How It Works

Payment Flow

1. 1

   Create a Virtual Account

   Your server calls POST /virtual/new-account with a unique reference, amount (if applicable), account type, and callback URL.

2. 2

   KongaPay generates an account number

   KongaPay generates and returns a virtual account number linked to your settlement account.

3. 3

   Present to your customer

   You present the virtual account number and bank name (KongaPay) to your customer.

4. 4

   Customer initiates transfer

   The customer initiates a bank transfer to the virtual account from any Nigerian bank.

5. 5

   KongaPay receives inflow

   KongaPay receives the inflow via NIP/NPS, identifies the virtual account, and maps it to your settlement account.

6. 6

   Amount validation

   For nonstatic and static accounts, KongaPay validates that the amount matches exactly. Static-flex skips this check.

7. 7

   Callback fired

   The transaction is processed and stored. KongaPay fires a POST callback to your webhook URL with the payment result.

8. 8

   Reconciliation

   Your server receives and validates the callback, then reconciles using external_reference and session_id.

Idempotency

Every virtual account request requires a unique reference (external_reference). Submitting the same reference twice will return a 409 Conflict — no duplicate account is created. This protects you from accidental double-creation caused by network retries.

Data Flow Diagram

Key Fields