Initialize S2S Card Payment With Wallet

Initialize an S2S card payment that settles into a selected NGN wallet.

This endpoint follows the existing S2S card payment payload and adds wallet_code.

Endpoint

POST /api/s2s/v1/transaction/initialize/wallet

Request Body

{
  "amount": "10.00",
  "card": "ENCRYPTED_CARD_HEX_STRING",
  "currency": "NGN",
  "email": "test@example.com",
  "pin": "1234",
  "reference": "TEST_TXN_REF_001",
  "wallet_code": "NGN169XXXX"
}

Required Fields

Field	Description
`email`	Customer email address
`amount`	Payment amount
`reference`	Unique transaction reference
`card`	Encrypted card payload generated with the S2S card encryption helper
`wallet_code`	Target NGN wallet code

Optional Fields

Field	Description
`currency`	Defaults to `NGN`
`pin`	May be required depending on the card flow

Card Encryption Helper

The card field must be the encrypted card payload generated using the S2S card encryption helper. Do not use a plain card object or mock string as the card value.

POST /api/s2s/v1/test/encryption

Request Body

{
  "reference": "TEST_TXN_REF_001",
  "data": {
    "number": "4084084084084081",
    "expiryMonth": "12",
    "expiryYear": "30",
    "cvv": "123"
  }
}

The same reference used for encryption must be used for transaction initialization because the reference is used to derive the encryption IV.

Create NGN Wallet OPay Payment With Wallet