Pay with a bank transfer

The bank-transfer payload for Pay an order. Reeple issues a temporary account number; you display it, the customer transfers to it, and the order settles when the bank confirms the funds.

Endpoint

POST https://api-v4.reeple.ai/charge/order/pay

Authenticate with your public key. See Authentication.

Payload (before encryption)

Field	Type	Description
`reference`	String	Required. The order reference.
`paymentoption`	String	Required. `BANK-TRANSFER`.
`country`	String	Optional. Two-letter country code.
`BankTransfer`	Object	Required. See Bank transfer object.

Bank transfer object

Field	Type	Description
`bankcode`	String	Required. The customer’s bank, from List banks.

{
  "reference": "order-2026-0001",
  "paymentoption": "bank-transfer",
  "country": "NG",
  "BankTransfer": {
    "bankcode": "00017"
  }
}

paymentoption is matched case-insensitively here — both bank-transfer and BANK-TRANSFER work. The code returned in otherPaymentOptions is the uppercase form.

Request example

curl -X POST https://api-v4.reeple.ai/charge/order/pay \
  -H "Content-Type: application/json" \
  -H "api-key: YOUR_PUBLIC_KEY" \
  -d '{ "data": "YOUR_ENCRYPTED_PAYLOAD" }'

Response

{
  "data": {
    "paymentDetail": {
      "redirectUrl": "https://payment-v2.reeple.ai/redirect?t=aHR0cHM6Ly9jb3JlL...",
      "recipientAccount": "TRP3861273",
      "paymentReference": "BTP079497EB-9E5C-4C14-B187-834"
    },
    "bankTransferDetails": null,
    "orderPayment": {
      "orderPaymentReference": "REEPLE-PAYREF-EBC829A92BA44B05A8F6F64D78DB4328",
      "currency": "NGN",
      "statusId": 2,
      "orderPaymentResponseCode": "02",
      "orderPaymentResponseMessage": "pending bank notification",
      "orderPaymentInstrument": "TRP3861273",
      "totalAmount": 580,
      "fee": 80
    },
    "orderSummary": {
      "orderReference": "order-2026-0001",
      "totalChargedAmount": 580,
      "fee": 80,
      "statusId": 2,
      "status": "Pending",
      "paymentType": "BANK-TRANSFER"
    }
  },
  "status": "success",
  "statusCode": "02",
  "message": "Bank transfer order created successfully"
}

Response fields

Field	Description
`paymentDetail.recipientAccount`	The account number to show the customer.
`paymentDetail.redirectUrl`	A hosted page displaying the same transfer instructions, if you’d rather not build your own.
`orderPayment.orderPaymentInstrument`	The same account number, echoed.
`orderPayment.totalAmount`	The exact amount the customer must send — order amount plus fee.

The customer must transfer totalAmount, not the order amount. In the example above the order is 500 but the customer sends 580. Display totalAmount, and make it copyable.

The account number is temporary and single-use — it belongs to this order only. Never cache it or reuse it for another payment.

After you show the account number

Display the account number and exact amount

Both need to be copyable. A mistyped amount will not match the order.

Poll for status

Get order status until isFinalStatus is true. Nothing happens until the customer actually sends the money.

Be patient, then reconcile

Transfers can take minutes to hours. Don’t fail the order after a short timeout — leave it pending and reconcile from your backend. See Order lifecycle.

Finding a bank code

curl https://api-v4.reeple.ai/charge/banks?paymentmethod=bank-transfer \
  -H "api-key: YOUR_PUBLIC_KEY"

See List banks.

Get Started

Orders

Payment Methods

Banks

Payment Links

Tokenized Charge

Verification

Refunds

Utility

Endpoint

Payload (before encryption)

Bank transfer object

Request example

Response

Response fields

After you show the account number

Finding a bank code

​Endpoint

​Payload (before encryption)

​Bank transfer object

​Request example

​Response

​Response fields

​After you show the account number

​Finding a bank code

Endpoint

Payload (before encryption)

Bank transfer object

Request example

Response

Response fields

After you show the account number

Finding a bank code