Documentation Index
Fetch the complete documentation index at: https://docs.fincode.technology/llms.txt
Use this file to discover all available pages before exploring further.
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.
Base URL
All API requests for the staging environment should be sent to:
https://api.stag.songhaiexchange.io
Authentication
The API uses OAuth2 for security.
- Generate Token: Call the
POST /oauth/token endpoint using Basic Authentication (Client ID and Secret) along with your username and password.
- Make Requests: Use the returned
access_token as a Bearer token in the Authorization header for all protected endpoints.
Authorization: Bearer <your_access_token>
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.
Reference Data
Transaction Types
Use these values for the transaction_type field.
| Value | Description |
|---|
AIRTIME_TOPUP | Airtime Top-up |
ACCOUNTPAYMENT | Bank Transfer |
ACCOUNTPAYMENT_DEBIT_CARD | Debit Card |
ACCOUNTPAYMENT_CREDIT_CARD | Credit Card |
CASHPICKUP | Cash Pickup |
CURRENCY_CONVERTER | Bureau de Change |
CRYPTO_CURRENCY | Cryptocurrency |
BILL_PAYMENT | Bill Payment |
WALLET | Wallet |
MERCHANT_PRODUCT | Merchant Product |
MOBILE_MONEY | Mobile Money |
MERCHANT_PAYMENT | Merchant Payment |
Transaction Purposes
Use these values for the transaction_purpose field.
| Value | Description |
|---|
FAMILY_SUPPORT | Family support |
EDUCATION | Education |
GIFT_AND_DONATION | Gift and other donations |
MEDICAL_TREATMENT | Medical treatment |
MAINTENANCE_EXPENSES | Maintenance or other expenses |
TRAVEL | Travel |
SMALL_VALUE_REMITTANCE | Small value remittance |
LIBERALIZED_REMITTANCE | Liberalized remittance |
OTHER | Other purposes |
Beneficiary Relationships
Common values for beneficiaryRelationship: FRIENDS, PARENTS, RELATIVES, SPOUSE, SIBLING, SELF, BUSINESS_PARTNER, etc.
Document Types
Documents required for KYC/Compliance.
| Value |
|---|
| Passport |
| National Id |
| Driving License |
| Voter’s card |
| Proof of Address |
| Customer declaration form |
| Certificate of Incorporation |
| … (and others) |
Response Statuses
The lifecycle status of a transaction.
| Status | Description | Lifecycle |
|---|
SUCCESS | Instruction successfully received. | Incomplete |
PAID | Successfully paid out to beneficiary. | Completed |
FAILED | Processed but unsuccessful. | Completed |
PENDING | Sent to beneficiary bank, awaiting confirmation. | Incomplete |
READY_TO_CALL | Queued to be sent to beneficiary bank. | Incomplete |
PROCESSING | Queued for processing. | Incomplete |
CANCEL | Instruction canceled. | Completed |
ERROR | Technical issue occurred. | Completed |
Response Codes
Specific error or success codes returned in msg_code.
| Code | Status | Description |
|---|
00 | PAID | Paid successfully |
0000 | PENDING | Awaiting processing |
0001 | FAILED | Invalid Bank Account Number |
0002 | FAILED | Recipient Contact Details Invalid |
0005 | FAILED | Invalid Bank Code |
0030 | FAILED | Insufficient Funds |
0042 | PENDING | Ready to Call (Queued) |
50004 | FAILED | Unknown Error / Transaction Failed |
HTTP Status Codes
Client Errors
| Code | Description |
|---|
400 | Bad Request |
401 | Unauthorized |
403 | Forbidden |
404 | Not Found |
429 | Too Many Requests (implied) |
| Code | Description |
|---|
500 | Internal Server Error |
502 | Bad Gateway |
503 | Service Unavailable |
504 | Gateway Timeout |
