Overview - FinCode Platform

Welcome to the deposit platform documentation. This guide will help you understand how our digital payment system works and how to integrate it into your application.

What is Deposit Management?

Our deposit platform enables secure, flexible, and automated payment processing for customers. The system supports:

Multiple Payment Methods - Wallet, bank transfer, card payments, and more
Automated Payment Processing - Real-time payment verification and confirmation
Payment Tracking - Comprehensive payment history and status monitoring
Flexible Payment Options - Support for various payment gateways and methods

Key Features

Multi-Payment Support

Accept payments via wallet, bank transfer, card, PayPal, mobile money, and cryptocurrency.

Real-Time Processing

Instant payment verification with automated status updates and notifications.

Awaiting Payments

Track and manage payments that customers commit to making later via bank transfer.

Payment Gateway Integration

Seamless integration with multiple payment gateways including Flutterwave, Stripe, and more.

Wallet Integration

Built-in wallet system for instant payments with balance management.

API-First Design

RESTful APIs with comprehensive documentation for seamless integration.

How It Works

The payment flow consists of four main phases:

Payment Method Selection

Customer selects their preferred payment method from available options based on currency and amount.

Payment Initiation

System creates a payable item and processes payment through the selected method (wallet, card, bank transfer).

Payment Processing

Payment is processed via the appropriate gateway or internal system with real-time status updates.

Payment Confirmation

System confirms payment receipt and updates transaction status, completing the payment lifecycle.

For detailed visual flow, see the Process Flow and Payment Lifecycle pages.

Core Concepts

Payment Lifecycle

Every payment moves through defined states from initiation to completion:

PENDING_PAYMENT → CONFIRMED → PAID → COMPLETED

Payments can also transition to CANCELLED, FAILED, or REFUNDED at various stages.

Learn More

See detailed state transitions and what triggers each status change.

Payable Items

Payable items represent different types of transactions that can be paid for:

TRANSACTION - Remittance/money transfer
WALLET - Wallet funding or generic wallet payment
BILL - Bill payment
MERCHANT - Product/merchant payment
VOUCHER - Voucher purchase
WITHDRAWAL - Wallet withdrawal

Learn More

Understand how different payable types are processed.

Payment Methods

The platform supports multiple payment methods:

E_WALLET - Pay from customer wallet balance
ONLINE_CARD_PAYMENT - Credit/debit card payments via payment gateway
BANK_TRANSFER - Offline bank transfer with confirmation
ONLINE_BANK_TRANSFER - Direct online bank transfer
PAYPAL - PayPal payments
MOBILE_MONEY - Mobile money payments
CRYPTO_CURRENCY_PAYMENT - Cryptocurrency payments
CASH - Cash payments at branches

Learn More

Explore payment methods in detail.

Awaiting Payments

The “awaiting payments” system allows customers to notify the platform that they will pay via bank transfer:

Customer initiates transaction
Selects “I will pay later” option
Makes bank transfer offline
Notifies system of payment completion
Admin verifies and confirms payment

Learn More

Understand the bank transfer workflow.

Integration Quick Start

Before you begin:

Get API Credentials

Contact our team to receive your sandbox API keys and base URL.

Review API Documentation

Familiarize yourself with our Payment API Reference.

Understand the Flow

Read through the Payment Flow to understand the complete payment journey.

Complete API Reference

Explore all available payment endpoints with request/response examples.

Payment Process

1. Get Supported Payment Methods

First, retrieve available payment methods for the transaction:

POST /supported-payment-methods

This returns available payment methods with their charges, fees, and metadata.

2. Customer Selects Payment Method

Customer reviews options and selects their preferred payment method.

3. Process Payment

Depending on the selected method: Wallet Payment:

POST /makepaymentfromwalletaccount

Card Payment:

POST /process-card-payment

Bank Transfer:

PUT /bank-iwillpaylater-wallet/{pcn}/{payableType}

4. Track Payment Status

Monitor payment status through:

GET /awaiting-payments

View Complete Flow

Detailed step-by-step payment processing flow.

Supported Features

Multi-Currency Support

Process payments in multiple currencies
Automatic currency conversion where applicable
Currency-specific payment method availability

Payment Gateway Integration

Flutterwave (Rave)
Stripe
SecureTrading
PayPal
Custom payment gateways

Charge Calculation

Automatic fee calculation based on payment method
Tax calculation
Payment method fees
Currency conversion fees

Learn More

View payment method charges.

Testing & Sandbox

We provide a full-featured sandbox environment for testing:

Sandbox URL: https://{domain}.fincode.software
Test credentials: Provided upon registration
Mock payment gateways: Simulate payment processing
No real money: All transactions are simulated

Use the sandbox to test all payment flows, edge cases, and error handling before going live.

Integration Models

We support flexible integration approaches:

Full Payment Journey
API-Only

End-to-End Integration

Build the complete payment experience within your application, managing the entire customer journey from payment initiation to confirmation.Flow:

Create payable item
Fetch supported payment methods
Customer selects payment method
Process payment
Confirm payment
Complete transaction

Documentation:

Direct API Integration

If you manage your own payment interface, you can integrate our payment APIs directly into your system.Flow:

Your System (Payment Interface) 
       ↓
Submit Payment Request (via API)
       ↓
Our System (Payment Processing)
       ↓
Your System (Receive Status Updates)
       ↓
Payment Completed / Failed

What You Handle:

Payment interface and experience
Payment method selection UI
Status display and notifications

What We Handle:

Payment gateway integration
Payment processing
Payment verification
Transaction tracking

All payment operations are accessible via our REST APIs. See the API Reference for details.

Next Steps

Payment Flow

Visualize the complete payment journey with detailed diagrams

Payment Lifecycle

Understand payment states and transitions from initiation to completion

Wallet Payments

Learn about wallet-based payment processing

Start Integrating

Jump into the API documentation and begin building

Getting Started

Core Flows

API Endpoints

​What is Deposit Management?

​Key Features

Multi-Payment Support

Real-Time Processing

Awaiting Payments

Payment Gateway Integration

Wallet Integration

API-First Design

​How It Works

​Core Concepts

​Payment Lifecycle

Learn More

​Payable Items

Learn More

​Payment Methods

Learn More

​Awaiting Payments

Learn More

​Integration Quick Start

Complete API Reference

​Payment Process

​1. Get Supported Payment Methods

​2. Customer Selects Payment Method

​3. Process Payment

​4. Track Payment Status

View Complete Flow

​Supported Features

​Multi-Currency Support

​Payment Gateway Integration

​Charge Calculation

Learn More

​Testing & Sandbox

​Integration Models

​End-to-End Integration

​Direct API Integration

​Next Steps

Payment Flow

Payment Lifecycle

Wallet Payments

Start Integrating

What is Deposit Management?

Key Features

How It Works

Core Concepts

Payment Lifecycle

Payable Items

Payment Methods

Awaiting Payments

Integration Quick Start

Payment Process

1. Get Supported Payment Methods

2. Customer Selects Payment Method

3. Process Payment

4. Track Payment Status

Supported Features

Multi-Currency Support

Payment Gateway Integration

Charge Calculation

Testing & Sandbox

Integration Models

End-to-End Integration

Direct API Integration

Next Steps