":"5061030000000000977",
        "expiry_month":"01",
        "expiry_year":"50",
        "ccv":"000",
        "pin": "1234"
    },
    "meta": ""
}

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Validate payment

{
    "action":"validate",
    "txnRef":"GP|LD|238639|20190406",
    "otp":"123456"
}

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# INVESTMENTS

Endpoint:https://demo.api.glade.ng/investments (opens new window)

# Savings

The savings services will enable you to create a virtual savings account for your clients, the interest rate can be configured per account to be available to the client on the maturity date.

# Create

Create a saving for a client.

{
    "action": "create_savings",
    "name": "Main Account",
    "client_id": "3",
    "interestSettings": {
        "interestRate": "5",
        "interestFrequency": "annualized|every_month|every_four_weeks|every_week|every_day"
    },
    "tax_applied": true,
    "tax_rate": 1.4,
    "period": 30
}

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# Lists

List all the savings a client has. The client_id field is optional and when it is not included in the payload, it returns the list of all savings.

{
    "action": "list_savings",
    "client_id": "",
    "offset": ""
}

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# View

Get the details of a savings using the unique id returned at the point of creation.

{
    "action": "view_savings",
    "savings_id": "1"
}

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# Cashout

Cashout funds from the savings using the different methods available.

{
    "action": "cashout",
    "saving_id": "",
    "client_id": "",
    "amount":"",
    "method": "cash|transfer|cashcode"
}

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# Deposit

Deposit funds to savings account using different payment methods available.

{
    "action": "deposit",
    "savings_id": "7",
    "payment_method": "card",
    "ip": "127.0.0.1",
    "fingerprint": "zxsdcd",
    "card":{
        "card_no":"5061030000000000977",
        "expiry_month":"01",
        "expiry_year":"50",
        "ccv":"000",
        "pin": "1234"
    },
    "amount": "1000"
}

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# Validate payment

Validate the deposit payment when the status response is validated.

{
    "action":"validate",
    "txnRef":"GP|LD|238639|20190406",
    "otp":"123456"
}

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# Thrift

# Create a Plan

{
    "action": "create_plan",
    "name": "Jones Thirft",
    "amount": "1000",
    "start_date": "1990-10-01",
    "member_required": "2",
    "frequency": "every_month"
}

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# List Plans

Get a list of all thrift plans on your merchant account

{
    "action": "list_plans",
    "offset": "0",
    "limits": "10"
}

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# View Subscriptions

{
    "action": "subscriptions",
    "thrift_id": "2"
}

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To subscribe to a thrift plan, clients savings account are linked to the thrift. Funds will be deposit to the savings to charged on the cycle of the payout to the chosen clients account.

{
    "action": "subscribe",
    "savings_id": "7",
    "thrift_id": "2"
}

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# Cooperative Society Services

Cooperative society services is a combination of different API services. The following API can be used to achieve the Cooperative society service.

# Agent Banking Services

To start the agent banking services use the following API services.

# Resources

Endpoint:https://demo.api.glade.ng/resources (opens new window)

WARNING

Pass the following payload to the server using the resources method to pull resources for use.

# Get Supported Chargeable Banks

{"inquire": "supported_chargable_banks"}

# Get The List of Banks

{"inquire": "banks"}

Bank List Response

 {"214":"FIRST CITY MONUMENT BANK PLC","215":"UNITY BANK PLC","221":"STANBIC IBTC BANK PLC","232":"STERLING BANK PLC","301":"JAIZ BANK","304":"Stanbic Mobile","305":"PAYCOM","307":"Ecobank Mobile","309":"FBN MOBILE","311":"Parkway","315":"GTBank Mobile Money","322":"ZENITH Mobile","323":"ACCESS MOBILE","401":"Aso Savings and Loans","044":"ACCESS BANK NIGERIA","014":"AFRIBANK NIGERIA PLC","063":"DIAMOND BANK PLC","050":"ECOBANK NIGERIA PLC","084":"ENTERPRISE BANK LIMITED","070":"FIDELITY BANK PLC","011":"FIRST BANK PLC","058":"GTBANK PLC","030":"HERITAGE BANK","082":"KEYSTONE BANK PLC","076":"SKYE BANK PLC","068":"STANDARD CHARTERED BANK NIGERIA LIMITED","032":"UNION BANK OF NIGERIA PLC","033":"UNITED BANK FOR AFRICA PLC","035":"WEMA BANK PLC","057":"ZENITH BANK PLC","090114":"Empire Trust Microfinance Bank"}

# Verify The Account Name

{"inquire": "accountname", "accountnumber": "0040000009", "bankcode": "058"}

Account Name Response

 {"status":"success","resolved":true,"data":{"account_name":"John Doe"}}

# Verify BVN

{"inquire": "bvn", "bvn": "12345678901"}

BVN Response

 {"status":"success","data":{"firstname":"John","lastname":"Doe","dob":"1914-01-01","bvn":"12345678901","phone":"08000000000"}}

# Get Card Details

The first six digits are all that is required to get the details of the such as issuer country, the brand, issuer.

{"inquire": "card", "card_no": "543889"}

# Get Charge

Get the charges for a card.

{"inquire": "charges", "card_no": "543889", "amount": "1000"}

Get the charges for an account.

{"inquire": "charges", "type": "account", "amount": "1000"}

# Personalized Account

This action will allow the merchant to personalized account number for their customers.

{
	"request": "personalized-accounts",
	"name": "John Doe",
	"reference": "162329305158",
	"email": "ade@gmail.com",
	"bvn": "2221234567"
}

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Parameter Description

Parameter	Required	Description
request	required	Instruct the API create a personalized account using information
name	required	Name to appear on the account details
reference	required	A reference number that will be used to track the account number generated and payments
email	required	Email address that belongs to the customer

# WebHooks

You can setup webhooks on your GladePay dashboard that lets us notify your application whenever a payment has been completed. When a transaction is completed a POST HTTP request is sent to the URL that has been setup on the dashboard as a JSON request.

Valid events are raised with a header gladepay-hash which is essentially an MD5 hash of the event payload and the merchant key. $hash = hash('sha512', $payload.$key); A sample response from the webhook

{
  "status": 200,
  "txnStatus": "successful",
  "txnRef": "GPP99318721920190628Q",
  "chargedAmount": "63.00",
  "paymentMethod": "card",
  "endpoint": "stage"
}

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# Error Codes

Codes	Meaning
`101`	Merchant Authentication Failed.
`102`	Invalid Method Call.
`103`	Invalid JSON Request.
`104`	Invalid Data Request.
`200`	Successful
`201`	Unrecognized Response From Gateway
`202`	OTP Validation required
`203`	Validation not successful
`204`	An error has occurred

# Virtual Card API

Endpoint:https://api.glade.ng/virtualcard (opens new window) Method for all Virtual Card actions: PUT

# Create New Card

Request

{
   "action":"create",
   "billing" : {
     "address" : "Near WAEC Office",
     "name" : "Abubakar Siddiq Ango",
     "city" : "Bauchi",
     "state" : "Bauchi",
     "postal_code": "74300"
   },
   "amount": "20",
   "currency": "USD",
   "country": "NG"
}

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Response

{
    "status": 200,
    "message": "Created Successfully",
    "card_data": {
        "reference": "GVC_5f01a65588d3b9.69658422",
        "balance": "20.00",
        "currency": "USD",
        "cardpan": "4056412345678938",
        "maskedpan": "405640*******7838",
        "city": "Bauchi",
        "state": "Bauchi",
        "address": "Near WAEC Office",
        "postal_code": "74300",
        "cvv": "123",
        "expiration": "2023-07",
        "card_type": "visa",
        "name_on_card": "Abubakar Siddiq Ango",
        "card_owner": "customer",
        "status": "active"
    }
}

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# List Cards

Get a list of all cards created by merchant.

Request

{
   "action":"list"
}

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Response

{
    "status": 200,
    "message": "success",
    "data": [
        {
            "reference": "GVC_5f01813821aae1.69060540",
            "currency": "USD",
            "maskedpan": null,
            "city": "Bauchi",
            "state": "Bauchi",
            "address": "Near WAEC Office",
            "portal_code": "74300",
            "cvv": "123",
            "expiration": "2023-07",
            "card_type": "visa",
            "name_on_card": "Abubakar Siddiq Ango",
            "card_owner": "customer",
            "status": "terminated"
        },
        {
            "reference": "GVC_5f0184a42733c4.56706447",
            "currency": "USD",
            "maskedpan": "405640*******4519",
            "city": "Bauchi",
            "state": "Bauchi",
            "address": "Near WAEC Office",
            "portal_code": "74300",
            "cvv": "123",
            "expiration": "2023-07",
            "card_type": "visa",
            "name_on_card": "Abubakar Siddiq Ango",
            "card_owner": "customer",
            "status": "terminated"
        },
        {
            "reference": "GVC_5f019d64184ea4.67158218",
            "currency": "USD",
            "maskedpan": "405640*******2519",
            "city": "Bauchi",
            "state": "Bauchi",
            "address": "Near WAEC Office",
            "portal_code": "74300",
            "cvv": "123",
            "expiration": "2023-07",
            "card_type": "visa",
            "name_on_card": "Abubakar Siddiq Ango",
            "card_owner": "customer",
            "status": "terminated"
        },
        {
            "reference": "GVC_5f01a65588d3b9.69658422",
            "currency": "USD",
            "maskedpan": "405640*******7838",
            "city": "Bauchi",
            "state": "Bauchi",
            "address": "Near WAEC Office",
            "portal_code": "74300",
            "cvv": "123",
            "expiration": "2023-07",
            "card_type": "visa",
            "name_on_card": "Abubakar Siddiq Ango",
            "card_owner": "customer",
            "status": "active"
        }
    ]
}

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# Get Cards

Retrieve the details of a card using it's reference number

Request

{
    "action":"get",
    "reference":"GPVC_lapc691587971764026"
}

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Response

{
    "status": 200,
    "message": "success",
    "card_data": {
        "reference": "GPVC_lapc691587971764026",
        "currency": "USD",
        "balance": "40.32",
        "cardpan": "4056412345678966",
        "maskedpan": "405640*******8566",
        "city": "Lagos",
        "state": "Lagos",
        "address": "Abuja, Nigeria",
        "postal_code": "10026",
        "cvv": "101",
        "expiration": "2023-05",
        "card_type": "visa",
        "name_on_card": "Glade (Sadiq)",
        "card_owner": "customer",
        "status": "active"
    }
}

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# Card Transactions

Get the transactions performed on a card

Request

{
   "reference":"GVC_5f01a65588d3b9.69658422",
    "action":"transactions",
    "from_date":"2020-01-01",
    "to_date":"2020-07-05"
}

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Response

{
    "status": 200,
    "reference": "GVC_5f01a65588d3b9.69658422",
    "data": [
        {
            "id": 27462443,
            "amount": 5,
            "fee": 0,
            "narration": "Card Funding",
            "dateCreated": "2020-07-05T10:07:51.823Z",
            "status": "Successful",
            "description": "Card Funding",
            "currency": "USD"
        },
        {
            "id": 27462360,
            "amount": 20,
            "fee": 0,
            "narration": "Card Funding",
            "dateCreated": "2020-07-05T10:07:24.013Z",
            "status": "Successful",
            "description": "Card Funding",
            "currency": "USD"
        },
        {
            "id": 27462358,
            "amount": 0.5,
            "fee": 0,
            "narration": "Card Issuance Fee",
            "dateCreated": "2020-07-05T10:07:23.843Z",
            "status": "Successful",
            "description": "Card Issuance Fee",
            "currency": "USD"
        },
        {
            "id": 27462344,
            "amount": 20,
            "fee": 0,
            "narration": null,
            "dateCreated": "2020-07-05T10:07:19.217Z",
            "status": "Successful",
            "description": "Card Funding Debit",
            "currency": "USD"
        }
    ]
}

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# Fund Card

Add funds to a card

Request

{
   "action":"fund",
   "reference":"GVC_5f01a65588d3b9.69658422",
    "amount":"5"
}

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Response


{
    "status": 400,
    "message": "Amount is less than required NGN 1000."
}



{
    "status": 301,
    "message": "Insufficient Balance"
}



{
    "status": 400,
    "message": "Unable to fund your card."
}


{
    "status": 200,
    "message": "Success"
}

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# Withdraw Card

Withdraw funds from a card

Request


{
   "action":"withdraw",
   "reference":"GVC_5f01a65588d3b9.69658422",
    "amount":"5"
}

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Response


{
    "status": 200,
    "message": "Withdrawal Successful"
}

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# Terminate Card

Cancel a card, remaining funds will be moved to the merchant's wallet.

Request

{
    "action":"terminate",
    "reference":"GPVC_lapc691587971764026"
}

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Response

{
    "status": 200,
    "message": "Card terminated successfully"
}

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# PostMan Samples

(opens new window)

# Questions

If you encounter any issues while trying to implement this, please reach out to support@glade.ng

# API Reference

# Getting Started

# Test Accounts

# Live Accounts

# Making Requests

# Authenticating Request

# Payment Collections

# With Card Payment:

# Step 1

# Recurrent Payments

# Installmental Payments

# Step 2

# Payment with Token

# First Validation

# validate action

# Second Validation Type

# verify action

# refund action

# Test Cards

# With Account Payments

# Validate Account Payment

# USSD Payment

# Pay with phone number

# QR Pay

# Bank Transfer

# Mobile Money

# Split Payment

# Money Transfer

# Bulk Transfer

# Airtime and Bills

# Get the List of bills

# Filter bills by category

# Filter bills by bills_id

# Resolve Bills Name

# Make Bills Payment

# Verify Bills Payment

# ENROLLMENT

# Create Profile

# Update Profile Information

# List Profiles

# View Details of a Profile

# Cashcode

# Generate Cashcode

# Verify Cashcode

# LOANS

# Request

# Process

# List

# View

# Repayment

# INVESTMENTS

# Savings

# Create

# Lists

# View

# Cashout

# Deposit

# Validate payment

# Thrift

# Create a Plan

# List Plans

# View Subscriptions

# Subscribe

# Cooperative Society Services

Loan

Savings

Thrift

# Agent Banking Services

Fund Transfer

Airtime

Bills Payment

# Resources

# Get Supported Chargeable Banks

# Get The List of Banks

# Verify The Account Name

# Verify BVN

# Get Card Details

# Get Charge

# Personalized Account

# WebHooks

# validate `action`

# `verify` action

# `refund` action