USSD

The Klasha USSD Payment API allows businesses to accept payments via USSD codes, a method especially effective in regions with limited access to the internet.

Follow these steps to accept payment using our USSD API:

• Initiate the USSD Payment

• Steps to Complete Payment

• Check Status

Coverage

The gateway parameter should be set to anyone of the following currencies below.

Country	Country Code	Currency
Nigeria	NG	NGN

Bank Codes

Code	Bank Name
737	GTB
894	First Bank
966	Zenith Bank
919	UBA
909	Stanbic Bank
5037	VFD
7797	Rubies (Highstreet)
901	Access Bank
822	Sterling Bank
7799	Unity Bank
7111	KeyStone Bank
326	EcoBank
945	Wema Bank
770	Fidelity Bank
329	FCMB
745	Heritage Bank
826	Union Bank

Initiate the USSD Payment

POST - {{env_url}}/pay/aggregators/{{gateway}}/ussd

You would need to pass, as header the x-auth-token. This can be obtained from your merchant dashboard → Settings → Generate API keys → Merchant public key.

Headers

Name	Value
Content-Type	application/json
x-auth-token	Your merchant public key

Request Body (encrypted)

NB: Request on this api must be encrypted. See encryption algorithm here

{
    "message": "encrypted-body"
}

Request Body (plain version)

^{*must be encrypted before sending}

{
    "tx_ref": "91a4f37c-61f5-48a6-bef6-ec2ef118615b",
    "account_bank": "329",
    "amount": "3448.28",
    "currency": "NGN",
    "email": "[email protected]",
    "phone_number": "234888888888",
    "sourceCurrency": "NGN",
    "firstName": "tester",
    "lastName": "one",
    "fullname": "tester one"
}

Response

200

{
    "message": "success"
    "data": {
        "payment_type": "USSD",
        "tx_ref": "91a4f37c-61f5-48a6-bef6-ec2ef118615b",
        "chargeResponseCode": "pending",
        "charged_amount": "3448.28",
        "narration": "USSD Payment",
        "status": "pending",
        "ussdString": "*329*000*3668#"
    },
    "status": "success"
}

400

Steps to Complete Payment

1

Retrieve the USSD String

Once the payment is initiated, a unique ussdString specific to the bank will be provided in the response.

2

Dial the USSD Code

Use the returned ussdString to proceed with the transaction. For example, if the string provided is *329*000*3668#, dial it on your phone and press the call button.

3

Follow On-Screen Instructions

Complete the transaction by following the prompts displayed during the USSD session.

Check Status

Use the Transaction status API here to check the status of the transaction by passing your transaction reference as tnx_ref in the request body.