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Overview

Bank transfer capture generates a virtual account where the customer can deposit funds. This is an asynchronous process - you’ll receive webhook notifications when the transfer is detected and completed.

Virtual accounts are typically valid for 24 hours. Monitor the expires_at field in the response to know when the account will expire.

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Capture Flow

1

Generate Virtual Account

Call the capture endpoint to get bank account details

2

Customer Transfer

Customer initiates transfer to provided account

3

Payment Detection

System detects incoming transfer

4

Confirmation

Receive webhook notification of successful payment

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Endpoint

POST /payment-sessions/{payment_id}

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Path Parameters

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payment_id
string
required

The ID of the payment session to capture

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Request Example

curl -X POST "https://api.spendjuice.com/payment-sessions/265710b4-255d-11ee-add2-2ae94e9097ac" \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json"

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Response Example

{
  "data": {
    "auth_type": null,
    "expires_at": "2024-03-20T11:56:43.482556Z",
    "links": {},
    "message": "Waiting for payment resolution",
    "payment": {
      "amount": 100000,
      "cancellation_reason": null,
      "correlation_id": "26571e60-255d-11ee-b2a8-2ae94e9097ac",
      "currency": "NGN",
      "customer": {
        "billing_address": {
          "city": "Ikeja",
          "country": "NG",
          "line1": "1, Church Street",
          "line2": "235 Hello Drive",
          "state": "Lagos State",
          "zip_code": "23401"
        },
        "email": "customer@example.com",
        "first_name": "John",
        "last_name": "Doe"
      },
      "date": "2024-03-19T11:20:50.050770Z",
      "description": "Product Purchase",
      "id": "265710b4-255d-11ee-add2-2ae94e9097ac",
      "metadata": {
        "order": {
          "identifier": "ORD12345",
          "items": [
            {
              "name": "Premium Package",
              "type": "digital"
            }
          ]
        }
      },
      "mode": "live",
      "payment_method": {
        "account_name": "JUICE PAYMENTS",
        "account_number": "7650266816",
        "account_type": "savings",
        "bank_name": "Wema Bank",
        "id": "498c981d-b549-47c1-bb26-abc798b7f398",
        "type": "bank_account"
      },
      "reference": "ord_1234567890",
      "status": "pending"
    },
    "status": "pending"
  }
}

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Processing Times

Average Processing Times

  • NGN transfers: 5-15 minutes
  • USD transfers: 1-3 business days
  • CAD transfers: 1-2 business days

Times may vary based on:

  • Bank network status
  • Time of day
  • Transaction volume

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Webhook Events

Monitor these webhook events for transfer status:

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Best Practices

  1. Display Information

    • Show account details clearly
    • Include transfer instructions
    • Display expiration time
    • Show expected processing time

  2. Error Handling

    • Handle expired accounts
    • Implement retry logic
    • Monitor transfer status
    • Log all webhook events

  3. User Experience

    • Provide clear transfer instructions
    • Display payment status updates
    • Send email/SMS notifications
    • Include support contact info

Need Help?

For assistance with bank transfers:

CardsStablecoins payment