Release Notes - 10.0.0 - September 2026

Release Date: September 2026

TL;DR

Added to API Reference: The Verify OTP endpoint (POST /api/v4/niobi-unified-process-transaction), previously supported and announced in earlier releases, is now formally documented in the API Reference with interactive schemas, parameter definitions, and error codes.
Clarified Two-Step Flow: Streamlined end-to-end guidance and sequence diagrams for corridors requiring interactive OTP authorization (e.g. Côte d’Ivoire Orange Money), clarifying the separation between Step 1 (payment_token issuance) and Step 2 (OTP verification).

Updates & Improvements

Verify OTP Published in API Reference (`/api/v4/niobi-unified-process-transaction`)

Certain mobile money operators, such as Orange Money in Côte d’Ivoire (country_id: 3, currency: "XOF"), require the payer to generate or receive an authorization one-time password (OTP) before funds can be debited. While this two-step capability was previously supported, Release 10.0.0 brings this endpoint into the core API Reference suite with full documentation, interactive testing, and clearer developer guidance:

Endpoint: POST /api/v4/niobi-unified-process-transaction
API Reference: Verify OTP
Guide: OTP-Verified Payins

The Two-Step Payment Flow

Step 1: Initiation (`POST /api/v4/niobi-unified-collections`)

Submit the standard signed collection payload specifying payment_method_type: "orange" and the customer’s mobile number:

{
  "client_id": "YOUR_CLIENT_ID",
  "sender": "YOUR_INTEGRATION_NAME",
  "timestamp": 1724835600,
  "salt": "random_salt_12345",
  "signature": "SHA256_SIGNATURE",
  "params": {
    "amount": 2000,
    "currency": "XOF",
    "country_id": 3,
    "mobile": "2250700000000",
    "payment_method_type": "orange",
    "callback_url": "https://yourdomain.com/niobi/callback",
    "third_party_reference_1": "TX-CI-COLL-1001"
  }
}

Step 1 Response: Niobi returns an acknowledgement with payment_step: 1 and a payment_token:

{
  "success": true,
  "message": "We've sent a verification prompt to your phone. Please approve it to complete your payment.",
  "data": {
    "status": "success",
    "amount": 2000,
    "currency": "XOF",
    "country_id": 3,
    "payment_token": "NIO-S0000001",
    "payment_step": 1
  },
  "status_code": "000000"
}

In production, the authorization OTP is valid for 2 minutes.

Step 2: Verification (`POST /api/v4/niobi-unified-process-transaction`)

Prompt the customer to enter the OTP in your application, then dispatch a signed request containing the payment_token from Step 1 and the customer’s otp:

{
  "client_id": "YOUR_CLIENT_ID",
  "sender": "YOUR_INTEGRATION_NAME",
  "timestamp": 1724835620,
  "salt": "random_salt_67890",
  "signature": "SHA256_SIGNATURE",
  "params": {
    "otp": "1234",
    "payment_token": "NIO-S0000001"
  }
}

Step 2 Response: The endpoint completes debiting and returns the synchronous result with payment_step: 2:

{
  "success": true,
  "message": "Verification token was sent to your mobile number. Kindly verify to proceed payment.",
  "data": {
    "status": "success",
    "amount": 2000,
    "currency": "XOF",
    "payment_step": 2,
    "third_party_reference_1": "TX-CI-COLL-1001"
  },
  "status_code": "000000"
}

A terminal asynchronous webhook callback (payment_step: 2, status: "success") is also dispatched to your callback_url.

Sandbox Testing

To test this flow in the sandbox environment:

Initiate the collection with any Côte d’Ivoire test MSISDN.
In Step 2, pass "otp": "000000" to simulate a successful verification.

​TL;DR

​Updates & Improvements

​Verify OTP Published in API Reference (/api/v4/niobi-unified-process-transaction)

​The Two-Step Payment Flow

​Step 1: Initiation (POST /api/v4/niobi-unified-collections)

​Step 2: Verification (POST /api/v4/niobi-unified-process-transaction)

​Sandbox Testing

​Documentation Links

TL;DR

Updates & Improvements

Verify OTP Published in API Reference (`/api/v4/niobi-unified-process-transaction`)

The Two-Step Payment Flow

Step 1: Initiation (`POST /api/v4/niobi-unified-collections`)

Step 2: Verification (`POST /api/v4/niobi-unified-process-transaction`)

Sandbox Testing

Documentation Links