User Registration API Documentation

Option 1: Register with BVN or NIN

cURL Request

curl -X POST https://techvibs.com/bank/api_general/register_submit_external_api.php \
  -H "Content-Type: application/json" \
  -d '{
    "fintech-token": "your_token_here",
    "first_name": "John",
    "last_name": "Doe",
    "other_names": "Michael",
    "account_name": "John  Michael ",
    "phone": "08012345678",
    "dob": "1990-05-15",
    "address": "123 Main Street, Lagos",
    "gender": "0",
    "username": "johndoe",
    "email": "johndoe@gmail.com",
    "password": "SecurePass123",
    "pin": "1234",
    "nationalIdentityNo": "12345678901",
    "ninUserId": "ABC123-4567",
    "bvn": "12345678901",
    "placeOfBirth": "",
    "nextOfKinPhoneNo": "",
    "nextOfKinName": "",
    "referralPhoneNo": "",
    "referralName": "",
    "otherAccountInformationSource": "",
    "customerImage": "",
    "customerSignature": "",
    "transactionTrackingRef": "TXN-'$(date +%s)'000-'$RANDOM'",
    "device_fingerprint": "curl_test_'$(date +%s)'"
  }'


  }'

Important Notes:

Gender values: Use "0" for Male, "1" for Female
NIN Registration: When using NIN instead of BVN, both nationalIdentityNo and ninUserId are required.

Success Response 200 OK

JSON Response

{
  "status": "success",
  "message": "WAAS API Response",
  "waas_http_code": 200,
  "waas_response": {
    "status": "SUCCESS",
    "message": "Account created successfully",
    "data": {
      "accountNumber": "1234567890",
      "customerID": "CUST123456",
      "responseCode": "00"
    }
  },
  "debug": {
    "payload_sent": {
      "transactionTrackingRef": "TXN-1763314220-9553",
      "lastName": "Doe",
      "otherNames": "Michael",
      "phoneNo": "08012345678",
      "gender": 0,
      "dateOfBirth": "15/05/1990",
      "address": "123 Main Street, Lagos",
      "bvn": "12345678901",
      "email": "john.doe@example.com",
      "accountName": "John Doe"
    },
    "endpoint": "https://middleware.9psb.com.ng/waas/api/v1/open_wallet",
    "fintech": "GALAD FIN",
    "token_type": "live"
  }
}

Error Responses

Validation Error 400 Bad Request

JSON Response

{
  "status": "error",
  "message": "Phone Number must be 11 digits."
}

Common Error Messages:

Validation Errors (400):
- Missing or empty required field: [field_name]
- Invalid email format
- Phone Number must be 11 digits
- Password must be at least 8 characters long, contain at least one letter and one number
- PIN must be exactly 4 digits
- Either National Identity Number or BVN must be provided
- Gender must be '0' for Male or '1' for Female
- Address must not exceed 100 characters
Authentication Errors (400):
- Fintech token is required for registration
- Invalid fintech token
- Failed to verify fintech token: HTTP [code]
WAAS API Errors (200 with FAILED status):
- Bvn Validation Not successful (BVN details retrieval failure) - Code: 96
- NIN Validation failed - Code: 96
- Duplicate account - Code: varies

Required Fields

fintech-token	string (required) - Your API authentication token
first_name	string (required) - User's first name
last_name	string (required) - User's last name
other_names	string (required) - User's middle/other names
phone	string (required) - 11-digit phone number (e.g., 08012345678)
email	string (required) - Valid email address
dob	string (required) - Date of birth (YYYY-MM-DD format)
address	string (required) - Residential address (max 100 characters)
gender	string (required) - "0" for Male, "1" for Female
username	string (required) - Unique username
password	string (required) - Min 8 chars, must contain at least one letter and one number
pin	string (required) - Exactly 4 digits
bvn OR nationalIdentityNo	string (required) - 11-digit BVN or NIN (one is required)
ninUserId	string (required if using NIN) - Format: ABC123-4567 (6 alphanumeric, hyphen, 4 digits)

Optional Fields

account_name	string (optional) - Custom account name (defaults to first_name + last_name)
placeOfBirth	string (optional) - User's place of birth
nextOfKinPhoneNo	string (optional) - 11-digit phone number
nextOfKinName	string (optional) - Next of kin's full name
referralPhoneNo	string (optional) - 11-digit phone number
referralName	string (optional) - Referrer's full name
otherAccountInformationSource	string (optional) - Additional account information
customerImage	string (optional) - Base64 encoded image or URL
customerSignature	string (optional) - Base64 encoded signature or URL
transactionTrackingRef	string (optional) - Custom tracking reference (auto-generated if not provided)
device_fingerprint	string (optional) - Device identification fingerprint

File Upload Fields (Multipart/Form-Data)

Note: When uploading files, use multipart/form-data instead of JSON. Max file size: 5MB. Allowed formats: JPG, JPEG, PNG.

id_front	file (optional) - Front side of ID card
id_back	file (optional) - Back side of ID card
proof_address	file (optional) - Proof of address document
profile_picture	file (optional) - User's profile picture

cURL with File Upload

curl -X POST https://techvibs.com/bank/api_general/register_submit_external_api.php \
  -F "fintech-token=your_token_here" \
  -F "first_name=John" \
  -F "last_name=Doe" \
  -F "other_names=Michael" \
  -F "account_name=John Michael" \
  -F "phone=08012345678" \
  -F "dob=1990-05-15" \
  -F "address=123 Main Street, Lagos" \
  -F "gender=0" \
  -F "username=johndoe" \
  -F "email=johndoe@gmail.com" \
  -F "password=SecurePass123" \
  -F "pin=1234" \
  -F "nationalIdentityNo=12345678901" \
  -F "ninUserId=ABC123-4567" \
  -F "bvn=12345678901" \
  -F "placeOfBirth=" \
  -F "nextOfKinPhoneNo=" \
  -F "nextOfKinName=" \
  -F "referralPhoneNo=" \
  -F "referralName=" \
  -F "otherAccountInformationSource=" \
  -F "customerImage=" \
  -F "customerSignature=" \
  -F "transactionTrackingRef=TXN-$(date +%s)000-$RANDOM" \
  -F "device_fingerprint=curl_test_$(date +%s)" \
  -F "id_front=@/path/to/id_front.jpg" \
  -F "id_back=@/path/to/id_back.jpg" \
  -F "profile_picture=@/path/to/photo.jpg"

HTTP Response Codes

200 OK	Request processed successfully (check waas_response.status for actual result)
400 Bad Request	Validation error or invalid input data
405 Method Not Allowed	Only POST requests are accepted
500 Internal Server Error	Server-side error occurred

Important: A 200 OK response doesn't always mean success. Always check the waas_response.status field. It can be "SUCCESS" or "FAILED".

Testing Guide

Step 1: Verify Token

Token Verification

curl -X POST https://techvibs.com/bank/api_general/verify_fintech_token.php \
  -H "Content-Type: application/json" \
  -d '{"token": "your_actual_token_here"}'

Step 2: Test Registration

Tips:

Use valid test BVN/NIN data for testing
Ensure phone numbers are unique for each test
Check the debug section in responses to see what was sent to WAAS
Monitor application logs for detailed error information

Integration Checklist

✅ Obtain and verify your fintech token
✅ Implement proper error handling for all response types
✅ Validate user input on client-side before API call
✅ Handle both SUCCESS and FAILED statuses in waas_response
✅ Store the returned accountNumber and customerID
✅ Implement retry logic for network failures
✅ Log all API interactions for debugging
✅ Test with both BVN and NIN registration flows
✅ Test file upload functionality if needed
✅ Implement proper security measures (HTTPS, input sanitization)

Support & Resources

API Endpoint	https://techvibs.com/bank/api_general/register_submit_external_api.php
Token Verification	https://techvibs.com/bank/api_general/verify_fintech_token.php

Need Help?
Contact your technical support team with:

The full error response
Your fintech token (first 10 characters only)
Timestamp of the request
The debug section from the response