Bank Payment Requests

Introduction

The Bank Payments API enables you to send money directly from your payd wallet to a recipient's bank account.

Typical use cases include:

• Vendor payments
• Payroll disbursements
• B2B invoice settlements
• Financial services (e.g., loan payouts)

Making Payment Requests

To make a bank payment request, send an HTTP POST request to the following endpoint:

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

Authorization

Users need to include basic authentication credentials in the request headers.

Authorization: Basic <base64-encoded-username:password>
Content-Type: application/json
X-Payd-Merchant-ID: <your_merchant_id>

Request Body

This payload allows you to securely make bank-payments using the Payd API. The request body must include the following structure:

    {
    "username": "paydconsultant",
    "account_name": "bank",
    "amount": 15000,
    "phone_number": "+256712345678",
    "channel_id": "5de46c23-6461-4950-871f-a971490772cf",
    "narration": "Payment for goods",
    "currency": "UGX",
    "callback_url": "https://payd-test.free.beeceptor.com",
    "transaction_channel": "bank"
}

Below are code examples in different programming languages demonstrating how to make card payments using HTTP POST requests.

Curl

curl --location 'https://api.mypayd.app/api/v3/payments' \
--header 'Content-Type: application/json' \
--data-raw '{
  "username": "paydconsultant",
  "account_name": "bank",
  "amount": 15000,
  "phone_number": "+256712345678",
  "channel_id": "5de46c23-6461-4950-871f-a971490772cf",
  "narration": "Payment for goods",
  "currency": "UGX",
  "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": "paydconsultant",
   "account_name": "bank",
   "amount": 15000,
   "phone_number": "+256712345678",
   "channel_id": "5de46c23-6461-4950-871f-a971490772cf",
   "narration": "Payment for goods",
   "currency": "UGX",
   "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, err := ioutil.ReadAll(res.Body)
 if err != nil {
   fmt.Println(err)
   return
 }
 fmt.Println(string(body))
}

Nodejs

const axios = require('axios');

const data = "{\\n\\\"username\\\": \\\"paydconsultant\\\",\\n\\\"account_name\\\": \\\"bank\\\",\\n\\\"amount\\\": 15000,\\n\\\"phone_number\\\": \\\"+256712345678\\\",\\n\\\"channel_id\\\": \\\"5de46c23-6461-4950-871f-a971490772cf\\\",\\n\\\"narration\\\": \\\"Payment for goods\\\",\\n\\\"currency\\\": \\\"UGX\\\",\\n\\\"callback_url\\\": \\\"https://payd-test.free.beeceptor.com\\\",\\n\\\"transaction_channel\\\": \\\"bank\\\"\\n}";

const config = {
  method: 'post',
  maxBodyLength: Infinity,
  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 = "{\\n\\\"username\\\": \\\"paydconsultant\\\",\\n\\\"account_name\\\": \\\"bank\\\",\\n\\\"amount\\\": 15000,\\n\\\"phone_number\\\": \\\"+256712345678\\\",\\n\\\"channel_id\\\": \\\"5de46c23-6461-4950-871f-a971490772cf\\\",\\n\\\"narration\\\": \\\"Payment for goods\\\",\\n\\\"currency\\\": \\\"UGX\\\",\\n\\\"callback_url\\\": \\\"https://payd-test.free.beeceptor.com\\\",\\n\\\"transaction_channel\\\": \\\"bank\\\"\\n}"

headers = {
  'Content-Type': 'application/json'
}

response = requests.post(url, headers=headers, data=payload)

print(response.text)

PHP

<?php
require_once 'HTTP/Request2.php';
$request = new HTTP_Request2();
$request->setUrl('https://api.mypayd.app/api/v3/payments');
$request->setMethod(HTTP_Request2::METHOD_POST);
$request->setConfig(array(
  'follow_redirects' => TRUE
));
$request->setHeader('Content-Type', 'application/json');
$request->setBody("{\n\"username\": \"paydconsultant\",\n\"account_name\": \"bank\",\n\"amount\": 15000,\n\"phone_number\": \"+256712345678\",\n\"channel_id\": \"5de46c23-6461-4950-871f-a971490772cf\",\n\"narration\": \"Payment for goods\",\n\"currency\": \"UGX\",\n\"callback_url\": \"https://payd-test.free.beeceptor.com\",\n\"transaction_channel\": \"bank\"\n}");

try {
  $response = $request->send();
  if ($response->getStatus() == 200) {
    echo $response->getBody();
  } else {
    echo 'Unexpected HTTP status: ' . $response->getStatus() . ' ' . $response->getReasonPhrase();
  }
} catch(HTTP_Request2_Exception $e) {
  echo 'Error: ' . $e->getMessage();
}

Example of a successful response

{
  "status": "success",
  "message": "Payment initiated",
  "transaction_id": "txn_0123456789abcdef"
}

Conclusion

Whether you're building a payroll system, automating vendor payments, or launching a fintech app, Payd's flexible API ensures quick integration and reliable bank transaction processing.