Payment Gateways & Settlement Reconciliation

Integrate payment aggregators, virtual accounts, bank transfers, and automated reconciliation into Tracepos.

Supported Rails & Mechanisms

Tracepos supports flexible payment flows for African and global payment providers:

Rail / Provider	Typical Workflow	Settlement Method
Paystack	Inline Checkout, Dedicated NUBAN Virtual Accounts, POS Terminal	Automatic via webhook callback / reference check
Interswitch	WebPAY, Quickteller, SmartPOS Till	Direct till reference & webhook reconciliation
Kuda Business	Dynamic Virtual Accounts, Sell Tokens, Countertop POS	Partner API token & webhook status update
Opay / Moniepoint	In-store POS Terminal, Agent Cash Inflow	Batch settlement & `POST /payments` ingestion
Direct Bank Transfer	In-store cashier verification of customer credit alert	`verifyPaystackTransfer` or Cashier Ledger entry

1. Dynamic Virtual Accounts (DVA) & Pay-with-Transfer

For retail stores offering Pay With Transfer at the checkout counter:

Customer requests to pay by transfer.
The integration requests a dynamic virtual account number from your payment provider (e.g. Kuda or Paystack) tied to the order unique ID.
The customer completes the bank transfer from their mobile banking app.
The provider fires a webhook when funds land in the merchant's account.
Your webhook handler posts payment to Tracepos:

curl -X POST "https://app.tracepos.net/api/v1/public/payments" \
  -H "X-Tracepos-Public-Key: YOUR_PUBLIC_KEY" \
  -H "X-Tracepos-Secret-Key: YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "user_id": "cust_123",
    "payment_type": "in",
    "amount": 25000.00,
    "payment_mode_id": "BANK_TRANSFER",
    "date": "2026-09-30",
    "reference": "NIP-0902837194829104",
    "invoices": [
      {
        "order_id": "sale_ord_99482",
        "amount": 25000.00
      }
    ],
    "notes": "Verified via Bank Transfer Webhook"
  }'

2. Settling Outstanding Customer Debts (A/R)

Customers with credit accounts can settle partial or complete balances across multiple historical invoices:

Query outstanding customer invoices:

curl -X GET "https://app.tracepos.net/api/v1/public/payments/user-invoices?user_id=cust_123" \
  -H "X-Tracepos-Public-Key: YOUR_PUBLIC_KEY" \
  -H "X-Tracepos-Secret-Key: YOUR_SECRET_KEY"

Allocate payment across the returned unpaid invoices:

{
  "user_id": "cust_123",
  "payment_type": "in",
  "amount": 100000.00,
  "payment_mode_id": "CHEQUE_OR_TRANSFER",
  "invoices": [
    { "order_id": "ord_old_01", "amount": 60000.00 },
    { "order_id": "ord_old_02", "amount": 40000.00 }
  ]
}

Tracepos automatically marks ord_old_01 as fully paid and reduces ord_old_02's due balance, updating the customer ledger and double-entry accounts receivable balances synchronously.