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Get Paid with Interswitch via ReliancePay

ReliancePay is a free payment gateway powered by Reliance Wisdom Digital. It makes it easy for a merchant to accept payment. It is very flexible such that a merchant can set up his customers to bear all charges while he receives the full payment as due. Its implementation/integration is very simple as the processes are discussed on the Documentation page with sample. It does not include any monthly charges.

The most impressive feature of its API is that it allows re-querying of every payment transaction, whether successful or not, directly from the application server via the merchant website inline. This is put in place to avoid middlemen attacks of transactions and to make sure the exact transaction status gets to the merchant website.

NOTE: Care must be taken in the requery. You are advised to re-query transactions on response page. If the re-query is to be done on another page, you should exercise about two (2) hours to the time the transaction is initiated. This is to be sure that your customer has left the payment gateway before you re-query. If he is still on the portal, your re-querying will end conclude his transaction on our portal and our database will be updated with the current payment status (e.g. No record found, Insufficient fund, etc) even though he later make successfull payment with your merchant reference number.

How to Get Paid

The payment gateway is automatically enabled for free for all registered users that register on Rreliance Wisdom Digital. By default, all users are allowed for demo integration. To go live, you would have to upload your data as it will be detailed later.

How to Register/Login

  1. Visit reliancewisdom.com
  2. Click on "Register" by top right corner of the page.
  3. Fill in your details and click the "Submit" button.
  4. You will be automatically logged in to your portal.

Alternatively

  1. Visit reliancewisdom.com
  2. Click on "Login" by top right corner of the page.
  3. Click on "Login with Facebook" or "Login with Google".
  4. Our application will get your data including email from Facebook or Google and use it to create an account for you if you have not registered before, on the application, else you will only be logged in to your portal without additional account creation.

NOTE: All in all, you must activate your account before you go live. An activation link will be sent to your e-mail immediately, when you complete your registration. Also, a link will also be available on your dashboard to resend activation link to you email when you log in. Kindly click on the activation link in your email. Then your account will be active.

Demo Testing

You can test-run the application in two ways:

  1. By using the content on the documentation page (API -> Documentation)
  2. There is also an already made form to input your data for testing. This can be visited via API -> Make Transaction

NOTE: This page can also be used for live integration testing but your account would have to be approved for live integration. Also, which either way you intend to use for the testing, the amount to be paid must not be less than N50.

Going Live

For you to go live, you must have uploaded your company profile data on API -> Company Profile. Also, on this same page, you must have uploaded your company's Certificate on Incorporation/Registration. Then the admin will get a notification of your action and put you on live integration.

Charges

There two different charges in the payment gateway:

  1. Default charge of 1.5% of the amount to be paid, cap of ₦2,000. This means that if the 1.5% is more than ₦2,000, exactly ₦2,000 will be charged. By default, the merchant is meant to pay for this charge. The merchant can also set the application to make customers pay for the charge while he (the merchant) receives the full payment. This can be done via API -> API Settings.
  2. Additional charge of ₦25 on payment of LESS THAN ₦2,500 OR ₦100 on payment of amount GREATER THAN or EQUAL TO ₦2,500. By default, customers are meant to pay for this charge. The merchant can also set the application to make him pay for the charge. This can be done via API -> API Settings.

All together, a merchant can set the application to charge himself or his customers for the both charges.

Transaction Log

A merchant can view the transactions made by his customers whether successful or not, at the back-end (portal) via API -> Transaction Log. Also, he can view the successful transactions with the respective charges and withdrawals of outstanding balance via API -> View Transactions.

Remittance

The remittance of the outstanding balance is on T+1 basis. This means that for instance, your outstanding balance of a day can only be paid to you by the close of business on the next working day. Working days span Monday-Friday. The payment will be made to the account details supplied when uploading the company's profile.

Meanwhile, request must be made for withdrawal by clicking on the "Request withdrawal NOW!" button on your Dashboard in your portal when you are on live mode.

Read Documentation