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Songhai Exchange(SHE) is Fincode’s payment switching platform that facilitates cross-border transactions, enabling services such as bank transfers, mobile money payments, and wallet management across multiple currencies and countries.

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Base URL

All API requests for the staging environment should be sent to:

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Authentication

The API uses OAuth2 for security.
  1. Generate Token: Call the POST /oauth/token endpoint using Basic Authentication (Client ID and Secret) along with your username and password.
  2. Make Requests: Use the returned access_token as a Bearer token in the Authorization header for all protected endpoints.

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Transaction Reference (PCN)

Every transaction is identified by a unique Reference Code (often referred to as PCN). This code is generated by you (the partner) and must be unique for every request. It is used to:
  • Track the status of a transaction.
  • Reconcile payments.

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Reference Data

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Transaction Types

Use these values for the transaction_type field.

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Transaction Purposes

Use these values for the transaction_purpose field.

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Beneficiary Relationships

Common values for beneficiaryRelationship: FRIENDS, PARENTS, RELATIVES, SPOUSE, SIBLING, SELF, BUSINESS_PARTNER, etc.

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Document Types

Documents required for KYC/Compliance.

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Response Statuses

The lifecycle status of a transaction.

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Response Codes

Specific error or success codes returned in msg_code.

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HTTP Status Codes

Client Errors Server Errors