Verify Dynamic Collection

Post https://mybundlepay.com/ng/api/transaction/verify

HEADERS

Authorization* string

Pass your {secret_key} as a bearer token in the request header to authorize this call.

Content-Type application/json

Ensure requests are sent as JSON.

BODY PARAMS

tx_ref String required

Your unique transaction reference you used during virtual account creation. This is used to verify funding status.

WEBHOOK NOTIFICATION

After successful payment, MyBundlePay will send a POST request to your webhook URL.

Headers

Content-Type application/json

X-Webhook-Secret Your webhook secret

Webhook Payload


{
  "amount": "6000.00",
  "fee": "230.00",
  "netAmount": "5770.00",

  "accountName": "OTTI MERCY",

  "bankName": "NIBSS",

  "method": "Virtual Account Funding",

  "externalReference": "8520985893522125839",

  "sessionId": "000010260615112957111052973618",

  "narration": "REF8520985893522125839 BO OTTI MERCY IFO MYBUNDLE",

  "status": "Completed",

  "date": "15 Jun 2026, 12:30 PM"
}

Webhook Verification Example (PHP)


<?php

$payload = file_get_contents("php://input");

$data = json_decode($payload,true);


$receivedSecret = $_SERVER['HTTP_X_WEBHOOK_SECRET'] ?? null;


$myWebhookSecret = "YOUR_WEBHOOK_SECRET";


if($receivedSecret !== $myWebhookSecret){

    http_response_code(401);

    echo json_encode([
        "status"=>"error",
        "message"=>"Invalid webhook secret"
    ]);

    exit;

}


// Process payment

$amount = $data['amount'];

$reference = $data['externalReference'];

$status = $data['status'];



// Your logic here



echo json_encode([

    "status"=>"success",

    "message"=>"Webhook received"

]);

?>

Expected Webhook Response


{
  "status": "success",
  "message": "Webhook received"
}

Webhook Failure Response


{
  "status": "error",
  "message": "Invalid webhook secret"
}

PHP
Node.JS


<?php
$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => "https://mybundlepay.com/ng/api/transaction/verify",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
      "tx_ref" => "TX8456463755"
  ]),
  CURLOPT_HTTPHEADER => array(
    "Content-Type: application/json",
    "Authorization: Bearer {secret_key}"
  ),
));

$response = curl_exec($curl);
curl_close($curl);
echo $response;
?>


var axios = require('axios');
var data = JSON.stringify({
    "tx_ref": "TX8456463755"
});

var config = {
  method: 'post',
  url: 'https://mybundlepay.com/ng/api/transaction/verify',
  headers: { 
    'Content-Type': 'application/json', 
    'Authorization': 'Bearer {secret_key}'
  },
  data : data
};

axios(config)
.then(function (response) {
  console.log(JSON.stringify(response.data));
})
.catch(function (error) {
  console.log(error);
});

Sample Responses

✅ Successful Transaction (Funded)


{
  "status": "success",
  "message": "Transaction verified successfully",
  "data": {
    "amount": 5000,
    "accountNumber": "60225522600",
    "accountName": "MYBUNDLEPAYLTD Checkout",
    "currency": "NGN",
    "expired_at": "2025-09-18 11:22:54"
  }
}

❌ Pending Transaction (Active)


{
  "status": "failed",
  "message": "Transaction not yet funded",
  "data": {
    "amount": 5000,
    "accountNumber": "60225522600",
    "accountName": "MYBUNDLEPAYLTD Checkout",
    "currency": "NGN",
    "expired_at": "2025-09-18 11:22:54"
  }
}