Make Payment from Wallet

This endpoint allows customers to pay for transactions, bill payments, wallet funding, or any other payable item using their wallet balance. The system automatically debits the customer’s wallet and updates the payment status.

Authentication

string

required

Authentication token obtained from login

string

required

Device UUID for request tracking

string

required

Platform identifier (e.g., “WEB”, “MOBILE”, “IOS”, “ANDROID”)

Request Body

enum

required

Type of payable item to processOptions:

TRANSACTION - Remittance/money transfer
WALLET - Generic wallet payment
WALLET_CUSTOMER - Personal wallet payment
BILL - Bill payment
MERCHANT - Product payment
WITHDRAWAL - Wallet withdrawal

string

required

Unique identifier of the payable item

string

required

Customer’s account password for authentication

string

required

Wallet account ID to debit from

number

required

Total amount to be debited including fees and taxes

string

required

Reference number for the payment (can be auto-generated)

string

Specific wallet account number (if customer has multiple accounts)

enum

Currency code of the wallet accountExamples: USD, GBP, NGN, EUR

string

One-Time Password for Strong Customer Authentication (if enabled)

string

Transaction PIN for additional security (if enabled)

Code Examples

curl --request POST \
  --url https://{your-domain}.fincode.software/api/v6/services/paymentmanagement/makepaymentfromwalletaccount \
  --header 'Content-Type: application/json' \
  --header 'X-Auth-Token: your_auth_token' \
  --header 'uuid: device_uuid' \
  --header 'platform: WEB' \
  --data '{
    "payableType": "TRANSACTION",
    "payAbleId": "txn_abc123",
    "password": "user_password",
    "accountId": "wallet_456",
    "totalCheckOutAmount": 105.50,
    "paymentGatewayRef": "ref_789",
    "accountNumber": "1234567890",
    "paymentAccountNumbeCurrencyCode": "USD",
    "pin": "1234"
  }'

const payFromWallet = async (paymentData) => {
  const response = await fetch('https://{your-domain}.fincode.software/api/v6/services/paymentmanagement/makepaymentfromwalletaccount', {
    method: 'POST',
    headers: {
      'Content-Type': 'application/json',
      'X-Auth-Token': 'your_auth_token',
      'uuid': 'device_uuid',
      'platform': 'WEB'
    },
    body: JSON.stringify({
      payableType: 'TRANSACTION',
      payAbleId: 'txn_abc123',
      password: 'user_password',
      accountId: 'wallet_456',
      totalCheckOutAmount: 105.50,
      paymentGatewayRef: 'ref_789',
      accountNumber: '1234567890',
      paymentAccountNumbeCurrencyCode: 'USD',
      pin: '1234'
    })
  });

  return await response.json();
};

import requests

url = "https://{your-domain}.fincode.software/api/v6/services/paymentmanagement/makepaymentfromwalletaccount"
headers = {
    "Content-Type": "application/json",
    "X-Auth-Token": "your_auth_token",
    "uuid": "device_uuid",
    "platform": "WEB"
}
payload = {
    "payableType": "TRANSACTION",
    "payAbleId": "txn_abc123",
    "password": "user_password",
    "accountId": "wallet_456",
    "totalCheckOutAmount": 105.50,
    "paymentGatewayRef": "ref_789",
    "accountNumber": "1234567890",
    "paymentAccountNumbeCurrencyCode": "USD",
    "pin": "1234"
}

response = requests.post(url, json=payload, headers=headers)
data = response.json()

Use Cases

1. Pay for Money Transfer

const payForRemittance = async (transactionId) => {
  // First, get payment methods to confirm wallet balance
  const methods = await getPaymentMethods(transactionPCN);
  const walletMethod = methods.data.paymentMethodsMetadata
    .find(m => m.paymentMethod === 'E_WALLET');
  
  if (!walletMethod.metadata.sufficient) {
    throw new Error('Insufficient wallet balance');
  }
  
  // Process payment from wallet
  const payment = await fetch('/makepaymentfromwalletaccount', {
    method: 'POST',
    headers: headers,
    body: JSON.stringify({
      payableType: 'TRANSACTION',
      payAbleId: transactionId,
      password: userPassword,
      accountId: walletAccountId,
      totalCheckOutAmount: walletMethod.totalAmount,
      paymentGatewayRef: generateRef(),
      paymentAccountNumbeCurrencyCode: 'USD'
    })
  });
  
  return await payment.json();
};

2. Pay Bill from Wallet

const payBill = async (billId, amount) => {
  const response = await fetch('/makepaymentfromwalletaccount', {
    method: 'POST',
    headers: headers,
    body: JSON.stringify({
      payableType: 'BILL',
      payAbleId: billId,
      password: userPassword,
      accountId: walletAccountId,
      totalCheckOutAmount: amount,
      paymentGatewayRef: `BILL_${Date.now()}`,
      paymentAccountNumbeCurrencyCode: 'NGN',
      pin: transactionPIN
    })
  });
  
  const result = await response.json();
  
  if (result.status === 'SUCCESS') {
    console.log('Bill paid successfully');
  }
  
  return result;
};

3. Fund Another Wallet

const fundWallet = async (fundingRequestId) => {
  const response = await fetch('/makepaymentfromwalletaccount', {
    method: 'POST',
    headers: headers,
    body: JSON.stringify({
      payableType: 'WALLET_CUSTOMER',
      payAbleId: fundingRequestId,
      password: userPassword,
      accountId: sourceWalletId,
      totalCheckOutAmount: fundingAmount,
      paymentGatewayRef: `FUND_${Date.now()}`,
      accountNumber: sourceAccountNumber,
      paymentAccountNumbeCurrencyCode: 'USD'
    })
  });
  
  return await response.json();
};

Getting Started

Core Flows

API Endpoints

Authentication

Request Body

Code Examples

Use Cases

1. Pay for Money Transfer

2. Pay Bill from Wallet

3. Fund Another Wallet

​Authentication

​Request Body

​Code Examples

​Use Cases

​1. Pay for Money Transfer

​2. Pay Bill from Wallet

​3. Fund Another Wallet

Authentication

Request Body

Code Examples

Use Cases

1. Pay for Money Transfer

2. Pay Bill from Wallet

3. Fund Another Wallet