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This endpoint returns all supported payment methods available for a transaction based on the customer’s country, currency, amount, and payable type. It calculates fees, taxes, and exchange rates for each payment method.

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Authentication

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X-Auth-Token
string
required
Authentication token obtained from login
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uuid
string
required
Device UUID for request tracking
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platform
string
required
Platform identifier (e.g., “WEB”, “MOBILE”, “IOS”, “ANDROID”)

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Request Body

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pcn
string
required
Payment Control Number - unique identifier for the payable item
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payAbleType
enum
required
Type of payable itemOptions:
  • TRANSACTION - Remittance/money transfer
  • WALLET - Generic wallet payment
  • WALLET_CUSTOMER - Personal wallet payment
  • WALLET_PAYCENTER - Agent wallet payment
  • BILL - Bill payment
  • MERCHANT - Product payment
  • VOUCHER - Voucher purchase
  • WITHDRAWAL - Wallet withdrawal
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countryIsoCode3
string
required
Three-letter ISO country code (e.g., “USA”, “GBR”, “NGA”)
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currency
string
Three-letter currency code (e.g., “USD”, “GBP”, “NGN”). Required if PCN is not provided.
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amount
string
Payment amount as string. Required if PCN is not provided.
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appId
string
Application identifier for specific integrations
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transactionType
enum
Specific transaction type filterOptions:
  • ACCOUNTPAYMENT - Bank transfer
  • CASHPICKUP - Cash pickup
  • MOBILE_MONEY - Mobile money
  • WALLET - Wallet payment
  • BILL_PAYMENT - Bill payment

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Code Examples

curl --request POST \
  --url https://remitjunction.fincode.software/api/v6/services/paymentmanagement/supported-payment-methods \
  --header 'Content-Type: application/json' \
  --header 'X-Auth-Token: your_auth_token' \
  --header 'uuid: device_uuid' \
  --header 'platform: WEB' \
  --data '{
    "pcn": "PCN123456789",
    "payAbleType": "TRANSACTION",
    "countryIsoCode3": "USA"
  }'

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Use Cases

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1. Display Payment Options

Use this endpoint to show customers all available payment methods: 
// Fetch payment methods
const methods = await getPaymentMethods(pcn, 'TRANSACTION');

// Display to user
methods.data.paymentMethodsMetadata.forEach(method => {
  console.log(`${method.paymentMethodLabel}: ${method.totalAmount}`);
});

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2. Pre-calculate Total Amount

Calculate the total amount before payment: 
const response = await getPaymentMethods(pcn);
const { principal_amount, fee, tax, fx_rate } = response.data;

console.log(`Amount: ${principal_amount}`);
console.log(`Fee: ${fee}`);
console.log(`Tax: ${tax}`);
console.log(`Total: ${principal_amount + fee + tax}`);
console.log(`You will receive: ${principal_amount * fx_rate}`);

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3. Check Wallet Balance

Determine if customer has sufficient wallet balance: 
const methods = await getPaymentMethods(pcn);
const walletMethod = methods.data.paymentMethodsMetadata
  .find(m => m.paymentMethod === 'E_WALLET');

if (walletMethod && walletMethod.metadata.sufficient) {
  // Show wallet as primary option
  showWalletPayment(walletMethod);
} else {
  // Show alternative methods
  showOtherMethods(methods.data.paymentMethodsMetadata);
}