DevelopersVirtual AccountReconciliation

Reconciliation

KongaPay provides four primary keys to reconcile incoming payments against your internal records.

Primary Reconciliation Keys

Key	Description
external_reference	The reference you provided at virtual account creation. Always unique per request.
session_id	The NIP session ID assigned by the interbank network. Use for deduplication.
amount	Confirmed transaction amount. For nonstatic and static, this will match your expected amount.
status	Final payment outcome: success, failed, or pending.

🎯

Primary reconciliation

Match incoming callbacks and status responses on external_reference.

🔄

Deduplication

Use session_id to detect and reject duplicate payment events for the same transaction.

📅

Daily reconciliation job

Call GET /virtual/transactions and compare results against your internal transaction log.

⚠️

Mismatch handling

Flag any transaction where the callback amount does not match your expected amount and route to manual review.

Callback received

Extract external_reference + session_id

Dedup check

Is session_id already in your DB?

Reference match

Find internal order by external_reference

Amount validation

Does callback amount = expected amount?

Fulfil order

Mark as paid and trigger fulfilment

1.Call GET /virtual/transactions with pagination to fetch all transactions for the day
2.Compare each transaction against your internal order database
3.Flag any external_reference in the API response that is missing from your DB
4.Investigate and reconcile any gaps — these could be missed callbacks