Documentation API Transfert Bancaire International (BMO)

{
  "banks": [
    {
      "minAmount": 0,
      "maxAmount": 0,
      "dailyMaxAmount": 0,
      "monthlyMaxAmount": 0,
      "weeklyMaxAmount": 0,
      "name": "Canara Bank",
      "code": "CNRB0000232",
      "country": "IN",
      "currency": "INR",
      "subCode": null,
      "iban": "",
      "providerCode": "PRVCAN001",
      "mandatoryFields": []
    },
    {
      "minAmount": 0,
      "maxAmount": 0,
      "dailyMaxAmount": 0,
      "monthlyMaxAmount": 0,
      "weeklyMaxAmount": 0,
      "name": "State Bank of India",
      "code": "SBIN0000001",
      "country": "IN",
      "currency": "INR",
      "subCode": null,
      "iban": "",
      "providerCode": "PRVSBI001",
      "mandatoryFields": []
    }
  ],
  "defaultCurrency": "INR"
}

{
  "active": true
}

{
  "cost": 100.0,
  "targetMonetaryArea": {
    "currencyShortName": "F CFA",
    "currencyCode": "XOF"
  }
}

{
  "totalAmount": 76924.0,
  "quoteId": "QR61997FD6A14BB36D",
  "monetaryArea": {
    "reference": "MONAXOF001",
    "name": "UEMOA",
    "currencyLongName": "Franc CFA",
    "currencyShortName": "F CFA",
    "currencyRate": null,
    "currencyCode": "XOF"
  }
}

{
  "prefixedAmount": "76 924 F CFA",
  "prefixedOperationCost": "100 F CFA",
  "operationCode": "",
  "status": "ONGOING",
  "operationCost": 100.0,
  "amount": 76924.0,
  "operationType": "MONEY_REMITTANCE-BANK",
  "reference": "TPBA20260727105904132",
  "creationDate": "2026-07-27T10:59:04+00:00",
  "recipientReceivedPrefixedAmount": "10 000 INR",
  "recipientCurrency": "INR",
  "senderKyc": {
    "nationality": "BJ",
    "dateOfBirth": "",
    "idType": "",
    "idNumber": "",
    "idIssueDate": "",
    "idExpiryDate": "",
    "address": "",
    "city": "",
    "country": "BJ",
    "firstName": "",
    "lastName": "",
    "province": null,
    "postalCode": null,
    "msisdn": null
  },
  "recipientKyc": {
    "nationality": "IN",
    "dateOfBirth": "",
    "idType": "PASSPORT",
    "idNumber": "IN1234567",
    "idIssueDate": "",
    "idExpiryDate": "",
    "address": "Rue des Indes",
    "city": "",
    "country": "IN",
    "firstName": "DEVKI LUGGAGE",
    "lastName": "CENTRE",
    "province": "India",
    "postalCode": null,
    "msisdn": "+919876543210"
  },
  "receivedAmount": "10000",
  "markupAmount": 0.9230769230780425,
  "markupRate": 0.0,
  "recipientBankAccountNumber": "232201001617"
}

{
  "status": "ONGOING",
  "operationCost": 100.0,
  "amount": 76924.0,
  "operationType": "MONEY_REMITTANCE-BANK",
  "reference": "TPBA20260727111338139",
  "creationDate": "2026-07-27T11:13:38+00:00",
  "externalReference": null
}

import axios from 'axios';

const BASE_URL = 'https://svc.pap.bestcash.me/external';
const headers = {
  'X-Auth-ApiKey': '+2290196666262',
  'X-Auth-ApiSecret': 'y7MwWuWeQORtpA==',
  'Content-Type': 'application/json'
};

async function executeBankTransferWorkflow() {
  try {
    // 1. Récupération de la liste des banques pour l'Inde (country=IN)
    console.log('--- 1. Consultation des banques (Inde) ---');
    const bankListRes = await axios.get(`${BASE_URL}/thirdparty/bank-transfer/bank-list`, {
      headers,
      params: { country: 'IN' }
    });
    
    // Canara Bank (CNRB0000232)
    const selectedBank = bankListRes.data.banks.find(b => b.code === 'CNRB0000232') || bankListRes.data.banks[0];
    const bankCode = selectedBank.code; // 'CNRB0000232'
    const bankName = selectedBank.name; // 'Canara Bank' (Obligatoire)
    const providerCode = selectedBank.providerCode || 'PRVCAN001';

    console.log(`Banque sélectionnée : ${bankName} (Code: ${bankCode})`);

    // 2. Vérification du compte destinataire (bankName obligatoire)
    console.log('--- 2. Vérification du compte destinataire ---');
    const checkAccountRes = await axios.get(`${BASE_URL}/thirdparty/bank-transfer/check-account`, {
      headers,
      params: {
        accountNumber: '232201001617',
        msisdn: '919876543210',
        fullname: 'CENTRE DEVKI LUGGAGE',
        bankCode: bankCode,
        bankName: bankName, // Champ strictement obligatoire
        country: 'IN',
        providerCode: providerCode
      }
    });

    if (!checkAccountRes.data.active) {
      throw new Error("Le compte destinataire n'est pas actif ou valide.");
    }
    console.log('Compte vérifié et actif !');

    // 3. Calcul du coût de l'opération
    console.log('--- 3. Calcul du coût ---');
    const costRes = await axios.get(`${BASE_URL}/thirdparty/bank-transfer/cost-calculate`, {
      headers,
      params: {
        amount: 10000,
        country: 'IN'
      }
    });
    console.log(`Frais estimés : ${costRes.data.cost} ${costRes.data.targetMonetaryArea?.currencyCode}`);

    // 4. Cotation du montant à débiter et génération du quoteId (Devise INR)
    console.log('--- 4. Cotation (debited-amount) ---');
    const debitedRes = await axios.get(`${BASE_URL}/thirdparty/bank-transfer/debited-amount`, {
      headers,
      params: {
        amount: 10000,
        country: 'IN',
        msisdn: '919876543210',
        accountNumber: '232201001617',
        currency: 'INR'
      }
    });

    const quoteId = debitedRes.data.quoteId;
    console.log(`QuoteId généré : ${quoteId} (Montant total XOF: ${debitedRes.data.totalAmount})`);

    // 5. Exécution du transfert bancaire (POST)
    console.log('--- 5. Soumission du transfert ---');
    const operationRes = await axios.post(`${BASE_URL}/thirdparty/bank-transfer/operation`, {
      amount: 10000,
      recipientCountry: 'IN',
      senderCountry: 'BJ',
      recipientName: 'CENTRE',
      recipientSurname: 'DEVKI LUGGAGE',
      recipientAccountNumber: '232201001617',
      recipientBankCode: bankCode,
      recipientBankName: bankName,
      recipientMsisdn: '+919876543210',
      recipientNationality: 'IN',
      recipientAddress: 'Rue des Indes',
      recipientIdType: 'PASSPORT',
      recipientIdNumber: 'IN1234567',
      remittancePurpose: 'Family Maintenance',
      sourceOfFunds: 'Salary',
      relationshipSender: 'Brother',
      quoteId: quoteId,
      externalReference: `BANK-TRANS-IND-${Date.now()}`
    }, { headers });

    const internalReference = operationRes.data.reference;
    console.log(`Transfert soumis avec succès ! Statut: ${operationRes.data.status}`);
    console.log(`Référence interne générée : ${internalReference}`);

    // 6. Suivi du statut de la transaction via la référence interne
    console.log('--- 6. Suivi du statut ---');
    const statusRes = await axios.get(`${BASE_URL}/thirdparty/operation`, {
      headers,
      params: { reference: internalReference }
    });
    console.log(`Statut final de l'opération : ${statusRes.data.status}`);

  } catch (error) {
    if (error.response?.data?.message?.includes('REVENUE SHARING NOT CONFIGURED')) {
      console.error("Dépannage : Le partage de revenus (Revenue Sharing) n'est pas configuré pour votre clé API. Contactez l'administrateur BestCash.");
    } else {
      console.error('Erreur durant le workflow :', error.response?.data || error.message);
    }
  }
}

executeBankTransferWorkflow();