How to Start

Welcome to API-Money !

You have received the technical elements to try our solution (URL of the test platform, credentials Sandbox), and also our documentation :

The goal of this document is to help you understand and handle the “objects” used in API-Money and all the operations associate: user account, wallet, bank account, transfer, cash-out…

His vocation is to help you use the API-Money solution by showing you the different request. It doesn’t describe all the request and doesn’t show you all the possibilities that API-Money offer !

1. Authenticate requests

You’ve click on the Sandbox URL and you get a 1002 error ?

Don’t panic, it’s normal.

You have more explanation there FAQ dedicated : « J’obtiens un code erreur 1002 lorsque je clique sur l’URL de la Sandbox. Pourquoi ? » (English version coming)

The requests from your server to API-Money should be authenticate.
This authentication is insure by an HMAC calculation based on your credentials and with a timestamp.

A simple example is giving in the next paragraph.

2. Get back your « partner account »

When we created your credentials, we have also created a Partner account.
This account will allow you to associate a wallet for FEES, to recover your possible commissions during cash-in, transfer or cash-out operations.

To retrieve your ID of this Partner account, you have to use the following request :

GET /accounts

You’ll get an ID of your Partner account that look like this : AP-XXXXXXXXXXXXXXXX

More explanation on this page FAQ «dynamic» dedicated : « I get the error {« code »: »1002″, »message »: »Authorization error: Full authentication is required to access this resource »}. What should I do ? »

If you were able to get the parameter of your Partner account, the hardest thing is done.
Now you know how to authenticate the requests and communicate with the API-Money platform.

You can go to the next step.

3. Create 2 « user » account

Now, we’ll see how to create two Users accounts in order to prepare a transfer between the two Wallets of those two accounts.

You can, for example, create a first User account. This will create a « Standard » User account, which mean for private seller :

POST /accounts/standard (voir la documentation)

You’ll get an ID of this « Standard » User account that look like this : AS-XXXXXXXXXXXXXXXX

Next, you can create a second User account. This will create a « Business » User account, which mean for professional (company for example) :

POST /accounts/business (voir la documentation)

You’ll get an ID for this « Business » User account that look like this : AB-XXXXXXXXXXXXXXXX

4. Associate 2 wallets

Now you need to associate an EMONEY Wallet type to each of those 2 Users accounts.

For that, you need to use this request twice :

POST /wallets (voir la documentation)

You’ll get an ID for the EMONEY Wallet that look like this : WE-XXXXXXXXXXXXXXXX

5. Create a « Partner » Wallet (fees) for commissions

The same way, you can create a Wallet but of type FEES this time, to be able to get your Partner commissions :

POST /wallets (voir la documentation)

You’ll get an ID for this FEES Wallet that look like this : WF-XXXXXXXXXXXXXXXX

6. Supply the « User » first Wallet (cash-in)

Now you need to put money in the system through a « cash-in » or « deposit » on your EMONEY Wallet :

POST /cash-in/creditcards/[id](voir la documentation)

On the sandbox (test platform), you need to use those informations :

  • N°: 4000 0000 0000 0002
  • Validity date : 12/2022
  • CVV : 111

After this first « cash-in», the firstWallet will be credited.

You’ll get an ID for the transaction that look like this : TX-XXXXXXXXXXXXXXXX

To be noted:

A User can make a « cash-in » on his own Wallet and also on the Wallet of another User.

7. Make a transfer between 2 « User » Wallets

It’s now about to transfer money from the Wallet that just be credited to the second Wallet :

POST /transfers (voir la documentation)

If the Partener (= you) take a commission on those transfer, It is took on the «sender» Wallet.

Also, the amount of the transfer is commission included.

Therefore, we’ll take the example of a 10 € transfer and a 1 € commission.

For a 10 € transfer with the 1 € commission took on the « sender » Wallet,
You need to indicate :                – amount = 11                    – fees = 1

For a 10 € transfer with the 1 € commission took on the « receiver » Wallet,
You need to indicate :                – amount = 10                  – fees = 1

You’ll get an ID for the transaction that look like this : TX-XXXXXXXXXXXXXXXX

8. Associate a bank account to a receiver account

To make a withdrawal (or cash-out) of a Wallet, you need first to associate a bank account, through the IBAN :

POST /bankaccounts (voir la documentation)

You’ll get an ID for the bank account that look like this : BA-XXXXXXXXXXXXXXXX

9. Withdraw money from the receiver Wallet (cash-out)

Once the bank account is associate to the Wallet, it is possible to make a « cash-out » or « withdrawal » :

POST /cash-out (voir la documentation)

You’ll get an ID for the transaction that look like this : TX-XXXXXXXXXXXXXXXX