Bank Transfer

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.

Capture Flow

Generate Virtual Account

Call the capture endpoint to get bank account details

Customer Transfer

Customer initiates transfer to provided account

Payment Detection

System detects incoming transfer

Confirmation

Receive webhook notification of successful payment

Endpoint

POST /payment-sessions/{payment_id}

Path Parameters

string

required

The ID of the payment session to capture

Request Example

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

const response = await fetch(
  'https://api.spendjuice.com/payment-sessions/265710b4-255d-11ee-add2-2ae94e9097ac',
  {
    method: 'POST',
    headers: {
      'Authorization': ' YOUR_API_KEY',
      'Content-Type': 'application/json'
    }
  }
);

const result = await response.json();

import requests

response = requests.post(
    'https://api.spendjuice.com/payment-sessions/265710b4-255d-11ee-add2-2ae94e9097ac',
    headers={
        'Authorization': ' YOUR_API_KEY',
        'Content-Type': 'application/json'
    }
)

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",
      "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"
  }
}

Processing Times

Average Processing Times

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

Times may vary based on:

Bank network status
Time of day
Transaction volume

Webhook Events

Monitor these webhook events for transfer status:

payment.session.created

Virtual account generated successfully

deposit.received

Transfer detected but not yet confirmed

payment.session.succeeded

Transfer confirmed and credited

payment.session.failed

Transfer failed or expired

Best Practices

Display Information
- Show account details clearly
- Include transfer instructions
- Display expiration time
- Show expected processing time
Error Handling
- Handle expired accounts
- Implement retry logic
- Monitor transfer status
- Log all webhook events
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:

Home

Customers

Payments

Payment Transactions

Transfers

Exchange

Wallet As A Service

Overview

Capture Flow

Endpoint

Path Parameters

Request Example

Response Example

Processing Times

Webhook Events

Best Practices

Need Help?

​Overview

​Capture Flow

​Endpoint

​Path Parameters

​Request Example

​Response Example

​Processing Times

​Webhook Events

​Best Practices

Need Help?

Overview

Capture Flow

Endpoint

Path Parameters

Request Example

Response Example

Processing Times

Webhook Events

Best Practices