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is the official Nodejs API wrapper SDK that lets you easily verify crypto payments, run bulk payout, transfer assets and many more.","maintainers":[{"name":"brainyjosh","email":"joshuabrendan5@gmail.com"},{"name":"miracleio","email":"miracleficient@gmail.com"}],"readme":"# 100Pay SDK\n\nA TypeScript library for integrating with the 100Pay payment platform, enabling developers to easily accept cryptocurrency payments, manage transactions, and perform bank transfers.\n\n## Table of Contents\n\n- [Features](#features)\n- [Installation](#installation)\n- [Quick Start](#quick-start)\n- [API Reference](#api-reference)\n  - [Initialization](#initialization)\n  - [Transaction Verification](#transaction-verification)\n  - [Customer Operations](#customer-operations)\n  - [Subaccounts](#subaccounts)\n  - [Currency Conversion](#currency-conversion)\n  - [Asset Transfers](#asset-transfers)\n    - [Multi-Wallet Waterfall Transfers](#multi-wallet-waterfall-transfers)\n  - [Wallet Operations](#wallet-operations)\n  - [Bank Transfers](#bank-transfers)\n  - [OAuth 2.0 Authorization](#oauth-20-authorization)\n  - [Generic API Requests](#generic-api-requests)\n- [Error Handling](#error-handling)\n- [Security and Authentication](#security-and-authentication)\n- [TypeScript Support](#typescript-support)\n- [Common Use Cases](#common-use-cases)\n  - [Accepting Cryptocurrency Payments](#accepting-cryptocurrency-payments)\n  - [Creating Subaccounts for Partners or Marketplaces](#creating-subaccounts-for-partners-or-marketplaces)\n  - [Currency Conversion Preview](#currency-conversion-preview)\n  - [Multi-Wallet Waterfall Transfer](#multi-wallet-waterfall-transfer)\n  - [Bank Transfer Workflow](#bank-transfer-workflow)\n  - [OAuth 2.0 Workflow](#oauth-20-workflow)\n- [Webhook Handling](#webhook-handling)\n- [Resources](#resources)\n- [Development](#development)\n  - [Building from Source](#building-from-source)\n  - [Available Scripts](#available-scripts)\n- [License](#license)\n\n## Features\n\n- ✅ Verify cryptocurrency payments\n- ✅ Create and manage customers with typed ETag-safe lifecycle operations\n- ✅ Create and manage subaccounts\n- ✅ Preview currency conversions\n- ✅ Transfer assets between wallets\n- ✅ Multi-wallet waterfall transfers (combine balances across currencies)\n- ✅ Get supported wallets\n- ✅ Bank transfers with account verification\n- ✅ OAuth 2.0 for secure authorization\n- ✅ Make authenticated API requests\n- ✅ Full TypeScript support with comprehensive typing\n- ✅ Secure server-to-server communication with request signing\n\n## Installation\n\n```bash\nnpm install @100pay-hq/100pay.js\n```\n\nOr using yarn:\n\n```bash\nyarn add @100pay-hq/100pay.js\n```\n\n## Quick Start\n\n```typescript\nimport { Pay100 } from \"@100pay-hq/100pay.js\";\n\n// Initialize the 100Pay client\nconst client = new Pay100({\n  publicKey: \"your_public_key\",\n  secretKey: \"your_secret_key\", // Required for server-side operations\n});\n\n// Verify a transaction\nasync function verifyTransaction(transactionId) {\n  try {\n    const result = await client.verify(transactionId);\n\n    if (result.status === \"success\") {\n      console.log(\"Transaction verified:\", result.data);\n      return result.data;\n    } else {\n      console.error(\"Verification failed:\", result.message);\n      return null;\n    }\n  } catch (error) {\n    console.error(\"Error:\", error.message);\n    throw error;\n  }\n}\n```\n\n## API Reference\n\n### Initialization\n\n```typescript\nconst client = new Pay100({\n  publicKey: string, // Your 100Pay public API key (required)\n  secretKey: string, // Your 100Pay secret API key (required for server-side operations)\n  baseUrl: string, // Optional custom API base URL (defaults to https://api.100pay.co)\n});\n```\n\n### Transaction Verification\n\n```typescript\n// Verify a crypto payment transaction\nconst result = await client.verify(transactionId);\n```\n\n**Parameters:**\n\n| Parameter     | Type   | Description                                |\n| ------------- | ------ | ------------------------------------------ |\n| transactionId | string | The unique ID of the transaction to verify |\n\n**Returns:**\n\n```typescript\ninterface IVerifyResponse {\n  status: \"success\" | \"error\";\n  data?: ITransactionData | null;\n  message?: string;\n}\n```\n\n**Example:**\n\n```typescript\ntry {\n  const result = await client.verify(\"tx_123456789\");\n\n  if (result.status === \"success\") {\n    // Payment is valid\n    const { amount, currency, status } = result.data;\n    // Process order fulfillment\n  } else {\n    // Payment verification failed\n    console.error(result.message);\n  }\n} catch (error) {\n  // Handle verification error\n  if (error instanceof PaymentVerificationError) {\n    console.error(`Payment verification failed: ${error.message}`);\n  }\n}\n```\n\n### Customer Operations\n\nThe `customer` namespace manages merchant customers. It requires a secret API\nkey and uses idempotency keys for every write. Create/get/update responses expose\nthe resource ETag as `response.etag`; pass it as `ifMatch` on guarded writes.\n\n```typescript\nimport { randomUUID } from \"node:crypto\";\n\nconst created = await client.customer.create(\n  {\n    externalReference: \"user-8f2c1a\",\n    firstName: \"Ada\",\n    lastName: \"Obi\",\n    email: \"ada@example.com\",\n  },\n  { idempotencyKey: randomUUID() }\n);\n\nconst updated = await client.customer.update(\n  created.data.id,\n  { displayName: \"Ada O.\" },\n  {\n    idempotencyKey: randomUUID(),\n    ifMatch: created.etag!,\n  }\n);\n\nconst suspended = await client.customer.suspend(\n  updated.data.id,\n  { reason: \"Temporary merchant risk review\" },\n  {\n    idempotencyKey: randomUUID(),\n    ifMatch: updated.etag!,\n  }\n);\n\nconst customers = await client.customer.list({\n  page: 1,\n  limit: 20,\n  status: \"active\",\n  sort: \"createdAt:desc\",\n});\n```\n\nAvailable commands are `create`, `list`, `get`, `update`, `delete`, `restore`,\n`suspend`, `resume`, `restrict`, and `unrestrict`. Public API keys are not\naccepted for customer operations.\n\n### Subaccounts\n\nSubaccounts allow you to create and manage separate accounts under your main account.\n\n> **Important:** The `networks` array must contain lowercase network names (e.g., `\"ethereum\"`, `\"bsc\"`, `\"polygon\"`, `\"tron\"`, `\"sol\"`, `\"bitcoin\"`).\n\n```typescript\n// Create a subaccount\nconst subaccount = await client.subaccounts.create({\n  symbols: [\"BTC\", \"ETH\", \"USDT\"],\n  networks: [\"ethereum\", \"bsc\"],\n  owner: {\n    name: \"Partner Store\",\n    email: \"partner@example.com\",\n    phone: \"+1234567890\",\n  },\n  metadata: {\n    storeId: \"store-123\",\n    region: \"US\",\n  },\n});\n```\n\n**Parameters:**\n\n```typescript\ninterface CreateSubAccountData {\n  symbols: string[]; // List of supported cryptocurrencies\n  networks: string[]; // List of supported blockchain networks (must be lowercase)\n  owner: {\n    name: string; // Owner's name\n    email: string; // Owner's email\n    phone: string; // Owner's phone number\n  };\n  metadata: Record<string, unknown>; // Custom metadata for the subaccount\n}\n```\n\n**Returns:**\n\n```typescript\ninterface CreateSubAccountResponse {\n  message: string;\n  accounts: Account[];\n}\n\ninterface Account {\n  balance: {\n    available: number | null;\n    locked: number | null;\n  };\n  accountType: string; // e.g. \"subaccount\"\n  walletType: string; // e.g. \"crypto\"\n  status: string; // e.g. \"active\"\n  _id: string;\n  name: string; // e.g. \"Tether USDT\"\n  symbol: string; // e.g. \"USDT\"\n  decimals: string; // e.g. \"18\"\n  account: AccountDetails;\n  contractAddress: string;\n  logo: string;\n  userId: string;\n  appId: string;\n  network: string;\n  ownerId: string;\n  parentWallet: string;\n  __v: number;\n}\n\ninterface AccountDetails {\n  address: string;\n  key: Key;\n  network: string;\n}\n\ninterface Key {\n  version: number;\n  id: string;\n  address: string;\n  crypto: Crypto;\n}\n\ninterface Crypto {\n  ciphertext: string;\n  cipherparams: {\n    iv: string;\n  };\n  cipher: string;\n  kdf: string;\n  kdfparams: {\n    dklen: number;\n    salt: string;\n    n: number;\n    r: number;\n    p: number;\n  };\n  mac: string;\n}\n```\n\n**Example:**\n\n```typescript\ntry {\n  const result = await client.subaccounts.create({\n    symbols: [\"USDT\", \"BTC\"],\n    networks: [\"ethereum\"],\n    owner: {\n      name: \"Merchant Store\",\n      email: \"merchant@example.com\",\n      phone: \"+1234567890\",\n    },\n    metadata: {\n      businessType: \"ecommerce\",\n    },\n  });\n\n  console.log(`Created ${result.accounts.length} accounts for the subaccount`);\n  // Store wallet addresses for each account\n  result.accounts.forEach((account) => {\n    console.log(`${account.symbol} wallet: ${account.account.address}`);\n  });\n} catch (error) {\n  console.error(`Failed to create subaccount: ${error.message}`);\n}\n```\n\n### Currency Conversion\n\nPreview currency conversion rates and fees:\n\n```typescript\n// Preview a currency conversion\nconst conversion = await client.conversion.preview({\n  amount: 100,\n  from_symbol: \"BTC\",\n  to_symbol: \"USDT\",\n  appId: \"your_app_id\", // Optional\n});\n```\n\n**Parameters:**\n\n```typescript\ninterface CurrencyConversionPayload {\n  amount: number; // Amount to convert\n  from_symbol?: string; // Source currency symbol (snake_case)\n  to_symbol?: string; // Target currency symbol (snake_case)\n  fromSymbol?: string; // Source currency symbol (camelCase) - for backward compatibility\n  toSymbol?: string; // Target currency symbol (camelCase) - for backward compatibility\n  appId?: string; // Optional application ID\n  mode?: string; // Optional conversion mode\n}\n```\n\n> **Note:** You can use either `from_symbol`/`to_symbol` (snake_case) or `fromSymbol`/`toSymbol` (camelCase). The SDK supports both formats for backward compatibility.\n\n**Returns:**\n\nThe preview may return a simple result or an enhanced response with more details:\n\n```typescript\n// Simple result\ninterface CurrencyConversionResult {\n  convertedAmount: number;              // Final amount after conversion\n  totalAmount: number;                  // Total amount including fees\n  finalAmount: number;                  // Final amount after all deductions\n  feeInUSD: number;                     // Fee amount in USD\n  feeInToCurrency: number;              // Fee amount in target currency\n  feeInFromCurrency: number;            // Fee amount in source currency\n  conversionFeeInUSD: number;           // Conversion fee in USD\n  conversionFeeInToCurrency: number;    // Conversion fee in target currency\n  conversionFeeInFromCurrency: number;  // Conversion fee in source currency\n  fromRate: number;                     // Exchange rate for source currency\n  toRate: number;                       // Exchange rate for target currency\n  intermediateUSDAmount: number;        // Intermediate amount in USD\n  percentageConversionFee: number;      // Percentage conversion fee\n}\n\n// Enhanced response (see types for full structure)\ntype EnhancedConversionResponse = { ... }\n```\n\n**Example:**\n\n```typescript\ntry {\n  const preview = await client.conversion.preview({\n    amount: 0.5,\n    from_symbol: \"BTC\",\n    to_symbol: \"USDT\",\n  });\n\n  if (\"convertedAmount\" in preview) {\n    console.log(`You will receive: ${preview.convertedAmount} USDT`);\n    console.log(\n      `Exchange rate: 1 BTC = ${preview.toRate / preview.fromRate} USDT`,\n    );\n    console.log(\n      `Total fees: ${preview.feeInUSD} USD (${preview.feeInFromCurrency} BTC)`,\n    );\n  } else {\n    // Handle enhanced response\n    console.log(\"Enhanced conversion preview:\", preview);\n  }\n} catch (error) {\n  console.error(`Conversion preview failed: ${error.message}`);\n}\n```\n\n### Asset Transfers\n\nTransfer assets between wallets and manage transfer operations:\n\n```typescript\n// Standard single-wallet transfer\nconst transfer = await client.transfer.executeTransfer({\n  amount: 100,\n  symbol: \"USDT\",\n  to: \"0x1234567890abcdef...\",\n  transferType: \"external\",\n  note: \"Payment for services\",\n  oauthAccessToken: \"your_oauth_token\", // Optional: for OAuth 2.0 authentication\n});\n\n// Multi-wallet waterfall transfer\n// Combines balances from multiple wallets to meet the requested amount\nconst multiTransfer = await client.transfer.executeTransfer({\n  amount: 10,\n  symbol: \"NGN\",\n  to: \"297080\",\n  from: \"625988\",\n  transferType: \"internal\",\n  note: \"Payment for services\",\n  multiWallet: true,\n  walletOrder: [\"USDC\", \"NGN\"], // Debit USDC first, then NGN\n  wallets: [\"USDC\", \"NGN\"],     // Wallets to draw from\n  minBalances: { NGN: 100 },    // Keep at least 100 NGN in the NGN wallet\n});\n\n// Get transfer history\nconst history = await client.transfer.getHistory({\n  page: 1,\n  limit: 10,\n  symbols: [\"USDT\"], // Optional filter by symbols\n  type: \"credit\", // Optional filter: \"credit\" or \"debit\"\n  accountIds: [\"account_123\"], // Optional filter by account IDs\n  addresses: [\"0x...\"], // Optional filter by addresses\n});\n\n// Calculate transfer fees\nconst fees = await client.transfer.calculateFee({\n  symbol: \"USDT\",\n  transferType: \"external\",\n});\n```\n\n**Transfer Parameters:**\n\n```typescript\ninterface ITransferAssetData {\n  amount: number | string;              // Amount to transfer (must be greater than zero)\n  symbol: string;                       // Target asset symbol/currency code\n  to: string;                           // Destination address, payid, or referral code\n  from?: string;                        // Source wallet address (for external transfers)\n  transferType?: \"internal\" | \"external\"; // Type of transfer (default: \"external\")\n  note?: string;                        // Optional note or memo\n  oauthAccessToken?: string;            // Optional OAuth 2.0 access token\n\n  // ── Multi-wallet waterfall options ──────────────────────────────────────\n  multiWallet?: boolean;                // Enable waterfall mode (default: false)\n  walletOrder?: string[];               // Priority order for debiting wallets\n  wallets?: string[];                   // Wallet pool to draw from (defaults to all withdrawable wallets)\n  minBalances?: Record<string, number>; // Floor balances to preserve per wallet\n}\n```\n\n> **Multi-wallet mode** debits wallets in the order specified by `walletOrder`, automatically converting non-primary currency balances to the target `symbol` as needed. If `walletOrder` is omitted the target currency wallet is tried first.\n\n#### Multi-Wallet Waterfall Transfers\n\n**Transfer Response:**\n\n```typescript\ninterface ITransferAssetResponse {\n  statusCode: number;\n  message: string;\n  data: {\n    receipt: string;             // Transaction receipt/confirmation\n    transactionId: string;       // Unique transaction identifier\n    timestamp: string | number;  // Transaction timestamp\n    multiWallet?: true;          // Present when multi-wallet mode was used\n    withdrawalAnalysis?: {       // Only present for multi-wallet transfers\n      sufficientFunds: boolean;\n      totalAvailable: number;    // Total available in requested currency\n      requestedAmount: number;\n      requestedCurrency: string;\n      withdrawalPlan: Array<{\n        symbol: string;                   // Source wallet currency\n        walletId: string;\n        amountInWalletCurrency: number;   // Amount debited in source currency\n        amountInRequestedCurrency: number; // Equivalent in target currency\n        conversionRate: number;\n      }>;\n    };\n  };\n}\n```\n\n**History Parameters:**\n\n```typescript\ninterface ITransferHistoryParams {\n  accountIds?: string[]; // Filter by account IDs\n  addresses?: string[]; // Filter by addresses\n  symbols?: string[]; // Filter by currency symbols\n  page?: number; // Page number for pagination\n  limit?: number; // Records per page\n  type?: string; // Filter by type: \"credit\" or \"debit\"\n}\n```\n\n**History Response:**\n\n```typescript\ninterface ITransferHistoryResponse {\n  statusCode: number;\n  message: string;\n  data: ITransferHistoryItem[];\n  meta: {\n    total: number;\n    page: number;\n    limit: number;\n    pages: number;\n    hasNextPage: boolean;\n    hasPreviousPage: boolean;\n  };\n}\n\ninterface ITransferHistoryItem {\n  _id: string;\n  accountId: string;\n  subAccountId: string;\n  appId: string;\n  userId: string;\n  symbol: string;\n  from: string;\n  to: string;\n  type: \"credit\" | \"debit\";\n  description: string;\n  failureReason: string;\n  transactionHash?: string | null;\n  transactionSignature: string;\n  status?: string;\n  amount: string;\n  note?: string; // Optional note attached to the transfer\n  createdAt?: Date;\n  updatedAt?: Date;\n}\n```\n\n**Fee Response:**\n\n```typescript\ninterface ITransferFeeResponse {\n  statusCode: number;\n  message: string;\n  data: {\n    baseFee: string | number; // Base fee amount\n    networkFee?: string | number; // Network fee (for blockchain transfers)\n    totalFee: string | number; // Total fee to be paid\n    feeSymbol: string; // Currency symbol of the fee\n    networkCongestion?: \"low\" | \"medium\" | \"high\"; // Current network congestion level\n  };\n}\n```\n\n### Wallet Operations\n\nGet information about supported wallets:\n\n```typescript\n// Get supported wallets\nconst wallets = await client.wallet.getSupportedWallets();\nconsole.log(`Supported wallets:`, wallets);\n```\n\n### Bank Transfers\n\nThe SDK supports bank transfer operations including getting bank lists, verifying accounts, and executing transfers:\n\n```typescript\n// Get list of supported banks\nconst bankList = await client.bankTransfer.getBankList();\nconsole.log(`${bankList.data.count} banks available`);\n\n// Verify a bank account\nconst verification = await client.bankTransfer.verifyBank({\n  bankCode: \"044\",\n  accountNumber: \"1234567890\",\n});\n\nif (verification.data.verified) {\n  console.log(`Account verified: ${verification.data.accountName}`);\n\n  // Execute bank transfer\n  const transfer = await client.bankTransfer.transfer({\n    beneficiaryBankCode: \"044\",\n    beneficiaryAccountNumber: \"1234567890\",\n    beneficiaryAccountName: \"John Doe\",\n    amount: 50000, // Amount in Naira (₦50,000)\n    narration: \"Payment for services\",\n    paymentReference: `ref_${Date.now()}`,\n    saveBeneficiary: true,\n  });\n\n  console.log(`Transfer initiated: ${transfer.data.transfer.sessionId}`);\n}\n```\n\n**Bank Transfer Methods:**\n\n#### Get Bank List\n\n```typescript\nconst banks = await client.bankTransfer.getBankList();\n```\n\n**Returns:**\n\n```typescript\ninterface IBankListResponse {\n  statusCode: number;\n  message: string;\n  data: {\n    banks: IBank[];\n    count: number;\n  };\n}\n\ninterface IBank {\n  name?: string;\n  alias?: string[];\n  routingKey?: string;\n  logoImage?: string | null;\n  bankCode?: string;\n  categoryId?: string;\n  nubanCode?: string | null;\n}\n```\n\n#### Verify Bank Account\n\n```typescript\nconst verification = await client.bankTransfer.verifyBank({\n  bankCode: \"044\",\n  accountNumber: \"1234567890\",\n});\n```\n\n**Parameters:**\n\n```typescript\ninterface IVerifyBankData {\n  bankCode: string; // Bank code from the bank list\n  accountNumber: string; // Account number to verify\n}\n```\n\n**Returns:**\n\n```typescript\ninterface IVerifyBankResponse {\n  statusCode: number;\n  message: string;\n  data: {\n    accountName: string;\n    accountNumber: string;\n    bankCode: string;\n    bankName: string;\n    verified: boolean;\n  };\n}\n```\n\n#### Execute Bank Transfer\n\n```typescript\nconst transfer = await client.bankTransfer.transfer({\n  beneficiaryBankCode: \"044\",\n  beneficiaryAccountNumber: \"1234567890\",\n  beneficiaryAccountName: \"John Doe\",\n  amount: 50000, // Amount in Nigerian Naira (NGN)\n  narration: \"Payment description\",\n  paymentReference: \"unique_ref_123\",\n  saveBeneficiary: true,\n});\n```\n\n**Parameters:**\n\n```typescript\ninterface IBankTransferData {\n  beneficiaryBankCode: string; // Recipient's bank code\n  beneficiaryAccountNumber: string; // Recipient's account number\n  beneficiaryAccountName: string; // Recipient's account name\n  amount: number; // Amount in Nigerian Naira (NGN)\n  narration: string; // Transfer description\n  paymentReference: string; // Unique payment reference\n  saveBeneficiary: boolean; // Whether to save this beneficiary\n}\n```\n\n**Returns:**\n\n```typescript\ninterface IBankTransferResponse {\n  statusCode: number;\n  message: string;\n  data: {\n    transfer: {\n      sessionId: string;\n      status: string;\n      amount: number;\n      beneficiaryAccountNumber: string;\n      beneficiaryBankCode: string;\n      paymentReference: string;\n      narration: string;\n      createdAt: string;\n    };\n  };\n}\n```\n\n### OAuth 2.0 Authorization\n\nThe SDK provides comprehensive OAuth 2.0 methods for secure authorization:\n\n#### Register an OAuth Application\n\n```typescript\n// Register a new OAuth application\nconst app = await client.oauth.registerApp({\n  appName: \"My Application\",\n  appDescription: \"Description of my app\",\n  appLogo: \"https://example.com/logo.png\",\n  redirectUris: [\"https://myapp.com/callback\"],\n  allowedScopes: [\"read_user_info\", \"read_app_info\"],\n});\n\nconsole.log(`Client ID: ${app.clientId}`);\nconsole.log(`Client Secret: ${app.clientSecret}`);\n```\n\n#### Get Authorization URL\n\n```typescript\nconst authUrl = await client.oauth.getAuthorizationUrl({\n  client_id: \"your_client_id\",\n  redirect_uri: \"https://yourapp.com/callback\",\n  scope: \"read_user_info read_app_info\",\n  state: \"some_random_state\",\n});\n```\n\n#### Exchange Code for Access Token\n\n```typescript\nconst tokenResponse = await client.oauth.exchangeCodeForToken({\n  grant_type: \"authorization_code\",\n  code: \"authorization_code\",\n  client_id: \"your_client_id\",\n  client_secret: \"your_client_secret\",\n  redirect_uri: \"https://yourapp.com/callback\",\n});\nconst tokenData = tokenResponse.data;\n```\n\n#### Get User Info\n\n```typescript\nconst userInfoResponse = await client.oauth.getUserInfo(tokenData.access_token);\nconst userInfo = userInfoResponse.data;\n```\n\n#### Get App Info\n\n```typescript\nconst appInfoResponse = await client.oauth.getAppInfo(tokenData.access_token);\nconst appInfo = appInfoResponse.data;\n```\n\n#### Revoke Token\n\n```typescript\nawait client.oauth.revokeToken(tokenData.access_token);\nconsole.log(\"Token revoked successfully\");\n```\n\n**OAuth Types:**\n\n```typescript\ninterface IOAuthApp {\n  clientId: string;\n  clientSecret: string;\n  appName: string;\n  redirectUris: string[];\n  allowedScopes: string[];\n}\n\ninterface ITokenData {\n  access_token: string;\n  token_type: string;\n  expires_in: number;\n  scope: string;\n}\n\ninterface IUserInfo {\n  id: string;\n  first_name: string;\n  last_name: string;\n  username: string;\n  country: string;\n  avatar: string;\n  email: string;\n  isEmailVerified: boolean;\n  phone: string;\n  verified: boolean;\n}\n\ninterface IAppInfo {\n  id: string;\n  app_name: string;\n  business_name: string;\n  country: string;\n  status: string;\n  support_email: string;\n}\n```\n\n### Generic API Requests\n\nThe SDK provides a generic `request` method for making any API call to the 100Pay API:\n\n```typescript\nconst response = await client.request<ResponseType>(\n  method, // 'GET', 'POST', 'PUT', or 'DELETE'\n  endpoint, // API endpoint path\n  data, // Request payload or query parameters\n  customHeaders, // Optional: custom headers (e.g., Authorization)\n);\n```\n\n**Example:**\n\n```typescript\n// Get user app balance with custom headers\nconst balance = await client.request<BalanceResponse>(\n  \"GET\",\n  \"/api/v1/user-apps/:appId/wallet-balance/:symbol\",\n  {},\n  { Authorization: `Bearer ${accessToken}` },\n);\n```\n\n## Error Handling\n\nThe SDK provides typed error handling:\n\n```typescript\ntry {\n  const result = await client.verify(transactionId);\n  // Process result\n} catch (error) {\n  if (error instanceof PaymentVerificationError) {\n    // Handle payment verification specific error\n    console.error(`Payment verification failed: ${error.message}`);\n  } else if (error instanceof Error) {\n    // Handle general error\n    console.error(`API error: ${error.message}`);\n  }\n}\n```\n\n## Security and Authentication\n\nThis SDK implements secure authentication with 100Pay using API keys and request signing for server-to-server communications:\n\n1. Each request is signed with HMAC SHA-256 using your secret key\n2. Signatures include a timestamp to prevent replay attacks\n3. All requests include your public API key for identification\n\nClient-side operations can use public key only, while server-side operations require both public and secret keys.\n\n## TypeScript Support\n\nThis package is built with TypeScript and includes full type definitions. The main types are exported for your convenience:\n\n```typescript\nimport {\n  Pay100,\n  PaymentVerificationError,\n  ITransactionData,\n  IVerifyResponse,\n  CreateSubAccountData,\n  CreateSubAccountResponse,\n  CurrencyConversionPayload,\n  CurrencyConversionResult,\n  EnhancedConversionResponse,\n  Account,\n  AccountDetails,\n  ITransferAssetData,\n  ITransferAssetResponse,\n  ITransferHistoryParams,\n  ITransferHistoryResponse,\n  ITransferHistoryItem,\n  ITransferFeeParams,\n  ITransferFeeResponse,\n  ISupportedWalletResponse,\n  IBankListResponse,\n  IBankTransferData,\n  IBankTransferResponse,\n  IVerifyBankData,\n  IVerifyBankResponse,\n  IOAuthApp,\n  ITokenData,\n  IUserInfo,\n  IAppInfo,\n} from \"@100pay-hq/100pay.js\";\n```\n\n## Common Use Cases\n\n### Accepting Cryptocurrency Payments\n\n1. Initialize the SDK with your API keys\n2. When a payment is received, use the `verify` method to confirm the transaction\n3. Process the order or service based on the verification result\n\n### Creating Subaccounts for Partners or Marketplaces\n\n```typescript\nconst subaccount = await client.subaccounts.create({\n  symbols: [\"BTC\", \"ETH\", \"USDT\"],\n  networks: [\"ethereum\"],\n  owner: {\n    name: \"Partner Name\",\n    email: \"partner@example.com\",\n    phone: \"+1234567890\",\n  },\n  metadata: {\n    partnerId: \"partner-123\",\n  },\n});\n\n// Save the subaccount information for future use\nconsole.log(`Created subaccount with ${subaccount.accounts.length} wallets`);\nsubaccount.accounts.forEach((account) => {\n  console.log(`${account.symbol} wallet: ${account.account.address}`);\n});\n```\n\n### Currency Conversion Preview\n\n```typescript\n// Get conversion rates before executing a trade\nconst preview = await client.conversion.preview({\n  amount: 1000,\n  from_symbol: \"USDT\",\n  to_symbol: \"BTC\",\n});\n\n// Show user the conversion details\nif (\"convertedAmount\" in preview) {\n  console.log(`You will receive approximately ${preview.convertedAmount} BTC`);\n  console.log(\n    `Exchange rate: 1 USDT = ${preview.toRate / preview.fromRate} BTC`,\n  );\n  console.log(\n    `Fee: ${preview.feeInFromCurrency} USDT (${preview.feeInUSD} USD)`,\n  );\n} else {\n  // Handle enhanced response\n  console.log(\"Enhanced conversion preview:\", preview);\n}\n```\n\n### Multi-Wallet Waterfall Transfer\n\nWhen a single wallet may not have sufficient balance, enable `multiWallet` mode to automatically combine balances from multiple wallets:\n\n```typescript\n// Scenario: user has 5 USDC and 200 NGN, and needs to send 10 NGN.\n// Use USDC first (converted), top up with NGN if needed.\nconst result = await client.transfer.executeTransfer({\n  amount: 10,\n  symbol: \"NGN\",\n  to: \"recipient-payid\",\n  from: \"sender-payid\",\n  transferType: \"internal\",\n  multiWallet: true,\n  walletOrder: [\"USDC\", \"NGN\"], // Prefer USDC; fall back to NGN\n  wallets: [\"USDC\", \"NGN\"],\n  minBalances: { NGN: 100 },    // Never dip below 100 NGN\n});\n\nif (result.data.multiWallet) {\n  const { withdrawalPlan, totalAvailable } = result.data.withdrawalAnalysis!;\n  console.log(`Funded from ${withdrawalPlan.length} wallet(s):`);\n  withdrawalPlan.forEach((entry) => {\n    console.log(\n      `  ${entry.symbol}: ${entry.amountInWalletCurrency} → ${entry.amountInRequestedCurrency} NGN (rate: ${entry.conversionRate})`\n    );\n  });\n}\n```\n\n**How it works:**\n\n1. Balances from the listed `wallets` are fetched and any `minBalances` floors are subtracted.\n2. Remaining balances are converted to the target `symbol` using live exchange rates.\n3. Wallets are debited in `walletOrder` priority until the requested `amount` is covered.\n4. Cross-currency legs are recorded as conversion transactions before the final transfer.\n\n### Bank Transfer Workflow\n\n```typescript\n// Complete bank transfer workflow\nasync function performBankTransfer() {\n  try {\n    // 1. Get available banks\n    const banks = await client.bankTransfer.getBankList();\n    console.log(`Available banks: ${banks.data.count}`);\n\n    // 2. Find the desired bank\n    const targetBank = banks.data.banks.find((bank) =>\n      bank.name?.includes(\"Access\"),\n    );\n    if (!targetBank) throw new Error(\"Bank not found\");\n\n    // 3. Verify the recipient's account\n    const verification = await client.bankTransfer.verifyBank({\n      bankCode: targetBank.bankCode!,\n      accountNumber: \"1234567890\",\n    });\n\n    if (!verification.data.verified) {\n      throw new Error(\"Account verification failed\");\n    }\n\n    console.log(`Account verified: ${verification.data.accountName}`);\n\n    // 4. Execute the transfer\n    const transfer = await client.bankTransfer.transfer({\n      beneficiaryBankCode: targetBank.bankCode!,\n      beneficiaryAccountNumber: \"1234567890\",\n      beneficiaryAccountName: verification.data.accountName,\n      amount: 50000, // ₦50,000 in Nigerian Naira\n      narration: \"Payment for services rendered\",\n      paymentReference: `PAY_${Date.now()}`,\n      saveBeneficiary: true,\n    });\n\n    console.log(`Transfer successful: ${transfer.data.transfer.sessionId}`);\n    return transfer.data.transfer;\n  } catch (error) {\n    console.error(`Bank transfer failed: ${error.message}`);\n    throw error;\n  }\n}\n```\n\n### OAuth 2.0 Workflow\n\n```typescript\n// Complete OAuth 2.0 workflow\nasync function performOAuth() {\n  try {\n    // 1. Register OAuth application (one-time setup)\n    const app = await client.oauth.registerApp({\n      appName: \"My Application\",\n      appDescription: \"My app description\",\n      appLogo: \"https://example.com/logo.png\",\n      redirectUris: [\"https://myapp.com/callback\"],\n      allowedScopes: [\"read_user_info\", \"read_app_info\"],\n    });\n\n    // 2. Get authorization URL\n    const authUrl = await client.oauth.getAuthorizationUrl({\n      client_id: app.clientId,\n      redirect_uri: \"https://myapp.com/callback\",\n      scope: \"read_user_info read_app_info\",\n      state: \"some_random_state\",\n    });\n    console.log(`Authorization URL: ${authUrl}`);\n\n    // 3. Exchange code for access token (after user authorizes)\n    const tokenResponse = await client.oauth.exchangeCodeForToken({\n      grant_type: \"authorization_code\",\n      code: \"authorization_code_from_callback\",\n      client_id: app.clientId,\n      client_secret: app.clientSecret,\n      redirect_uri: \"https://myapp.com/callback\",\n    });\n\n    // 4. Get user info\n    const userInfoResponse = await client.oauth.getUserInfo(\n      tokenResponse.data.access_token,\n    );\n    console.log(`User info:`, userInfoResponse.data);\n\n    // 5. Get app info\n    const appInfoResponse = await client.oauth.getAppInfo(\n      tokenResponse.data.access_token,\n    );\n    console.log(`App info:`, appInfoResponse.data);\n\n    // 6. Revoke token when done\n    await client.oauth.revokeToken(tokenResponse.data.access_token);\n    console.log(\"Token revoked successfully\");\n  } catch (error) {\n    console.error(`OAuth workflow failed: ${error.message}`);\n    throw error;\n  }\n}\n```\n\n## Webhook Handling\n\n100Pay sends webhooks for various events. Webhook payloads can be categorized into `bank_transfer`, `charge`, and `internal_transfer` events. Below are the type definitions and **real payload examples** for each event type, highlighting the **`type`**, **`eventType`**, and **`transferType`** fields where available.\n\n> **Full reference:** this section covers the most common events. The complete catalog — including `transaction.deposit`, `transaction.status.changed`, `reward.payout`, `wallet.deposit` (on-chain), `transaction_session.*`, and the 15 HMAC-signed `customer.*` events — lives in the [100Pay webhook docs](https://docs.100pay.co/docs/webhooks).\n\n### Verifying Webhooks\n\nEvery webhook request includes a `verification-token` header carrying the secret configured for your endpoint in [Developer Settings](https://dashboard.100pay.co/developers). **Always verify it before processing.**\n\nRequests also carry delivery-tracking headers:\n\n| Header                     | Description                                                                 |\n| -------------------------- | --------------------------------------------------------------------------- |\n| `verification-token`       | Your endpoint's secret — compare against your stored value                  |\n| `x-100pay-event-type`      | Event type (`unknown` for legacy charge payloads)                            |\n| `x-100pay-event-ref`       | Stable resource reference (transaction ID, charge ID, …)                    |\n| `x-100pay-delivery-id`     | Unique per logical delivery, **stable across retries** — use for idempotency |\n| `idempotency-key`          | Same value as `x-100pay-delivery-id`                                         |\n| `x-100pay-attempt-number`  | `1` on first delivery, incremented on retries                               |\n\nFailed deliveries (non-`2xx` or >15s timeout) are retried after 1 minute, 5 minutes, and 30 minutes (4 attempts total), so make your handler idempotent using `x-100pay-delivery-id`.\n\n### Setting Up a Webhook Handler\n\n```typescript\nimport express from \"express\";\n\nconst app = express();\napp.use(express.json());\n\napp.post(\"/webhooks/100pay\", (req, res) => {\n  // 1. Verify the request is from 100Pay\n  if (req.headers[\"verification-token\"] !== process.env.PAY100_VERIFICATION_TOKEN) {\n    return res.sendStatus(401);\n  }\n\n  const payload = req.body;\n\n  // 2. Route the event based on eventType or payload shape\n  if (payload.eventType === \"bank_transfer.debit\") {\n    handleBankTransferWithdrawal(payload);\n  } else if (payload.eventType === \"wallet.deposit.internal\") {\n    handleInternalDeposit(payload);\n  } else if (payload.eventType === \"transaction.withdrawal\") {\n    handleInternalWithdrawal(payload);\n  } else if (payload.type === \"credit\" && payload.chargeId) {\n    // Legacy payment charge payload — has no eventType field\n    handlePaymentCharge(payload);\n  }\n\n  // 3. Acknowledge fast — do heavy work asynchronously\n  res.sendStatus(200);\n});\n```\n\n---\n\n### 1. Bank Transfer Withdrawal\n\nTriggered when an outgoing bank transfer is initiated from your account to an external bank.\n\n**Type Definition:**\n\n```typescript\ninterface BankTransferWithdrawalWebhook {\n  eventType: \"bank_transfer.debit\"; // 👈 Identifies the event\n  transactionId: string;\n  reference: string;\n  amount: number;\n  timestamp: string;\n  transaction: {\n    transactionHash: string;\n    status: \"successful\" | \"pending\" | \"failed\";\n    amount: string;\n    category: string;\n    _id: string;\n    transactionSignature: string;\n    type: \"debit\"; // 👈 Transaction direction\n    accountId: string;\n    appId: string;\n    from: string;\n    symbol: string;\n    to: string;\n  };\n  data: {\n    type: \"Outwards\"; // 👈 Indicates an outgoing transfer\n    sessionId: string;\n    paymentReference: string;\n    provider: string;\n    providerChannel: string;\n    destinationInstitutionCode: string;\n    creditAccountName: string;\n    creditAccountNumber: string;\n    debitAccountName: string;\n    amount: number;\n    fees: number;\n    vat: number;\n    stampDuty: number;\n    status: \"Created\" | \"Processing\" | \"Successful\" | \"Failed\";\n    narration: string;\n  };\n}\n```\n\n**Example Payload:**\n\n```json\n{\n  \"eventType\": \"bank_transfer.debit\",\n  \"transactionId\": \"abc123def456ghi789jkl012\",\n  \"reference\": \"TXF-1700000000000-ab12-cd34\",\n  \"amount\": 50,\n  \"timestamp\": \"2026-03-12T14:45:46.995Z\",\n  \"transaction\": {\n    \"transactionHash\": \"090000000000000000000000000000\",\n    \"status\": \"successful\",\n    \"amount\": \"50\",\n    \"category\": \"uncategorized\",\n    \"_id\": \"abc123def456ghi789jkl012\",\n    \"transactionSignature\": \"pre-1700000000000-xxxxxxxxx-debit-JOHN DOE / 0123456789-My Business\",\n    \"type\": \"debit\",\n    \"accountId\": \"acc_0000000000000000000000\",\n    \"appId\": \"app_0000000000000000000000\",\n    \"from\": \"My Business\",\n    \"symbol\": \"NGN\",\n    \"to\": \"JOHN DOE / 0123456789\"\n  },\n  \"data\": {\n    \"type\": \"Outwards\",\n    \"sessionId\": \"090000000000000000000000000000\",\n    \"paymentReference\": \"TXF-1700000000000-ab12-cd34\",\n    \"provider\": \"NIBSS\",\n    \"providerChannel\": \"NIP\",\n    \"providerChannelCode\": \"2\",\n    \"destinationInstitutionCode\": \"100004\",\n    \"creditAccountName\": \"JOHN DOE\",\n    \"creditAccountNumber\": \"0123456789\",\n    \"debitAccountName\": \"ACME TECHNOLOGIES LIMITED / CURRENT\",\n    \"narration\": \"Payment for consulting services\",\n    \"amount\": 50,\n    \"fees\": 10,\n    \"vat\": 0.75,\n    \"stampDuty\": 0,\n    \"status\": \"Created\"\n  }\n}\n```\n\n**Handler Example:**\n\n```typescript\nfunction handleBankTransferWithdrawal(payload: BankTransferWithdrawalWebhook) {\n  const { reference, amount, transaction, data } = payload;\n\n  console.log(`Bank transfer initiated`);\n  console.log(`Reference: ${reference}`);\n  console.log(\n    `Amount: ₦${amount} → ${data.creditAccountName} (${data.creditAccountNumber})`,\n  );\n  console.log(`Status: ${transaction.status}`);\n  console.log(`Session ID: ${data.sessionId}`);\n\n  // Update your database, notify your user, etc.\n}\n```\n\n---\n\n### 2. Payment Charge (Bank Transfer or Crypto)\n\nTriggered when a payment charge is confirmed — covers both bank transfer top-ups and crypto payments.\n\n**Type Definition:**\n\n```typescript\ninterface PaymentChargeWebhook {\n  type: \"credit\"; // 👈 Charge direction\n  _id: string;\n  chargeId: string;\n  reference: string;\n  data: {\n    from: string;\n    to: string;\n    transaction_id: string;\n    status: \"CONFIRMED\" | \"PENDING\" | \"FAILED\";\n    timestamp: string;\n    value: {\n      local: { amount: string; currency: string };\n      crypto: { amount: number; currency: string };\n    };\n    metadata?: {\n      sessionId?: string;\n      provider?: string;\n      originalAmount?: number;\n      fees?: number;\n      sessionCurrency?: string;\n    };\n    charge: {\n      customer: { user_id: string; name: string; email: string; phone: string };\n      billing: {\n        currency: string;\n        amount: string;\n        description: string;\n        pricing_type: string;\n      };\n      status: {\n        value: \"paid\" | \"pending\" | \"failed\";\n        total_paid: number;\n      };\n      ref_id: string;\n      payments: PaymentRecord[];\n      charge_source: string;\n      call_back_url: string;\n      app_id: string;\n    };\n  };\n  appId: string;\n  cryptoChargeId: string;\n  createdAt: string;\n}\n```\n\n**Example Payload — Bank Transfer Top-up:**\n\n```json\n{\n  \"type\": \"credit\",\n  \"_id\": \"charge_event_0000000000000000\",\n  \"chargeId\": \"charge_0000000000000000\",\n  \"reference\": \"AbCdEfGhIjKlMnOp\",\n  \"data\": {\n    \"from\": \"0123456789\",\n    \"to\": \"9876543210\",\n    \"transaction_id\": \"100000000000000000000000000000\",\n    \"status\": \"CONFIRMED\",\n    \"timestamp\": \"2026-03-12T14:40:29.987Z\",\n    \"value\": {\n      \"local\": { \"amount\": \"50.00\", \"currency\": \"NGN\" },\n      \"crypto\": { \"amount\": 50, \"currency\": \"NGN\" }\n    },\n    \"metadata\": {\n      \"sessionId\": \"VIR_SESSION_0000000000000_XXXXXXXX\",\n      \"provider\": \"safehaven\",\n      \"originalAmount\": 55,\n      \"fees\": 5,\n      \"sessionCurrency\": \"NGN\"\n    },\n    \"charge\": {\n      \"customer\": {\n        \"user_id\": \"1\",\n        \"name\": \"Jane Smith\",\n        \"email\": \"jane.smith@example.com\",\n        \"phone\": \"08000000000\"\n      },\n      \"billing\": {\n        \"currency\": \"NGN\",\n        \"vat\": 0,\n        \"pricing_type\": \"fixed_price\",\n        \"amount\": \"50\",\n        \"description\": \"Funding my account\",\n        \"country\": \"NG\"\n      },\n      \"status\": {\n        \"context\": { \"status\": \"paid\", \"value\": 50 },\n        \"value\": \"paid\",\n        \"total_paid\": 50\n      },\n      \"ref_id\": \"xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx\",\n      \"charge_source\": \"external\",\n      \"call_back_url\": \"https://yourapp.com/verify-order/\",\n      \"app_id\": \"app_0000000000000000000000\"\n    }\n  },\n  \"appId\": \"app_0000000000000000000000\",\n  \"cryptoChargeId\": \"crypto_charge_0000000000000000\",\n  \"createdAt\": \"2026-03-12T14:40:29.998Z\"\n}\n```\n\n**Handler Example:**\n\n```typescript\nfunction handlePaymentCharge(payload: PaymentChargeWebhook) {\n  const { reference, data } = payload;\n  const { charge, value, status } = data;\n\n  if (status !== \"CONFIRMED\") {\n    console.warn(`Charge ${reference} not yet confirmed. Status: ${status}`);\n    return;\n  }\n\n  console.log(`Payment confirmed for ${charge.customer.email}`);\n  console.log(`Amount: ${value.local.currency} ${value.local.amount}`);\n  console.log(`Charge status: ${charge.status.value}`);\n  console.log(`Total paid: ${charge.status.total_paid}`);\n\n  // Fulfill the order, credit the user's account, etc.\n}\n```\n\n---\n\n### 3. Internal Transfer Withdrawal\n\nTriggered when funds are sent from your wallet to another internal 100Pay wallet.\n\n**Type Definition:**\n\n```typescript\ninterface InternalTransferWithdrawalWebhook {\n  eventType: \"transaction.withdrawal\"; // 👈 Identifies the event\n  eventId: string;\n  timestamp: string;\n  transactionId: string;\n  transactionHash: string;\n  amount: string;\n  currency: string;\n  type: \"debit\"; // 👈 Transaction direction\n  status: \"successful\" | \"pending\" | \"failed\";\n  description: string;\n  from: string;\n  to: string;\n  category: \"internal_transfer\";\n  metadata: {\n    transferType: \"internal\"; // 👈 Confirms internal transfer\n    recipientWalletId: string;\n    recipientUserId: string;\n    note?: string;\n    exchangeRates?: ExchangeRate[];\n  };\n}\n```\n\n**Example Payload:**\n\n```json\n{\n  \"eventType\": \"transaction.withdrawal\",\n  \"eventId\": \"xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx\",\n  \"timestamp\": \"2026-03-12T13:42:46.165Z\",\n  \"transactionId\": \"txn_0000000000000000000000\",\n  \"transactionHash\": \"DR_0000000000000_XXXXXXXX\",\n  \"amount\": \"100\",\n  \"currency\": \"NGN\",\n  \"type\": \"debit\",\n  \"status\": \"successful\",\n  \"description\": \"Internal transfer to 160005\",\n  \"from\": \"625988\",\n  \"to\": \"160005\",\n  \"category\": \"internal_transfer\",\n  \"metadata\": {\n    \"recipientWalletId\": \"wallet_0000000000000000000000\",\n    \"recipientUserId\": \"user_0000000000000000000000\",\n    \"recipientWallet\": {\n      \"balance\": { \"available\": 0, \"locked\": 0 },\n      \"accountType\": \"mainaccount\",\n      \"walletType\": \"local\",\n      \"status\": \"active\",\n      \"name\": \"NGN\",\n      \"symbol\": \"NGN\"\n    },\n    \"transferType\": \"internal\",\n    \"note\": \"PAYXXXXXXXX\",\n    \"exchangeRates\": [\n      {\n        \"symbol\": \"USDT\",\n        \"price\": 1.0002,\n        \"margin\": 0,\n        \"last_updated\": \"2026-03-12T13:40:01.107Z\"\n      },\n      {\n        \"symbol\": \"NGN\",\n        \"price\": 0.00073,\n        \"margin\": 0,\n        \"last_updated\": \"2026-03-12T13:40:01.982Z\"\n      }\n    ]\n  }\n}\n```\n\n**Handler Example:**\n\n```typescript\nfunction handleInternalWithdrawal(payload: InternalTransferWithdrawalWebhook) {\n  const { transactionId, amount, currency, from, to, status, metadata } =\n    payload;\n\n  console.log(`Internal withdrawal processed`);\n  console.log(`Transaction ID: ${transactionId}`);\n  console.log(`Amount: ${currency} ${amount} from wallet ${from} → ${to}`);\n  console.log(`Status: ${status}`);\n\n  if (metadata.note) {\n    console.log(`Note: ${metadata.note}`);\n  }\n\n  // Log or update your records accordingly\n}\n```\n\n---\n\n### 4. Internal Transfer Deposit\n\nTriggered when funds arrive in your wallet from another internal 100Pay wallet.\n\n**Type Definition:**\n\n```typescript\ninterface InternalTransferDepositWebhook {\n  eventType: \"wallet.deposit.internal\"; // 👈 Identifies the event\n  transactionHash: string;\n  status: \"successful\" | \"pending\" | \"failed\";\n  amount: string;\n  category: string;\n  _id: string;\n  transactionSignature: string;\n  from: string;\n  symbol: string;\n  to: string;\n  type: \"credit\"; // 👈 Transaction direction\n  transferType: \"internal\"; // 👈 Confirms internal transfer\n  note?: string;\n  network?: string;\n  timestamp: string;\n  accountId: string;\n  appId: string;\n  userId: string;\n}\n```\n\n**Example Payload:**\n\n```json\n{\n  \"eventType\": \"wallet.deposit.internal\",\n  \"transactionHash\": \"internal-transfer-txn_0000000000000000000000\",\n  \"status\": \"successful\",\n  \"amount\": \"500\",\n  \"category\": \"uncategorized\",\n  \"_id\": \"txn_0000000000000000000000\",\n  \"transactionSignature\": \"internal-transfer-txn_0000000000000000000000-credit-625988-916698\",\n  \"from\": \"916698\",\n  \"symbol\": \"NGN\",\n  \"to\": \"625988\",\n  \"type\": \"credit\",\n  \"transferType\": \"internal\",\n  \"note\": \"Hello there!\",\n  \"network\": \"bsc\",\n  \"timestamp\": \"2026-03-12T13:32:35.200Z\",\n  \"accountId\": \"acc_0000000000000000000000\",\n  \"appId\": \"app_0000000000000000000000\",\n  \"userId\": \"user_0000000000000000000000\"\n}\n```\n\n**Handler Example:**\n\n```typescript\nfunction handleInternalDeposit(payload: InternalTransferDepositWebhook) {\n  const { amount, symbol, from, to, status, note, timestamp } = payload;\n\n  console.log(`Internal deposit received`);\n  console.log(`Amount: ${symbol} ${amount} from wallet ${from} → ${to}`);\n  console.log(`Status: ${status}`);\n  console.log(`Time: ${timestamp}`);\n\n  if (note) {\n    console.log(`Message from sender: \"${note}\"`);\n  }\n\n  // Credit the recipient's account balance in your system\n}\n```\n\n---\n\n### Common Webhook Event Types\n\n| Event Type                       | Direction | Description                                                                 |\n| -------------------------------- | --------- | ---------------------------------------------------------------------------- |\n| *(none — `chargeId` + `type: \"credit\"`)* | Incoming  | Payment received on a charge (checkout / payment link / API charge)  |\n| `bank_transfer.debit`            | Outgoing  | Bank transfer sent to an external bank account (fires per status transition) |\n| `bank_transfer.credit`           | Incoming  | Bank transfer received from an external source                               |\n| `wallet.deposit`                 | Incoming  | On-chain crypto deposit received at a wallet address                          |\n| `wallet.deposit.internal`        | Incoming  | Internal wallet deposit received                                              |\n| `transaction.deposit`            | Incoming  | Wallet credit transaction recorded                                            |\n| `transaction.withdrawal`         | Outgoing  | Wallet debit transaction recorded                                             |\n| `transaction.status.changed`     | —         | A transaction moved between statuses (e.g. `pending → successful`)           |\n| `reward.payout`                  | Incoming  | Reward paid out to a wallet                                                   |\n| `transaction_session.completed` / `.expired` | — | Payment session finished or timed out (sent to the session `callbackUrl`) |\n| `customer.*` (15 events)         | —         | Customer lifecycle, virtual bank account & deposit events (HMAC-signed)      |\n\nSee the [webhook docs](https://docs.100pay.co/docs/webhooks) for payload schemas of every event.\n\n> **Security Note:** Always verify webhook authenticity and use the SDK's `verify()` method to confirm transaction details before updating your system.\n\n```typescript\n// Always verify the transaction after receiving a webhook\nasync function onWebhookReceived(payload: any) {\n  if (payload.data?.transaction_id || payload.transactionId) {\n    const txId = payload.data?.transaction_id || payload.transactionId;\n    const verified = await client.verify(txId);\n\n    if (verified.status !== \"success\") {\n      console.warn(\"Transaction verification failed — ignoring webhook\");\n      return;\n    }\n  }\n\n  // Safe to process\n}\n```\n\n> **Note:** Refer to the [100Pay webhook documentation](https://docs.100pay.co/docs/webhooks) for the complete list of webhook events, payload schemas, delivery headers, and retry behavior.\n\n## Resources\n\n- [100Pay Platform](https://100pay.co)\n- [100Developers Portal](https://100pay.co) - Get your API keys here\n- [API Documentation](https://documenter.getpostman.com/view/13045730/2s93RMUatE)\n\n## Development\n\n### Building from Source\n\n```bash\n# Clone the repository\ngit clone https://github.com/shop100global/100pay.js.git\ncd 100pay.js\n\n# Install dependencies\nnpm install\n\n# Build the project\nnpm run build\n```\n\n### Available Scripts\n\n- `npm run build` - Build the TypeScript code\n- `npm run build:clean` - Clean the dist directory and build\n- `npm run test` - Run tests\n- `npm run lint` - Lint the code\n- `npm run lint:fix` - Lint and fix code\n\n## License\n\n[MIT License](LICENSE.md)\n","readmeFilename":"README.MD"}