Bank Payins

Introduction

Bank Payins allow you to receive payments directly from customer bank accounts.
With the Global Payments API, businesses can seamlessly collect funds from local and international banks across 35+ countries.

Why Bank Payins?

• Direct Bank Payments: Customers pay straight from their bank accounts into your platform.
• Secure & Compliant: All transactions follow strict banking and regulatory standards.
• Instant Confirmation: Get notified as soon as a bank transfer is processed.

Endpoint

POST https://api.mypayd.app/api/v3/payments

Authorization

Every request must include authentication headers:

AUTHORIZATION: Basic Auth

Username  <username>
Password  <password>

Request Body

The request body should include the necessary parameters for the transaction. We will need to add the customer Information to pick the customer KYC.

basic title : "json"
{
  "username": "techconsultants",
  "account_name": "bank",
  "amount": 210,
  "phone_number": "+278123456789",
  "channel_id": "1cd9ece9-461a-4157-9140-35c9c2e69c3d",
  "redirect_url": "https://payd-test.free.beeceptor.com",
  "narration": "Payment for goods",
  "currency": "ZAR",
  "callback_url": "https://payd-test.free.beeceptor.com",
  "transaction_channel": "bank"
}

Below are code examples in different programming languages demonstrating how to receive bank payments from different banks worldwide.

Curl

curl --location 'https://api.mypayd.app/api/v3/payments' 
--header 'Content-Type: application/json' 

--data-raw '{
"username": "techconsultants",
"account_name": "bank",
"amount": 210,
"phone_number": "+278123456789",
"channel_id": "1cd9ece9-461a-4157-9140-35c9c2e69c3d",
"redirect_url": "https://payd-test.free.beeceptor.com",
"narration": "Payment for goods",
"currency": "ZAR",
"callback_url": "https://payd-test.free.beeceptor.com",
"transaction_channel": "bank"
}

Go

package main

import (
"fmt"
"strings"
"net/http"
"io/ioutil"
)

func main() {
url := "https://api.mypayd.app/api/v3/payments"
method := "POST"

payload := strings.NewReader(`{
"username": "techconsultants",
"account_name": "bank",
"amount": 210,
"phone_number": "+278123456789",
"channel_id": "1cd9ece9-461a-4157-9140-35c9c2e69c3d",
"redirect_url": "https://payd-test.free.beeceptor.com",
"narration": "Payment for goods",
"currency": "ZAR",
"callback_url": "https://payd-test.free.beeceptor.com",
"transaction_channel": "bank"
}`)

client := &http.Client{}
req, err := http.NewRequest(method, url, payload)
if err != nil {
fmt.Println(err)
return
}
req.Header.Add("Content-Type", "application/json")

res, err := client.Do(req)
if err != nil {
fmt.Println(err)
return
}
defer res.Body.Close()

body, _ := ioutil.ReadAll(res.Body)
fmt.Println(string(body))
}

Nodejs

var axios = require('axios');
var data = JSON.stringify({
  "username": "techconsultants",
  "account_name": "bank",
  "amount": 210,
  "phone_number": "+278123456789",
  "channel_id": "1cd9ece9-461a-4157-9140-35c9c2e69c3d",
  "redirect_url": "https://payd-test.free.beeceptor.com",
  "narration": "Payment for goods",
  "currency": "ZAR",
  "callback_url": "https://payd-test.free.beeceptor.com",
  "transaction_channel": "bank"
});

var config = {
  method: 'post',
  url: 'https://api.mypayd.app/api/v3/payments',
  headers: { 'Content-Type': 'application/json' },
  data: data
};

axios(config)
.then(function (response) {
  console.log(JSON.stringify(response.data));
})
.catch(function (error) {
  console.log(error);
});

Python

import requests
url = "https://api.mypayd.app/api/v3/payments"
payload = {
  "username": "techconsultants",
  "account_name": "bank",
  "amount": 210,
  "phone_number": "+278123456789",
  "channel_id": "1cd9ece9-461a-4157-9140-35c9c2e69c3d",
  "redirect_url": "https://payd-test.free.beeceptor.com",
  "narration": "Payment for goods",
  "currency": "ZAR",
  "callback_url": "https://payd-test.free.beeceptor.com",
  "transaction_channel": "bank"
}
headers = { "Content-Type": "application/json" }

response = requests.post(url, headers=headers, data=json.dumps(payload))
print(response.text)

PHP

<?php
$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => "https://api.mypayd.app/api/v3/payments",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode(array(
    "username" => "techconsultants",
    "account_name" => "bank",
    "amount" => 210,
    "phone_number" => "+278123456789",
    "channel_id" => "1cd9ece9-461a-4157-9140-35c9c2e69c3d",
    "redirect_url" => "https://payd-test.free.beeceptor.com",
    "narration" => "Payment for goods",
    "currency" => "ZAR",
    "callback_url" => "https://payd-test.free.beeceptor.com",
    "transaction_channel" => "bank"
  )),
  CURLOPT_HTTPHEADER => array("Content-Type: application/json"),
));

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}
?>

Example of a successful response

{
  "status": "SUCCESS",
  "transaction_reference": "BNK20250923XYZ",
  "success": true,
  "message": "Processed successfully",
  "trackingId": "BANK987654321",
  "reference": "INV-20250923-002",
  "result": {
    "bank_name": "Standard Bank",
    "account_number": "****6789",
    "account_name": "PAYD Commerce Limited"
  }
}

Conclusion

The Bank Payins API enables you to collect funds directly from customer bank accounts in local currencies with a single integration acrross countries.