A simple wrapper to leverage monnify's payment gateway for businesses to accept payments from customers, either on a recurring or one-time basis. It offers an easier and faster way for integration with monnify API on you web and mobile applications from within your node application.
For more information, please check the monnify documentation here
npm install monnify-nodejs
To get started, we need to import and instantiate our package. When instantiating, we need to pass our secretKey and apiKey which can be found on the monnify dashboard along with our baseUrl which is either the sandbox or production url for monnify API. Note that all methods are asynchronous so you have to make use of the async function or the then callback when calling them.
const Monnify = require('monnify-nodejs')
async function testMonnify() {
const m = new Monnify(secretKey, apiKey, baseUrl)
}You reserve an account by calling the reserveAccount method and passing a requestBody as a parameter. This returns the details off the account along with the account numbers.
async function testMonnify() {
const m = new Monnify(secretKey, apiKey, baseUrl)
let requestBody= {
"accountReference": "abc123",
"accountName": "Test Reserved Account",
"currencyCode": "NGN",
"contractCode": "8389328412",
"customerEmail": "test@tester.com",
"bvn": "21212121212",
"customerName": "John Doe",
"getAllAvailableBanks": true
}
const reservedAcc = await m.reserveAccount(requestBody)
}To get a list of all banks supported by monnify and their information, you leverage the getBanks method.
async function testMonnify() {
...
const banks = await m.getBanks();
}To make a single transfer from the merchant wallet to any bank account in nigeria, you call the singleOutboundTransfer method.
async function testMonnify() {
...
let requestBody = {
"amount": 10,
"reference":"reference12934",
"narration":"911 Transaction",
"destinationBankCode": "058",
"destinationAccountNumber": "0111946768",
"currency": "NGN",
"sourceAccountNumber": "4637221455"
}
const sot = await m.singleOutboundTransfer(requestBody)
}To make transfers from the merchant wallet to multiple bank accounts in nigeria, you call the bulkOutboundTransfer method.
async function testMonnify() {
...
let requestBody = {
"title" : "Game of Batches",
"batchReference":"batchreference12934",
"narration":"911 Transaction",
"sourceAccountNumber": "9624937372",
"onValidationFailure" : "CONTINUE",
"notificationInterval": 10,
"transactionList" : [
{
"amount": 1300,
"reference":"Final-Reference-1a",
"narration":"911 Transaction",
"destinationBankCode": "058",
"destinationAccountNumber": "0111946768",
"currency": "NGN"
},
{
"amount": 230,
"reference":"Final-Reference-3a",
"narration":"911 Transaction",
"destinationBankCode": "058",
"destinationAccountNumber": "0111946768",
"currency": "NGN"
}
]
}
const bot = await m.bulkOutboundTransfer(requestBody)
}To authorize single outbound transfer, you call the authorizeSingleTransfer method.
async function testMonnify() {
...
let requestBody = {
"reference":"reference12934",
"authorizationCode":"40538652"
}
const ast = await m.authorizeSingleTransfer(requestBody)
}To authorize bulk outbound transfer, you call the authorizeBulkTransfer method.
async function testMonnify() {
...
let requestBody = {
"reference":"batch-reference12934",
"authorizationCode":"40538652"
}
const abt = await m.authorizeBulkTransfer(requestBody)
}To request OTP resend for single users, you call the resendOtpSingle method.
async function testMonnify() {
...
let requestBody = {
"reference" : "reference12934"
}
const data = await m.resendOtpSingle(requestBody)
}To request OTP resend for Bulk users, you call the resendOtpBulk method.
async function testMonnify() {
...
let requestBody = {
"reference" : "batch-reference12934"
}
const data = await m.resendOtpBulk(requestBody)
}To get the status for a single outbound transfer, you call the getSingleTransferStatus method.
async function testMonnify() {
...
const data = await m.getSingleTransferStatus(reference)
// reference here is the transaction reference
}To get the status for a bulk outbound transfer, you call the getBulkTransferStatus method.
async function testMonnify() {
...
const data = await m.getBulkTransferStatus(reference)
// reference here is the bulk transaction reference
}To get merchant wallet ballance, you call the getWalletBallance method.
async function testMonnify() {
...
const data = await m.getWalletBallance(accountNumber)
// accountNumber here is the merchant waller account number
}To get reserved account details, you call the getAccountDetails method.
async function testMonnify() {
...
const data = await m.getAccountDetails(reference)
// accountNumber here is the merchant waller account reference
}To initiate a one time payment by customers to the merchant, you call the initiatePayment method.
async function testMonnify() {
...
let requestBody = {
"amount": 100.00,
"customerName": "Stephen Ikhane",
"customerEmail": "stephen@ikhane.com",
"paymentReference": "123031klsadkad",
"paymentDescription": "Trial transaction",
"currencyCode": "NGN",
"contractCode":"32904822812",
"redirectUrl": "https://my-merchants-page.com/transaction/confirm",
"paymentMethods":["CARD","ACCOUNT_TRANSFER"]
}
const data = await m.initiatePayment(requestBody)
}async function testMonnify() {
...
let requestBody = {
"transactionReference": "{{transactionReference}}",
"bankCode": "058"
}
const data = await m.payWithBankTransfer(requestBody)
}async function testMonnify() {
...
let requestBody = {
"transactionReference": "MNFY|20190514172736|000001",
"collectionChannel": "API_NOTIFICATION",
"card": {
"number": "4111111111111111",
"expiryMonth": "10",
"expiryYear": "2022",
"pin": "1234",
"cvv": "122"
}
}
const data = await m.payWithCard(requestBody)
}After paying with card, we need to authorize the payment with a OTP using this method.
async function testMonnify() {
...
let requestBody = {
"transactionReference": "MNFY|54|20210429142945|000208",
"collectionChannel": "API_NOTIFICATION",
"tokenId": "2000.00-e944ba213f0acbc90a16b292ba353b2f",
"token": "123456"
}
// tokenId is gotten from the pay with card response `otpData.id`
const data = await m.payWithCard(requestBody)
}This feature allows you to accept payments from your customer’s card without requiring the customer’s card details. This can be used for recurring payments, subscriptions, automated savings, etc.
- How it works:
- A first transaction requiring customer authorization is done from your web or mobile application
- Get a token linked to the card.
- Save the card token
- Charge the card using the saved token.
Once the first card transaction is successful, you get a card token by getting the transaction status for that particular transaction. You can than use this token, along with the user's email address for future purposes. To do this, you can do;
async function testMonnify() {
...
let requestBody = {
"cardToken": "MNFY_6A9DAD234B3E4E3C965B8F1D7BA8E0DE",
"amount": 50,
"customerName": "Smart Mekiliuwa",
"customerEmail": "smekiluwa@teamapt.com",
"paymentReference": "1642776682937",
"paymentDescription": "Paying for Product A",
"currencyCode": "NGN",
"contractCode": "675234136342",
"apiKey": "MK_TEST_VR7J3UAACH",
"metaData": {
"ipAddress": "127.0.0.1",
"deviceType": "mobile"
}
}
const data = await m.chargeCardToken(requestBody)
}async function testMonnify() {
...
const data = await m.deleteReservedAccount(accountReference)
}We can create a limit profile for a merchant. This allows the merchant to set a limit on a customer's account. To do this, we call the createLimitProfile method.
async function testMonnify() {
...
let requestBody = {
"limitProfileName": "Test Limit Profile",
"singleTransactionValue": 2000,
"dailyTransactionVolume": 500,
"dailyTransactionValue": 150000
}
const data = await m.createLimitProfile(requestBody)
}async function testMonnify() {
...
let requestBody = {
"limitProfileName":"Test Limit Profile Update",
"singleTransactionValue":70000,
"dailyTransactionVolume":4000,
"dailyTransactionValue": 100000000
}
const data = await m.createLimitProfile(rb)
const limitProfileCode = data.responseBody.limitProfileCode
const data = await m.updateLimitProfile(limitProfileCode, requestBody)
}async function testMonnify() {
...
const data = await m.getLimitProfiles()
}async function testMonnify() {
...
let requestBody = {
"contractCode":"915483727511",
"accountName":"Kan Yo' Reserved with Limit ",
"currencyCode":"NGN",
"accountReference": "ref-007",
"customerEmail": "KanYo@monnify.com",
"customerName": "Kan Yo",
"limitProfileCode": "2XKTQ3LE9NH2",
}
const data = await m.reserveAccountWithLimit(requestBody)
}async function testMonnify() {
...
let requestBody = {
"accountReference": "ref-007",
"limitProfileCode": "CJNRPG6VDHYE"
}
// limitProfileCode is the code for the new profile to be added to account
const data = await m.updateReserveAccountLimit(requestBody)
}async function testMonnify() {
...
let requestBody = {
"transactionReference": "tranRef",
"refundReference":"merchantRefundRef",
"refundAmount": 1000.56,
"refundReason": "Order cancelled! (limited to 64 characters)",
"customerNote": "A note to be sent to customer (limited to 16 characters)",
"destinationAccountNumber": "Optional account number to send the refund amount to",
"destinationAccountBankCode": "Optional bank code to identify the destination bank"
}
const data = await m.initiateRefund(requestBody)
}async function testMonnify() {
...
const data = await m.getAllRefunds(page=0, size=10)
}async function testMonnify() {
...
const data = await m.getRefundStatus(refundRefence)
}async function testMonnify() {
...
const data = await m.validateBankAccount(accountNumber, bankCode)
}The end ... .. . ?