Purchase Validation Credits

Overview

The Purchase Validation Credits endpoint allows merchants to purchase validation counts by debiting their account provided at the point of merchant creation. These credits determine how many validation calls the merchant can perform, based on the configured fee structure.

This operation:

• Debits the merchant's provided account with the amount specified in the request
• Calculates available validation count based on configured fees
• Returns a transaction reference for reconciliation

Note

• For every call a merchant makes to this endpoint /waas/Onboarding/validate validation count reduces by 1.

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Endpoint

POST /waas/Merchant/load-wallet

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How It Works

Validation Count Calculation

The system automatically calculates how many customer wallet validations can be performed based on:

• Amount funded
• Configured account creation fee per validation

Example:

• If account creation fee = ₦1,000
• Amount funded = ₦50,000
• Validation count = 50,000 / 1,000 = 50 validations

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Request Parameters

Required Headers

Header	Value
Authorization	Bearer <access_token>
Ocp-Apim-Subscription-Key	Your access subscription key
Content-Type	application/json

Request Body Fields

Field	Type	Required	Description
amount	decimal	Yes	Amount to fund the wallet with (in NGN)

Minimum Amount

This should not be less than the configured fee for merchant. Typically, it should cover at least one validation.

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Request Example

curl -X POST https://api-sandbox.accessbankplc.com/waas/Merchant/load-wallet \
  -H "Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 50000.00
  }'

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Response

Success Response

{
  "succeeded": true,
  "code": "200",
  "message": "successful request",
  "data": {
    "feeCount": 50,
    "transReference": "TXN-20250211-ABC123456"
  },
  "pageMeta": {},
  "errors": {}
}

Response Fields

Field	Type	Description
feeCount	integer	Number of customer validations available based on funding amount
transReference	string	Unique transaction reference for reconciliation

Save the Transaction Reference

Store the transReference for your records and reconciliation purposes.

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