INTEGRATION AGREEMENT FOR DEVELOPERS
DEFINITIONS AND INTERPRETATIONS
In this Agreement except where the context otherwise requires, the capitalized terms used in this Agreement shall have the following meanings:
3 MUTUAL AUTHORIZATION
CUSTOMER’S OBLIGATIONS
You agree to undertake the following obligations under this Agreement:
5. CUSTOMER’S REPRESENTATIONS AND WARRANTIES
Representations and warranties are statements and promises made by you to us which we rely on as being accurate in our dealings with you. The Customer makes the following representations and warranties to us at the time of agreeing to the terms of this Agreement and every time you use the Platform or Services.
6 ONEPIPE’S OBLIGATIONS
7 FINANCIAL PROVISION
The Parties agree that all fees payable under this Agreement shall be subject to the deduction of applicable taxes.
8 TERMINATION
9 EFFECT OF TERMINATION
10 RELATIONSHIP OF THE PARTIES
11 FORCE MAJEURE
12 CONFIDENTIALITY
13 INTELLECTUAL PROPERTY RIGHTS
14 USER ACCEPTANCE TESTS
15 LIMITATION OF LIABILITY
The limit of liability applies irrespective of the number of claims giving rise to indemnification by ONEPIPE during the period defined above. In this regard, any amount paid for indemnification of any claims or events by ONEPIPE during the said period shall be deducted from the limit of liability and the liability of ONEPIPE shall be limited to the remaining balance.
16 NON-CIRCUMVENTION
During the Term of this Agreement and for a period of twelve (12) months thereafter, the Customer shall not, unless with the prior written consent of ONEPIPE act as follows:
17 WAIVER
The failure of either Party to exercise any right, or claim any remedy, contingent upon the default of the other in performing any of its obligations under this Agreement, shall not be deemed or construed as a waiver of such right or remedy under this Agreement.
18 SEVERABILITY
In the event that any provision of this Agreement is declared by any applicable law, judicial or other competent authority to be void, voidable, illegal or otherwise unenforceable or irrelevant it shall to the extent required by such law or authority, be severed from this Agreement and rendered ineffective so far as is possible without modifying the remaining provisions of this Agreement.
19 GOVERNING LAW AND DISPUTE RESOLUTION
APPENDIX 1: SCOPE OF SERVICES
ONEPIPE is an API gateway solution that allows for organizations to connect with 3rd parties with ease to fulfil an array of services including but not limited to payment related services, core financial services, lifestyle services and e-commerce services. The software can either be deployed into the Customer's infrastructure or the Customer can use it via a shared cloud version. ONEPIPE maintains the relevant aggregator relationships with all the suppliers on the one side and the Customer via the terms of this Agreement on the other side.
ONEPIPE service includes the ability for clients to support multiple suppliers of the same service and determine which they would like to use to complete their requests.
SERVICES
The Services currently available via ONEPIPE are provided in the table below. Where additional features are subscribed to by the Customer, they shall be contained in the Order Form executed between ONEPIPE and the Customer. ONEPIPE will continue to partner with more suppliers to increase the list of services. The updated list can always be found on our website.
Category | Service | Description | Available Suppliers |
Payments | Airtime | OnePipe will provide the Customer with the ability to pass in a user’s authorization details (card, account or whatever OnePipe supports) and their phone number, then the users would be debited while their phone number is topped up with airtime or data. | Quickteller |
Bill payments | OnePipe will provide the Customer with the ability to pass in a user’s authorization details (card, account or whatever OnePipe supports), biller information and their customer ID. The user’s card would be debited while their bill will be settled. | Quickteller | |
Charge – Online | OnePipe will provide the Customer with the ability to pass in a user’s card or account details along with a payment reference number. The user’s account or card would be debited, and the merchant account of the Customer would be credited. | Quickteller Paystack Flutterwave | |
Charge – offline via ATMs | OnePipe will provide the Customer with the ability to pass in a user’s transaction details and a payment reference number. OnePipe will then provide the ability for the user to complete the payment at an ATM while the merchant account of the Customer will be credited. | Quickteller | |
Charge – offline via Agents | OnePipe will provide the Customer with ability to pass in a user’s transaction details and a payment reference number. OnePipe will then provide the ability for the user to complete the payment at a supported Agent network while the merchant account of the Customer will be credited. | Quickteller | |
Charge – offline via Bank Branches | OnePipe will provide the Customer with ability to pass in a user’s transaction details and a payment reference number. OnePipe will then provide the ability for the user to complete the payment at a supported Bank branch network while the merchant account of the Customer will be credited. | PAYDirect | |
Charge – offline via Chatbot | OnePipe will provide the Customer with ability to pass in a user’s transaction details and a payment reference number. OnePipe will then provide the ability for the user to complete the payment via a supported Chatbot (which may route transactions through alternative payment methods) while the merchant account of the Customer will be credited. | OneChapp | |
Charge – offline via Transfer to account | OnePipe will provide the Customer with ability to pass in a user’s transaction details and a payment reference number. OnePipe will then provide the ability for the user to complete the payment by executing a transfer to account at a supported Bank that allows for real time transfer confirmation. The merchant account of the Customer will be credited afterwards. | SunTrust | |
Loans | Loan request | OnePipe will provide the Customer with the ability to pass in a user’s phone number, the user will receive e loan offers, accept one and their account will be credited with money, payable per the terms of the loan. | Interswitch |
Scores | OnePipe will provide the Customer with the ability to pass in a user’s phone number, then retrieve an estimated loan risk evaluation result as provided by the range of underlying providers. | SecondScore | |
Lookups | Linked cards | OnePipe will provide the Customer with the ability to pass in a user’s phone number and retrieve an estimate of bank cards linked to that phone number. | Interswitch |
Linked account | OnePipe will provide the Customer with the ability to pass in a user’s bank card number and retrieve the account number linked to it. | Interswitch | |
Account information | OnePipe will provide the Customer with the ability to pass in a user’s bank account number and retrieve the details on the account like Name, Address, etc. | Interswitch | |
BVN Lookup | OnePipe will provide the customer with the ability to pass in a user’s bank account number and retrieve the information linked to the BVN of a customer's customer.. | SunTrust | |
Wallet Services | Open Wallet | With this service, the calling apps can open a wallet on behalf of a customer. Apps may collect BVN as an input or not. But at a minimum, apps will need to collect customer details and forward to OnePipe. If BVN is required, it would be passed in as part of authorization details. OnePipe will in turn forward to the provider’s dedicated implementation. This service may use OTP to confirm the account opening request from the customer. | Polaris |
Lookup wallet Min | With this service, the calling apps can KYC a customer's account number or other authorization details like cards or wallets. This service will only return minimal KYC information. Apps will collect the account number they will like to obtain information on and forward it to OnePipe. If authorization details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris | |
Lookup Wallet Mid | With this service, the calling apps can do KYC with the customer's account number. This service will return slightly above minimal KYC information. Apps will forward the account number they will like to obtain information on and forward it to OnePipe. If authorization details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris | |
Lookup Wallet Max | With this service, the calling apps can do KYC with the customer's account number or card or other supported auth details. This service will return maximum KYC information. Apps will forward the auth details to OnePipe. If authorization details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris | |
Block Wallet | With this service, the calling app can request that debit access to a customer’s wallet be disabled. Apps will collect authorisation details and forward to OnePipe to execute, OnePipe will in turn forward to the provider’s dedicated implementation. For this service, apps are required to obtain consent to block wallet from the customer (likely at a prior time before the time the hold is required). | Polaris | |
Account Services | Open Account | With this service, the calling apps can carry out account opening operations. Apps will forward details to OnePipe. Apps will supply details required to open an account on behalf of a customer. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris, Suntrust, Monnify |
Get Accounts Min | With this service, the calling apps can take customer ref and return a masked list of accounts linked to it. Apps will collect the customer ref they will like to obtain information on and forward to OnePipe. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Quickteller, Polaris | |
Get Accounts Mid | With this service, the calling apps can take customer ref and return an unmasked list of accounts linked to it. Apps will collect the customer ref they will like to obtain information on and forward to OnePipe. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris | |
Get Balance | With this service, the calling apps can get available balance for a given source. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. It’s also possible that some providers will require extended authorization information (like an OTP), if needed, providers need to prompt for this. Upon the correct details being provided, the provider will respond with account/wallet balance information. | Quickteller, Polaris, Providus | |
Get Statement | With this service, the calling apps can get statements of accounts. Apps will forward the customer reference (account number, or any unique reference) they will like to obtain information on and forward to OnePipe. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris | |
Block Account | With this service, the calling app can request that debit access to a customer’s account or wallet or other store of value be disabled. Apps will collect authorisation details and forward to OnePipe to execute, OnePipe will in turn forward to the provider’s dedicated implementation. For this service, apps are required to obtain consent to block account from the customer (likely at a prior time before the time the hold is required). | Polaris | |
Hold Funds | With this service, the calling app can request for a fixed amount of money be held from a customer’s account or wallet or other store of value. Apps will collect authorisation details and forward to OnePipe to execute, OnePipe will in turn forward to the provider’s dedicated implementation. For this service, apps are required to obtain consent to hold funds from the customer (likely at a prior time before the time the hold is required). | Polaris | |
Lookup Account Min | With this service, the calling apps can KYC a customer's account number or other authorization details like cards or wallets. This service will only return minimal KYC information. Apps will collect the account number they will like to obtain information on and forward it to OnePipe. If authorization details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris, Suntrust, Providus | |
Lookup Account Mid | With this service, the calling apps can do KYC with the customer's account number. This service will return slightly above minimal KYC information. Apps will forward the account number they will like to obtain information on and forward it to OnePipe. If authorization details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris, Suntrust, Providus | |
Lookup account Max | With this service, the calling apps can do KYC with the customer's account number or card or other supported auth details. This service will return maximum KYC information. Apps will forward the auth details to OnePipe. If authorization details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris, Suntrust | |
Credit Services | Get a Loan | This service can be used to get loan offers for a given customer. A loan offer is a loan product available to a customer provided by a specific provider. e.g Provider A can make 2 Loan offers to a Customer B such as NGN5,000 loan, N10,000. When a calling app requests for loan offers with the appropriate payload, the call should return an array of loan offers with details like interest, payable amount, tenure, etc. | Quickteller |
Get Credit Score | With this service, the calling apps can take customer ref and check to know the user’s potential credit score or credit limit as determined by the provider. The Provider will determine scores using its own internal mechanisms or data sources as a may be required. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. It’s important to note that this service requires the customer’s consent, so all providers have to implement OTP support. | Quickteller | |
Get Loan Status | This service enables the calling app to fetch existing loans (including its details) for a given customer as determined by a specified provider. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. It’s important to note that this service requires the customer’s consent, so all providers have to implement OTP support. | Quickteller | |
KYC Services | Lookup BVN Min | With this service, the calling apps can KYC a customer's bank verification number. This service will only return a True/False match of the supplied customer details if it matches what is saved against their BVN correctly. If authorization details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris, Suntrust |
Lookup BVN Mid | With this service, the calling apps can do KYC with the customer's bvn. This service will return slightly above minimal KYC information. Apps will collect the BVN they will like to obtain information on and forward to OnePipe. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris, Suntrust | |
Lookup BVN Max | With this service, the calling apps can do KYC with the customer's bvn. This service will return maximum KYC information. Apps will collect the account number they will like to obtain information on and forward to OnePipe. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. | Polaris, Suntrust, Providus | |
General Services | Lookup NUBAN | With this service, the calling apps can check corresponding banks matched to a customer's account number. In effect, take an account number and try to determine which bank it’s from. OnePipe will forward to the provider’s dedicated implementation. Providers will either use NUBAN rules to determine or if they already have a static record for the account number, they can retrieve that instead. | Polaris |
Get Banks | With this service, the calling apps can get a list of financial institutions with their corresponding codes. Apps will collect authorisation details and forward to OnePipe to execute, OnePipe will in turn forward to the provider’s dedicated implementation. The provider will return a list of all financial institutions available. | Polaris, Providus | |
List Branches | With this service, the calling apps can get a list of branches for financial institutions. Effectively, a provider will provide the list of physical locations that a given financial institution operates from. This service makes a fundamental assumption that the provider here is also the said financial institution. It would be either branches, offices, or other relevant addresses as relates to the given financial institution. OnePipe will forward to the provider’s dedicated implementation to provide this information. | Polaris | |
Messaging Services | Send OTP | With this service, the calling apps can instruct a provider via OnePipe to send an OTP to a specified phone number or customer_ref. The added benefit here is that in the event that a provider needs authorization details of the account to debit for the value of the SMS or whatever the transport protocol is (bank account, wallet, etc) this can be supplied to the provider. | Polaris |
Validate OTP | With this service, the calling apps can instruct a provider via OnePipe to validate an OTP supplied by a customer. The added benefit here is that in the event that a provider needs authorization details of the account to debit for the value of the SMS or whatever the transport protocol is (bank account, wallet, etc) this can be supplied to the provider. | Polaris | |
Payment Services | Collect | With this service, the calling app can request or initiate payment from a customer. Apps will collect authorisation details and forward to OnePipe to execute a debit, OnePipe will in turn forward to the provider’s dedicated implementation. Providers will support a wide array of payment methods and optionally prompt for any extra auth details specific to their implementation. | Polaris, Suntrust |
Disburse | With this service, the calling apps can do a transfer to a destination account number from a pre-configured account of the app. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. This is a service that is useful for when a business wants to debit their own account and credit any destination account. | Polaris, Suntrust, Providus | |
Transfer Funds | With this service, the calling apps can do a transfer to a destination account number from a given source. Authorisation details (for source of funds) will always be required by the provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation. Upon receipt of the auth credentials, a provider may challenge for other input as may be required. Then debit the source of funds to move money to the destination. | Polaris, Suntrust | |
Transaction Notification | With this service, app developers will expose a webhook url, that will receive a POST message from OnePipe upon a credit or debit activity on an account that they have access to. This notification will be triggered by the provider, directed to OnePipe which will in turn transform the message into the payload that the app developer’s webhook is expecting and able to process. The ideal use case for this is in offline payments. | ||
Purchase Services | Lookup Customer Reference | With this service, the calling app can find out details of a specific customer or customer reference, typically as relates to a subscription or bill payment service. For instance, given a decoder number, find out how much is due for payment or the name of the customer. Apps will collect the reference and forward to OnePipe which will in turn forward to the provider’s dedicated implementation. | Quickteller |
Buy Airtime | With this service, the calling app can collect a payment and top up a customer’s mobile number with airtime at the same time. It uses the authorisation details supplied by the customer as well as a code to (optionally) identify the Telco. Apps will collect authorisation details and forward to OnePipe to execute a debit and topup, OnePipe will in turn forward to the provider’s dedicated implementation. Supported auth types vary by provid | Quickteller, Polaris,, Magtipon | |
Buy Data | With this service, the calling app can make a payment for a data bundle or subscription on behalf of a customer, using authorization details supplied by the customer as well as the details of the data bundle provider or Telco. Apps will collect authorisation details and forward to OnePipe to execute a debit, OnePipe will in turn forward to the provider’s dedicated implementation. | Quickteller, Magtipon | |
Pay Electricity | With this service, the calling app can make a payment for a TV service on behalf of a customer, using authorization details supplied by the customer as well as the details of the biller to be paid. Apps will collect authorisation details and forward to OnePipe to execute a debit, OnePipe will in turn forward to the provider’s dedicated implementation. | Quickteller, Polaris, Magtipon | |
Pay TV | With this service, the calling app can make a payment for a TV service on behalf of a customer, using authorization details supplied by the customer as well as the details of the biller to be paid. Apps will collect authorisation details and forward to OnePipe to execute a debit, OnePipe will in turn forward to the provider’s dedicated implementation. | Quickteller, Polaris, Magtipon |