Direct Bank Transfer

The Direct Bank Transfer payment method allows customers to complete payments by transferring funds directly from their bank account to the account details provided during the transaction.

URL: {BASEURL}/pay

Field Name	Structure/Key	Type	Description
Transaction ID	transaction_id	string	This is the unique identifier for the transaction
Merchant ID	merchant_id	string	This is the unique identifier assigned to a merchant, used to associate transactions and requests with the correct merchant account
Wallet Currency	currency	string	Specifies the currency in which the transaction is conducted, typically represented using the ISO 4217 currency code (e.g., KSH, GHS, NGN etc). Note that this must correspond with the wallet you have created on your account.
Payment Detail	payment_details	Object	Contains detailed information about the payment
Mobile Money	payment_details.momo_number	string	The active phone number.
Customer Email	payment_details.customer_email	string	The payer’s email
Customer First name	payment_details.customer_firstname	string	The payer or customer first name
Customer Last name	payment_details.customer_lastname	string	The payer or customer last name
Description	payment_details.description	string	A brief note about the payment, such as the purpose of the transaction or details for the payer. This helps provide context for both the merchant and the customer.
Payment Method ID	payment_method_id	string	A Brij-generated unique ID identifying the payment method used in the transaction.
Amount	amount	Numeric string	The total value of the transaction to be processed, represented as a string of digits (e.g., "5000").

PHP

<?php
$curl = curl_init();
curl_setopt_array($curl, array(
  CURLOPT_URL => '{{BaseURL}}/pay',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS =>'{
    "transaction_id": "Your Merchant Transaction ID",
    "merchant_id": "Brij Merchant ID",
    "currency": "Wallet Currency",
    "payment_details": {
        "momo_number": "+233500XXXXX",
        "customer_email": "Customer Email",
        "customer_firstname": "Customer First name",
        "customer_lastname": "Customer Last name"
    },
    "payment_method_id": "Payment Method ID",
    "amount": "200"
}
',
  CURLOPT_HTTPHEADER => array(
    'X-Requested-With: XMLHttpRequest',
    'Content-Type: application/json',
    'Authorization: Bearer YOUR_SECRET_KEY'
  ),
));
$response = curl_exec($curl);
curl_close($curl);
echo $response;

Node

var request = require('request');
var options = {
  'method': 'POST',
  'url': '{{BaseURL}}/pay',
  'headers': {
    'X-Requested-With': 'XMLHttpRequest',
    'Content-Type': 'application/json',
    'Authorization': 'Bearer YOUR_SECRET_KEY'
  },
  body: JSON.stringify({
    "transaction_id": "Your Merchant Transaction ID",
    "merchant_id": "Your Merchant ID",
    "currency": "Wallet Currency",
    "payment_details": {
      "momo_number": "+2348032xxx",
      "customer_email": "Customer Email",
      "customer_firstname": "Customer First name",
      "customer_lastname": "Customer Last name"
    },
    "payment_method_id": "Payment Method ID",
    "amount": "Transaction Amount"
  })

};
request(options, function (error, response) {
  if (error) throw new Error(error);
  console.log(response.body);
});

Curl

curl --location '{{BaseURL}}/pay' \
--header 'X-Requested-With: XMLHttpRequest' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer YOUR_SECRET_KEY' \
--data-raw '{
    "transaction_id": "Your Merchant Transaction ID",
    "merchant_id": "Brij Merchant ID",
    "currency": "NGN",
    "payment_details": {
        "momo_number": "+234803xxxxxx",
        "customer_email": "Customer Email",
        "customer_firstname": "Customer First name",
        "customer_lastname": "Customer Last name"
    },
    "payment_method_id": "Payment Method ID",
    "amount": "200"
}
'

{
   "status": 200,
   "data": {
       "currency": "Currency",
       "amount": "Transaction Amount",
       "bank_name": "Bank Name",
       "expires_at": "Transaction Request Window",
       "transaction_id": "Brij Assigned Transaction ID",
       "bank_account_number": "Virtual Account Number",
       "beneficiary_name": "Merchant Business Name"
   },
   "message": "Proceed to your banking application to send payment to the account details provided"
}

Response