API Paiement
Wallet Partenaire

{
  "error": {
    "code": "INVALID_KYC_DATA",
    "message": "Données KYC incomplètes ou malformées.",
    "details": {
      "missing_fields": ["beneficiary_kyc.document.photo_selfie_url", "beneficiary_kyc.date_of_birth"]
    },
    "request_id": "req_1a2b3c4d..."
  }
}

{
  "error": {
    "code": "UNAUTHORIZED_PARTNER",
    "message": "Clé partenaire invalide ou absente.",
    "details": {
      "partner_id": "WALLET_PARTNER",
      "reason": "X-Partner-Key manquante ou révoquée"
    },
    "request_id": "req_2b3c4d5e..."
  }
}

{
  "error": {
    "code": "TRANSACTION_NOT_FOUND",
    "message": "Transaction introuvable ou non accessible.",
    "details": {
      "ria_reference": "RIA-2024-XXXXX"
    },
    "request_id": "req_3c4d5e6f..."
  }
}

{
  "error": {
    "code": "TRANSACTION_NOT_PAYABLE",
    "message": "La transaction n'est pas dans un état payable.",
    "details": {
      "ria_reference": "RIA-124xxxxxxxxx",
      "ria_status": "ALREADY_PAID",  // ALREADY_PAID | BLOCKED | EXPIRED | ON_HOLD
      "reason": "Cette transaction a déjà été payée."
    },
    "request_id": "req_4d5e6f7g..."
  }
}

{
  "error": {
    "code": "TRANSACTION_NOT_FOUND",  // intentionnellement identique au cas "introuvable"
    "message": "Transaction introuvable ou non accessible.",
    "details": {
      "ria_reference": "RIA-124xxxxxxxxx"
      // Aucune indication sur la raison réelle pour des raisons de sécurité
    },
    "request_id": "req_5e6f7g8h..."
  }
}

{
  "transaction_id": "CHC-TXN-20240615-00456",  // transaction originale
  "status": "INITIÉE",
  "ria_reference": "RIA-124xxxxxxxxx",
  "idempotency_key": "550e8400-e29b-41d4-a716-446655440000",
  "duplicate": true,
  "original_created_at": "2024-06-15T14:30:00Z"
}

{
  "transaction_id": "CHC-TXN-20240615-00456",
  "status": "EN_COURS_DE_VÉRIFICATION",
  "ria_reference": "RIA-124xxxxxxxxx",
  "aml_status": "PENDING_REVIEW",
  "aml_alert_reason": "HIGH_AMOUNT",  // HIGH_AMOUNT | HIGH_FREQUENCY | RISKY_COUNTRY
  "amount": { "value": 50000, "currency": "MRU" },
  "ready_for_credit": false,
  "credit_token": null,  // absent tant que non validée
  "estimated_review_time": "PT30M",
  "updated_at": "2024-06-15T14:34:02Z"
}

{
  "transaction_id": "CHC-TXN-20240615-00456",
  "status": "BLOQUÉE_AML",
  "ria_reference": "RIA-124xxxxxxxxx",
  "aml_status": "BLOCKED",
  "aml_block_reason": "SANCTION_LIST_MATCH",
  "ready_for_credit": false,
  "credit_token": null,
  "updated_at": "2024-06-15T14:35:00Z"
}

{
  "transaction_id": "CHC-TXN-20240615-00456",
  "status": "REJETÉE_PAR_RIA",
  "ria_reference": "RIA-124xxxxxxxxx",
  "aml_status": "CLEARED",
  "ria_rejection_reason": "COMPLIANCE_REVIEW_FAILED",
  "ready_for_credit": false,
  "credit_token": null,
  "updated_at": "2024-06-15T14:50:00Z"
}

{
  "error": {
    "code": "TRANSACTION_NOT_FOUND",  // intentionnellement identique au 404
    "message": "Transaction introuvable ou non accessible.",
    "details": {
      "transaction_id": "CHC-TXN-20240615-00456"
    },
    "request_id": "req_6f7g8h9i..."
  }
}

{
  "error": {
    "code": "TRANSACTION_NOT_FOUND",
    "message": "Transaction introuvable ou non accessible.",
    "details": {
      "transaction_id": "CHC-TXN-20240615-XXXXX"
    },
    "request_id": "req_7g8h9i0j..."
  }
}

{
  "error": {
    "code": "INVALID_CREDIT_TOKEN",
    "message": "Le credit_token a expiré.",
    "details": {
      "transaction_id": "CHC-TXN-20240615-00456",
      "reason": "TOKEN_EXPIRED",
      "expired_at": "2024-06-15T14:49:10Z",
      "action": "Appeler GET /v1/wallet/status/{id} pour un nouveau token"
    },
    "request_id": "req_8h9i0j1k..."
  }
}

{
  "error": {
    "code": "INVALID_CREDIT_TOKEN",
    "message": "Le credit_token a déjà été utilisé.",
    "details": {
      "transaction_id": "CHC-TXN-20240615-00456",
      "reason": "TOKEN_ALREADY_USED",
      "used_at": "2024-06-15T14:36:45Z",
      "current_status": "CRÉDITÉE_WALLET"
    },
    "request_id": "req_9i0j1k2l..."
  }
}

{
  "error": {
    "code": "WALLET_ACCOUNT_MISMATCH",
    "message": "Le wallet_account_id ne correspond pas à la transaction.",
    "details": {
      "transaction_id": "CHC-TXN-20240615-00456",
      "reason": "ACCOUNT_ID_MISMATCH"
      // Le wallet_account_id attendu n'est pas divulgué pour des raisons de sécurité
    },
    "request_id": "req_0j1k2l3m..."
  }
}

{
  "error": {
    "code": "AMOUNT_MISMATCH",
    "message": "Le montant soumis ne correspond pas au montant validé.",
    "details": {
      "transaction_id": "CHC-TXN-20240615-00456",
      "amount_submitted": 200000,
      "amount_expected": 25000,
      "currency": "MRU"
    },
    "request_id": "req_1k2l3m4n..."
  }
}

{
  "error": {
    "code": "RIA_UNAVAILABLE",
    "message": "L'API RIA est temporairement indisponible. Réessayez.",
    "details": {
      "transaction_id": "CHC-TXN-20240615-00456",
      "current_status": "VALIDÉE_PAR_RIA",  // statut inchangé
      "retry_after": 30,  // secondes avant de réessayer
      "credit_token_still_valid": true
    },
    "request_id": "req_2l3m4n5o..."
  }
}

{
  "error": {
    "code": "CANNOT_CANCEL",
    "message": "La transaction ne peut pas être annulée dans son état actuel.",
    "details": {
      "transaction_id": "CHC-TXN-20240615-00456",
      "current_status": "CRÉDITÉE_WALLET",
      "reason": "La transaction a déjà été créditée sur le wallet client."
    },
    "request_id": "req_3m4n5o6p..."
  }
}

{
  "error": {
    "code": "CANNOT_CANCEL",
    "message": "La transaction ne peut pas être annulée dans son état actuel.",
    "details": {
      "transaction_id": "CHC-TXN-20240615-00456",
      "current_status": "VALIDÉE_PAR_RIA",
      "reason": "Transaction validée par RIA — contacter RIA pour toute demande de remboursement."
    },
    "request_id": "req_4n5o6p7q..."
  }
}

{
  "error": {
    "code": "TRANSACTION_NOT_FOUND",
    "message": "Transaction introuvable ou non accessible.",
    "details": {
      "transaction_id": "CHC-TXN-20240615-XXXXX"
    },
    "request_id": "req_5o6p7q8r..."
  }
}