Payment

The user is provided with wallet details to which payment must be made.
The user makes a payment in their wallet app and receives a unique transaction number.
Next, the user enters a unique transaction number in the payment window, after which the transaction is activated.
Paykassma sends a postback to the merchant's side.
Funds are credited to the user’s balance on the merchant platform.

Payment window integration (plugin)

Example of a link to open a Nagad payment window:

`https://plugin.{server_URL}/?label=label&currency_code=BDT&lang=lang&wallet_type=nagad&custom_transaction_id=custom_transaction_id&fixed_amount=fixed_amount`&payment_url_success_id=2 `&payment_url_pending_id=3` &payment_url_fail_id=1 &success_url=hash &fail_url=hash `&pending_url=hash`

wallet_type=nagad
currency_code=BDT 
Available languages (lang): en, bn

Pay attention to the description of the parameters payment_url_success_id / payment_url_fail_id/ payment_url_pending_id and success_url / fail_url / pending_url.
To use payment_url_success_id / payment_url_fail_id / payment_url_pending_id you need to send the URLs to Paykassma support and use the received IDs in the parameters.
To use success_url / fail_url / pending_url you must use hashing URLs ( For more details on hashing click here ).

For the description of all the plug-in parameters click here.

API integration

Creating payment

URL: https://api.{server_URL}/api/v1/transaction/create/nagad?secret={pluginapi_secret}

At this stage, we provide the details of the wallet to which the user must make a payment.

Request method:

POST

Format:
JSON

Parameters:

Name	Type	Required	Max Length	Description
currency	string	yes	3	Currency code
label	string	yes	190	The unique identifier (ID) of the user who makes the payment.

{
  'currency': 'BDT', 
  'label': 'eligendi'
}

{
    "status": "ok",
    "params": {
        "identifier": "324342342",
		"account_type": "personal" //Wallet account type. Possible values: agent - agent account, personal - personal account, merchant - merchant account
    }
}

{
    'status': 'fail'
    'message': 'MESSAGE'
}

Payment type for Nagad account types

The user goes to the Nagad service and makes payments there depending on the account type of the provided wallet.

To a personal account: via "Send money":

To an agent account: via "Cash out":

To merchant account: via "Make Payment":

Activation request

URL: http://api.{server_URL}/api/v1/transaction/activate?secret={pluginapi_secret}

At this stage, the user sends the transaction number, which you send to Paykassma for activation.

Request method:
POST

Format:
JSON

Parameters:

Name	Type	Required	Max Length	Description
currency_code	string	yes	3	Currency code.
wallet_type	string	yes	190	Method (PS).
label	string	yes	190	The unique identifier (ID) of the user who makes the payment.
key1	string	yes	190	Transaction ID received from the user. Nagad - 10 symbol, letters and numbers.
amount	float	yes	256	Amount of transaction.
custom_transaction_id	string	yes	190	Transaction ID in the Client's system. Must be unique.

{
    "currency_code": "BDT",
    "wallet_type": "nagad",
    "label": "55",
    "amount": 500,
    "key1": "AAD6DHSAVC",
    "custom_transaction_id": "123465477897"
}

{
    "status": "ok",
    "deposit": true,
    "deposit_amount": 500,
    "currency": {
        "code": "BDT",
        "symbol": "BDT"
    }
}

{
    "status": "pending",
    "message": "The deposit status check has been started. The operation may take longer than expected. Upon completion of the verification, the funds will be credited to your account"
}

{
    "status": "possible_transaction_created",
    "message": "Transaction not found. Possible transaction created"
}

{
    'status': 'fail'
    'message': 'MESSAGE'
}

Deposit postback

For the general documentation on post backs click here.

Example of a postback for a Nagad deposit

{
    "signature": "56beb10ead1cd49475f1e16dd668a29fff3d4fb9",
    "wallet_type": "nagad",
    "amount": 600,
    "currency_code": "BDT",
    "label": "234",
    "converted_amount": {"USD": 5.5, "INR": 458, "EUR": 5.05, "IDR": 84206.21, "MYR": 25.57, "VND": 131151.4, "SGD": 7.47, "THB": 193.98, "NGN": 4209.6, "TRY": 148.98, "AED": 20.19, "CAD": 7.46, "AUD": 8.62, "BDT": 600, "AFN": 462.19, "ALL": 535.91, "AMD": 2119.43, "AOA": 4550.8, "ARS": 1918.56, "AWG": 9.89, "AZN": 9.34, "BAM": 9.87, "BBD": 10.99, "BGN": 9.9, "BHD": 2.07, "BIF": 15540.93, "BMD": 5.5, "BND": 7.45, "BOB": 37.88, "BRL": 27.32, "BSD": 5.5, "BTC": 0.00021022, "BTN": 455.77, "BWP": 74.58, "BYN": 13.84, "BZD": 11.05, "CDF": 13600.07, "CHF": 4.85, "CLF": 0.17, "CLP": 4753.93, "CNH": 40.18, "CNY": 40.02, "COP": 22536.26, "CRC": 2925.32, "CUC": 5.5, "CUP": 141.53, "CVE": 556.43, "CZK": 121.42, "DJF": 976.05, "DKK": 37.67, "DOP": 311.1, "DZD": 749.34, "EGP": 169.39, "ERN": 82.44, "ETB": 302.52, "FJD": 12.49, "FKP": 4.32, "GBP": 4.32, "GEL": 14.4, "GGP": 4.32, "GHS": 62.02, "GIP": 4.32, "GMD": 332.79, "GNF": 47102.19, "GTQ": 43.03, "GYD": 1148.02, "HKD": 43.04, "HNL": 134.9, "HRK": 38.09, "HTG": 745.53, "HUF": 1939.28, "ILS": 20.81, "IMP": 4.32, "IQD": 7179.8, "IRR": 232348.9, "ISK": 725.15, "JEP": 4.32, "JMD": 846.56, "JOD": 3.89, "JPY": 799.22, "KES": 782.37, "KGS": 485.14, "KHR": 22726.5, "KMF": 2487, "KPW": 4946.52, "KRW": 7365.69, "KWD": 1.69, "KYD": 4.57, "KZT": 2489.17, "LAK": 106934.11, "LBP": 82282.64, "LKR": 1770.53, "LRD": 1023.65, "LSL": 104.54, "LYD": 26.44, "MAD": 54.04, "MDL": 97.44, "MGA": 24817.48, "MKD": 310.95, "MMK": 11511.47, "MNT": 18961.65, "MOP": 44.22, "MRO": 0, "MRU": 207.84, "MUR": 249.7, "MVR": 84.5, "MWK": 5945.5, "MXN": 93.75, "MZN": 351.07, "NAD": 105.03, "NIO": 200.54, "NOK": 58.55, "NPR": 729.23, "NZD": 9.28, "OMR": 2.11, "PAB": 5.5, "PEN": 20.39, "PGK": 19.99, "PHP": 308.95, "PKR": 1628.08, "PLN": 22.54, "PYG": 39804.77, "QAR": 19.98, "RON": 25, "RSD": 591.72, "RUB": 517.19, "RWF": 6485.95, "SAR": 20.61, "SBD": 46, "SCR": 74.05, "SDG": 3303.17, "SEK": 60.26, "SHP": 4.32, "SLL": 115251.1, "SOS": 3121.61, "SRD": 209.95, "SSP": 715.93, "STD": 122463.67, "STN": 123.63, "SVC": 47.96, "SYP": 13809.19, "SZL": 104.52, "TJS": 60.22, "TMT": 19.24, "TND": 16.96, "TOP": 13.14, "TTD": 37.18, "TWD": 175.39, "TZS": 13731.9, "UAH": 202.45, "UGX": 20472.66, "UYU": 207.44, "UZS": 66206.92, "VEF": 0, "VES": 173.52, "VUV": 652.51, "WST": 14.94, "XAF": 3310.73, "XAG": 0.24, "XAU": 0, "XCD": 14.85, "XDR": 4.11, "XOF": 3310.73, "XPD": 0, "XPF": 602.29, "XPT": 0.01, "YER": 1375.96, "ZAR": 104.77, "ZMW": 106.21, "ZWL": 1769.75, "ETH": 0.00327932, "LTC": 0.0848166, "DOGE": 86.06973908, "DASH": 0.20288551, "BCH": 0.02900566, "ZEC": 0.21915246, "ETC": 0.35471858, "XRP": 10.16340924, "TRX": 72.59371303, "XLM": 41.90497255, "WAVES": 3.60487891, "USDT": 5.49542797, "USDTTRC20": 0, "USDT20": 0},
    "direction": "ingoing",
    "created_datetime": "2023-08-20 19:04:08",
    "access_key": "FQ9jMwrNSkFbyMNqYFf6Ed4xeKmjHK",
    "additional_data": [
        {
            "activated_datetime": "2023-08-20 22:04:07",
            "exchanger_identifier": null,
            "comment": "",
            "amount": "600",
            "currency_code": "BDT",
            "wallet_type": "nagad",
            "stockpiling_id": 1061,
            "transaction_id": "52AD1EA4",
            "transaction_type": 1,
            "plugin_custom_order_id": "1234",
            "withdrawal_id": null,
            "withdrawal_status": null,
            "account_number": "",
            "account_name": "",
            "account_email": "",
            "bank_details": {
                "bank_code": "",
                "branch_code": ""
            }
        }
    ]
}

The Paykassma server is waiting for a response in json {"status": "ok"} response code 200, otherwise, when receiving a different response, Paykassma will forward the postback with a certain frequency.
Repeated postbacks must also be answered with {"status":"ok"} response code 200.

Withdrawals for users

For the general documentation on the withdrawals of funds click here.

Withdrawal request

URL: https://api.{server_URL}/v2/withdrawal/create

Request method:

POST

Format:
JSON

Parameters:

Name	Type	Required	Description
withdrawal_id	string(1-36)	yes	Withdrawal ID, if the parameter is not passed, then the system generates withdrawal _id.
payment_system	string	yes	Payment system.
amount	int	required	Additional requirements: amount >= The value of the set minimum value; amount <=The value of the set maximum value.
currency_code	string(3)	yes	Currency code.
is_test	boolean	yes	The is_test parameter possible values: true - if Withdrawal is test; false - if Withdrawal is real.
label	string(1-36)	yes	The unique identifier (ID) of the user who makes the payment.
account_email	string	yes	Email of the account holder.
account_number	string	yes	Nagad account number, 11 digts, example "01XXXXXXXXX".
signature	string	yes	Signature generated with private_key.

{
"withdrawal_id": "af84c26f-931d-4c28-a30d-7b75e46b7685",
"payment_system": "nagad",
"amount": 6000,
"currency_code": "BDT",
"is_test": true,
"label": "c81594cc-e4b1-4ed5-914c-3817f2ccf13a",
"account_email": "[email protected]",
"account_number": "01642234663",
"signature": "98565041a9e126d325e864da0ba3d467f6ab0566"
}

{
    "status": "ok",
}

{
    'status': 'fail'
    'message': 'MESSAGE'
}

*If, when trying to create a withdrawal request, the amount of account balances in the currency of the request is less than the total amount of new and still incomplete applications, the error message"Insufficient balance" will be displayed (to configure this functionality, contact the TP Paykassma).

{
    "status": "fail",
    "message": {
        "withdrawals_sum_amount": [
            "Insufficient balance"
        ]
    }
}

Example of a postback for a Nagad withdrawal

{
    "signature": "c36db9e7c7b45d429ee0ec5e4d2978cea1431287",
    "wallet_type": "nagad",
    "amount": 1000,
    "currency_code": "BDT",
    "label": "53928",
    "converted_amount": {"USD": 9.21, "INR": 759, "EUR": 8.41, "IDR": 139483.61, "MYR": 41.62, "VND": 218201.75, "SGD": 12.31, "THB": 316.46, "NGN": 7099.48, "TRY": 248.35, "AED": 33.83, "CAD": 12.24, "AUD": 13.94, "BDT": 1000, "AFN": 784.38, "ALL": 854.5, "AMD": 3556.83, "AOA": 7606.75, "ARS": 2535.36, "AWG": 16.6, "AZN": 15.66, "BAM": 16.4, "BBD": 18.42, "BGN": 16.41, "BHD": 3.47, "BIF": 26092.95, "BMD": 9.21, "BND": 12.29, "BOB": 63.67, "BRL": 43.91, "BSD": 9.21, "BTC": 0.00031913, "BTN": 758.01, "BWP": 121.08, "BYN": 23.26, "BZD": 18.57, "CDF": 22850.58, "CHF": 8.08, "CLF": 0.28, "CLP": 7755.8, "CNH": 66.11, "CNY": 66.02, "COP": 36235.92, "CRC": 4997.9, "CUC": 9.21, "CUP": 237.17, "CVE": 925.12, "CZK": 201.13, "DJF": 1640.56, "DKK": 62.65, "DOP": 518.32, "DZD": 1249.95, "EGP": 284.6, "ERN": 138.15, "ETB": 507.65, "FJD": 20.43, "FKP": 7.22, "GBP": 7.22, "GEL": 23.81, "GGP": 7.22, "GHS": 104.44, "GIP": 7.22, "GMD": 552.62, "GNF": 79269.03, "GTQ": 72.45, "GYD": 1927.74, "HKD": 71.79, "HNL": 226.67, "HRK": 63.34, "HTG": 1257.74, "HUF": 3275.81, "ILS": 33.61, "IMP": 7.22, "IQD": 12070.64, "IRR": 389595.44, "ISK": 1213.18, "JEP": 7.22, "JMD": 1423.49, "JOD": 6.52, "JPY": 1319.56, "KES": 1312.1, "KGS": 808.5, "KHR": 38055.79, "KMF": 4123.91, "KPW": 8289.26, "KRW": 11882.19, "KWD": 2.83, "KYD": 7.68, "KZT": 4095.55, "LAK": 178505.27, "LBP": 138302.79, "LKR": 2939.27, "LRD": 1716.8, "LSL": 163.89, "LYD": 44.04, "MAD": 90.75, "MDL": 164.7, "MGA": 41554.64, "MKD": 517.13, "MMK": 19349.5, "MNT": 31775.51, "MOP": 73.97, "MRO": 0, "MRU": 351.04, "MUR": 416.31, "MVR": 141.38, "MWK": 9706.21, "MXN": 154.95, "MZN": 586.93, "NAD": 164.5, "NIO": 337.1, "NOK": 94.28, "NPR": 1212.8, "NZD": 15, "OMR": 3.55, "PAB": 9.21, "PEN": 33.21, "PGK": 33.18, "PHP": 505.49, "PKR": 2649.6, "PLN": 37.25, "PYG": 67026.01, "QAR": 33.58, "RON": 41.46, "RSD": 986.28, "RUB": 848.04, "RWF": 10826.27, "SAR": 34.56, "SBD": 76.89, "SCR": 123.02, "SDG": 5539.99, "SEK": 98, "SHP": 7.22, "SLL": 193135.26, "SOS": 5246.97, "SRD": 355.72, "SSP": 1199.73, "STD": 205221.93, "STN": 205.35, "SVC": 80.62, "SYP": 23141.14, "SZL": 163.79, "TJS": 100.94, "TMT": 32.33, "TND": 28.37, "TOP": 21.65, "TTD": 62.58, "TWD": 291, "TZS": 22661.57, "UAH": 340.28, "UGX": 33433.14, "UYU": 347.09, "UZS": 107190.46, "VEF": 0, "VES": 271.47, "VUV": 1093.46, "WST": 25.04, "XAF": 5514.18, "XAG": 0.38, "XAU": 0, "XCD": 24.89, "XDR": 6.86, "XOF": 5514.18, "XPD": 0.01, "XPF": 1003.14, "XPT": 0.01, "YER": 2305.34, "ZAR": 166.99, "ZMW": 174.84, "ZWL": 2965.71, "ETH": 0.00502918, "LTC": 0.1013311, "DOGE": 119.5468743, "DASH": 0.29575773, "BCH": 0.03805325, "ZEC": 0.30984009, "ETC": 0.50497011, "XRP": 13.35802786, "TRX": 117.94919758, "XLM": 62.13565895, "WAVES": 4.85538562, "USDT": 9.2134184, "USDTTRC20": 0, "USDT20": 0},
    "direction": "outgoing",
    "created_datetime": "2023-08-01 13:30:03",
    "access_key": "FQ9jMwrNSkFbyMNqYFf6Ed4xeKmjHK",
    "additional_data": [
        {
            "activated_datetime": "",
            "exchanger_identifier": "",
            "comment": "1",
            "amount": "1000",
            "currency_code": "BDT",
            "wallet_type": "nagad",
            "stockpiling_id": null,
            "transaction_id": "",
            "transaction_type": null,
            "plugin_custom_order_id": "",
            "withdrawal_id": "10304",
            "withdrawal_status": 5,
            "account_number": "123456789013",
            "account_name": "",
            "account_email": "",
            "bank_details": {
                "bank_code": null,
                "branch_code": null
            }
        }
    ]
}

The Paykassma server is waiting for a response in json {"status": "ok"} response code 200, otherwise, when receiving a different response, Paykassma will forward the postback with a certain frequency.
Repeated postbacks must also be answered with {"status":"ok"} response code 200.

After processing the withdrawal, Paykassma will send a postback about the withdrawal result with status, signed with a signature.

Withdrawal statuses

1	SUCCESS	Status for withdrawal when the withdrawal request has been successfully processed.
5	FAIL	Status for withdrawal when the withdrawal request was rejected.

Creating withdrawal request in Paykassma BO

To create a withdrawal request, you need to go to the Withdrawals page Payments → Withdrawals and perform the following steps

Press the button Add withdrawal request.
Select payment system from list.
Fill in the fields to create the request in the next window (the list of fields is standardized and not all fields are required. To create a request for a specific PS, you should fill in the required fields for this PS).
Required fields for Nagad payout:
- Label (user ID)
- Amount
- Currency code
- Wallet recipient
- Recipient's email

4. After payment the withdrawal status will change.

PayKassma does not send postback for withdrawals created manually.