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API referenceBills

List billers/services for a provider category

GET
/api/v1/bills/billers

Authorization

api-key
headerx-api-key<token>

Your API key: ck_test_... for test mode, ck_live_... for live. Send it with x-api-secret (or Authorization: Bearer ).

Query Parameters

provider?string
Default"VTPASS"
Value in"VTPASS""FLUTTERWAVE"
category*string

Provider category code returned by the categories endpoint.

Header Parameters

x-api-secret?string

Recommended: API secret sent over HTTPS. You may send it as Authorization: Bearer instead. If supplied, x-timestamp and x-signature are not required.

x-timestamp?string

Legacy signed mode: Unix time in milliseconds; maximum clock skew five minutes.

x-signature?string

Legacy signed mode: HMAC-SHA256(secret, timestamp.METHOD.url.idempotencyKey.bodyHash).

Response Body

application/json
  1. response
provider*string
Value in"VTPASS""FLUTTERWAVE"
environment*string
Value in"SANDBOX""LIVE"
items*array<>
Example Request
curl -X GET 'https://api.creddot.com/api/v1/bills/billers?category=electricity-bill'
Example Response
{  "provider": "VTPASS",  "environment": "SANDBOX",  "items": [    {      "code": "string",      "name": "string",      "description": "string",      "amountMinor": "string",      "fixedPrice": true,      "customerFieldLabel": "string",      "imageUrl": "string"    }  ]}

List bill products or variations GET

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Pay a bill from the merchant wallet POST

Reserves the selected environment wallet before dispatch. Success consumes the reservation, a definite failure releases it, and an unknown provider outcome remains PROCESSING for requery. Payments are never automatically retried through the secondary provider.