HandyPay API integration for OpenData, OpenFinance, and payment workflow automation

1) Transaction history API module

We expose normalized transaction feeds with pagination, date slicing, and status filters so your finance team can run automated daily reconciliation instead of spreadsheet-only checks. This module maps app-side statement entries into stable fields such as `txn_id`, `channel`, `amount`, `currency`, `created_at`, and `settlement_state`.

Typical use: accounting sync into QuickBooks-style ledgers, internal treasury dashboards, and dispute triage queues where teams need complete event timelines for each payment attempt.

2) Wallet balance and movement sync

We build scheduled or near-real-time balance polling with delta tracking so every wallet state transition is available for OpenFinance wallet sync pipelines. Balance snapshots can be joined with transfer events to explain sudden changes and identify outliers.

Typical use: liquidity visibility for operations managers, alerting rules when balances drop below business thresholds, and multi-account monitoring for partner programs.

3) QR transfer and collection events

HandyPay supports QR-code-driven transfers, which makes QR event capture a high-value integration surface. We create event ingestion that records scan attempts, authorization outcome, and final payment state for merchant reporting.

Typical use: payment-success analytics by merchant or campaign, checkout funnel analysis, and support tooling that pinpoints where user drop-off occurred.

4) Virtual card activity interface

From current app messaging and public materials, HandyPay promotes virtual card usage for online and in-store purchases. We map card-related event records into secure, tokenized outputs that can feed spend intelligence and limit management workflows.

Typical use: card spend categorization, fraud signal enrichment, and consolidated reports across wallet and card rails.

5) Recharge and bill payment extraction

Recharge and bill-payment interactions are transformed into line-level records that can be grouped by service type, provider, and recurrence. This helps teams identify retention indicators and frequent utility-payment behavior.

Typical use: customer segmentation, recurring payment reminders, and forecasting tools for consumer finance products.

6) Authorization and session lifecycle module

We implement authorized login/session orchestration that keeps token refresh and access renewal deterministic for downstream APIs. The output is an integration layer where each data pull is mapped to explicit consent and audit context.

Typical use: enterprise-grade API operations where security teams require request tracing, credential rotation, and incident-ready logs.

Scenario A: Daily settlement for a multi-merchant operator

Business context: a regional merchant aggregator needs one daily settlement file for finance, but payment activity occurs across wallet transfers, QR collections, and card operations.

Data/API involved: transaction history API, wallet balance snapshots, and QR event states. OpenData/OpenFinance mapping: each raw payment event is transformed into normalized accounting objects with settlement tags and exception states.

Scenario B: Customer support automation for failed transfers

Business context: support teams spend too much time manually checking transfer outcomes and user screenshots when customers report delays.

Data/API involved: transaction status polling plus idempotent event lookups by reference ID. OpenData/OpenFinance mapping: support dashboard consumes structured transfer state fields and auto-suggests resolution paths based on error class.

Scenario C: Spending analytics for virtual card programs

Business context: a fintech partner wants to understand card usage behavior and combine it with wallet activity for portfolio decisions.

Data/API involved: virtual card transaction feeds, wallet top-up events, and merchant category signals. OpenData/OpenFinance mapping: card and wallet events are fused into customer-level spend timelines with configurable aggregation windows.

Scenario D: Cross-channel funding performance analysis

Business context: operations leaders compare deposit channels and need to quantify completion rates and settlement speed by rail.

Data/API involved: funding channel metadata, timestamped status transitions, and statement-level confirmations. OpenData/OpenFinance mapping: ingestion layer annotates each operation by rail and computes conversion/latency metrics for channel strategy decisions.

Snippet 1: Authorized login/session bootstrap

POST /api/v1/handypay/session/bootstrap
Content-Type: application/json

{
  "user_identifier": "merchant_admin_001",
  "auth_context": {
    "device_id": "ios-prod-xx",
    "consent_scope": ["transactions:read", "wallet:read"]
  }
}

Response 200
{
  "session_id": "sess_9f5b",
  "access_token": "tok_live_xxx",
  "expires_in": 1800,
  "refresh_token": "ref_live_xxx"
}

Snippet 2: Transaction statement query with paging

GET /api/v1/handypay/statements?from=2026-03-01&to=2026-03-31&type=wallet&page=1&page_size=100
Authorization: Bearer <access_token>

Response 200
{
  "items": [
    {
      "txn_id": "hp_txn_1029",
      "amount": 2450.00,
      "currency": "HTG",
      "channel": "qr_transfer",
      "status": "completed",
      "created_at": "2026-03-10T13:16:22Z"
    }
  ],
  "next_page": 2
}

Snippet 3: Event webhook + retry-safe error handling

POST /webhooks/handypay/events
Content-Type: application/json
X-Signature: sha256=...

{
  "event_id": "evt_77821",
  "event_type": "wallet.topup.completed",
  "occurred_at": "2026-03-10T13:17:02Z",
  "payload": {
    "wallet_id": "wlt_298",
    "amount": 1500.00,
    "currency": "HTG",
    "rail": "orange_money"
  }
}

// Handler logic
if (isDuplicate(event_id)) return 200;
if (!verifySignature(rawBody, signature)) return 401;
enqueueForProcessing(payload);
return 202;

Compliance & privacy

For Haiti-focused payment integrations, compliance planning should include Banque de la République d'Haïti (BRH) payment-system expectations and explicit user-consent handling for personal financial data. Haiti's data-protection framework is still evolving, so projects should implement conservative data-minimization controls, encryption at rest and in transit, retention windows, and auditable consent logs from day one.

Where partners operate cross-border, additional obligations may apply (for example, GDPR when EU resident data appears in connected flows). Our implementation approach uses authorized access boundaries, least-privilege tokens, and environment-level key rotation so legal and security teams can review every step.

Data flow / architecture

• Node 1: Client App / Authorized Session Gateway collects approved request context.
• Node 2: Ingestion API normalizes transactions, wallet, QR, and card event payloads.
• Node 3: Secure storage layer keeps tokenized financial records with retention policies.
• Node 4: Output services publish BI feeds, reconciliation exports, and API responses.

This pipeline supports both source-code delivery and pay-per-call API operation with consistent schemas and clear ownership boundaries.

MonCash

MonCash is a major mobile wallet in Haiti and exposes similar integration demand around transfer history, bill payments, and wallet cash-in/cash-out monitoring. Teams working with both HandyPay and MonCash often need a unified transaction export OpenBanking-style data layer.

NatCash

NatCash participates in Haiti's mobile money ecosystem and is frequently referenced in account-to-wallet transfer contexts. Its data profile overlaps with HandyPay for transfer state tracking, customer statements, and funding-channel analytics.

UniMobile (UNIBANK)

UniMobile supports banking-style account operations and therefore complements wallet-oriented flows with account-level ledger and transfer data. Integration programs often combine wallet events and bank-account events for full customer cashflow visibility.

HaitiPay

HaitiPay targets digital payment access and merchant use, making it relevant when businesses compare domestic wallet APIs and settlement exports. Its ecosystem role highlights the need for cross-provider schema normalization.

Wise

Wise is commonly used for international money movement and adds cross-border transfer metadata requirements. Businesses serving diaspora and regional transfers may align HandyPay feeds with Wise payout records for consolidated reporting.

Remitly

Remitly is a frequent choice for remittance corridors, and operational teams often need to reconcile inbound remittance data with local wallet activity. This creates demand for common reference IDs and timestamp standards across systems.

WorldRemit

WorldRemit supports international transfer workflows that can intersect with local wallet funding and withdrawals. Integration teams use standardized status taxonomies to compare completion rates and exception paths.

Western Union

Western Union remains an important remittance channel for many users in the region. When businesses ingest both wallet and remittance data, they often build merged compliance and cashflow dashboards with shared identity and transfer keys.

MoneyGram

MoneyGram contributes another remittance data source in the same ecosystem. Its presence in the integration landscape reinforces the value of provider-agnostic APIs for transaction export and support-case resolution.

About our studio

We are a technical service studio focused on app interface integration and authorized API implementation for fintech, mobile commerce, and data-heavy operations. Our engineers have hands-on experience across mobile apps, payment flows, and protocol-level interface refactoring.

For HandyPay projects, we can deliver protocol analysis, OpenData extraction design, third-party interface bridging, automated data scripting, and developer-ready interface documentation. Engagement can be source-code delivery or usage-based API hosting, depending on your internal engineering capacity.

• Source code delivery from $300: runnable APIs, docs, and test plan with delivery-first payment model.
• Pay-per-call model: hosted API endpoints with usage billing and no upfront integration fee.
• Android and iOS integration scope with authorization/session lifecycle support.

Contact information

Share your target app requirements and expected output format (API, export jobs, webhooks, or full code handover). We will reply with scope, timeline, and deliverable mapping.

Open contact page

Deliverables

• OpenAPI specification for HandyPay transaction export API and wallet sync endpoints.
• Authorization flow report covering login/session refresh and security boundaries.
• Runnable integration source code (commonly Node.js or Python) with environment templates.
• Automated tests for core paths: auth, statement pull, QR event ingest, error retry handling.
• Operational runbook with monitoring metrics, failure playbooks, and incident response notes.

Workflow

1. Scope definition: data entities, required API outputs, and compliance constraints.
2. Interface analysis and schema mapping across app features and business systems.
3. Implementation sprint with milestone demos for auth, statements, and event ingestion.
4. Validation phase with test cases, load checks, and failure-recovery scenarios.
5. Delivery: source code, docs, handover session, and optional hosted API onboarding.