Lookup Payment Code

Resolves a bank or e-wallet transfer destination or merchant / account identifier into the same decode flow as decodeQr: creates a PENDING transaction and returns tx_id.

Use this endpoint when the payer types a destination instead of scanning a QR. Scanned EMV / local QR strings should continue to use decodeQr.

Authentication

• REQUIRED: Basic Auth Authorization: Basic base64(client_id:client_secret).

Two request contracts

1. Bank / e-wallet transfer destinations (ID, AR, BR, PE, BO, CO, NG, GH, ZM)

Required:

• customer_id
• country_code
• payment_method — must match the corridor:
• AR, BR, CO → payment_key
• ID → ewallet or bank_transfer
• PE → ewallet
• BO, NG, GH, ZM → bank_transfer
• payment_destination — the typed destination (PIX key, phone, bank account, BREB key, Indonesia wallet phone or 6–30 digit bank account, or NG/GH/ZM account / mobile-money number). Legacy alias: qr_string.

payment_destination_code is required for:

• ID e-wallet — DANA, OVO, GOPAY, or SHOPEEPAY (OVO minimum 10,000 IDR)
• ID bank transfer — 3-digit national bank code or SWIFT. GET /listBanks?country_code=ID returns the published list (code, short_name, swift_code) for accounts with IDR enabled. Lookup accepts any 3-digit code or SWIFT, including codes not in that list.
• PE — YAPE or PLIN
• BR — must be PIX
• CO — must be BREB
• BO — bank code (see GET /listBanks?country_code=BO)
• NG / GH / ZM — bank or mobile-money network code (e.g. 058, MTN)

Bolivia-only extras when payment_method is bank_transfer:

• account_type — SAVINGS or CHECKING
• recipient — name_first, name_last, ic_number

Sender is never accepted on the request; it is always derived from the registered customer.

2. Merchant / account lookup (KE, TZ, VN)

Required:

• customer_id
• country_code — KE, TZ, or VN
• merchant_id — till/paybill (KE/TZ) or bank account number (VN)

Optional:

• account_reference — paybill bill reference (KE/TZ) or bank BIN (VN)

Shared optional fields

• amount, currency
• partner_transaction_id
• partner_app_id (1–64 chars [a-zA-Z0-9_-])
• wallet_identifier

Response

Same curated public shape as decodeQr (tx_id, is_dynamic, amount, country, currency, fees when amount > 0, missing_fields, etc.).

Payout flow: lookupPaymentCode → getQuotation → executePayout.