On receive payments API, who is the merchant, who is the partner and what is the flow of a complete payment?

Till payments

Applies to till transactions made to an Equity till - meaning the merchant in prod must have a till number for customers to make transactions

Bill Payment

Allows merchants to make utility payments e.g Zuku, DSTV etc

Partner ID

Refers to the source account from which transactions are being done. In this case the onboarded Equity bank account. The transaction reference is assigned by the merchant and not the customer.

See the Sample below:

{

  "merchant": {

      "till": "254766999926"

  },

  "payment": {

      "ref": "12345673041136",

      "amount": "1000.00",

      "currency": "KES"

  },

  "partner": {

      "id": "1450160649886",

      "ref": "Contacts"

  }

}