System status
You can make this call from your code, a REST client, or your postman using your live credentials. This verifies your live credentials and your associated appID. These values are likely to be constants within your application.
POST: https://api.creditchek.africa/v1/recova/system_status
It will return an HTTP status of 200, with a “Service is available” message. If there’s a return of HTTP status 401 as unauthorised (“invalid credentials or AppID used for the connection request”), other 4xx or 5xx, this should indicate that the “service is temporarily unavailable”. The JSON response should always be parsed.
Contact [email protected] if you encounter any error responses at this stage.
Request Parameters
| Name | Position | Required | Description |
|---|---|---|---|
| token | Headers | True | app secret key |
Mandate Lifecycle Context
Initiated → [Consent Created] → Pending → (Approval) → Active ✅
↓
Never Approved → Failed ❌
A failed consent means:
- The customer selected the bank and started the consent flow
- The consent record was created in the database
- The mandate remained in
pendingstatus - The consent was never approved — no transition to
activeoccurred - The mandate may still be
pendingwith other consents, or may have been abandoned
Possible Reasons for Failure
| Reason | Description | Evidence from our operations so far |
|---|---|---|
| Abandoned Flow | Customer started but did not complete the bank authentication step | Single consent per mandate, no retries |
| Bank-Side Rejection | The bank declined the consent request (e.g., account restrictions) | Same bank retried with different accounts |
| Timeout | The consent link expired before the customer completed the flow | Single consent, long gap before next attempt |
| Network/Integration Error | Technical failure between Recova and the bank's API | Exact duplicate retries (same bank + same account) |
| Customer Withdrawal | Customer intentionally canceled the consent process | Multiple banks tried, all abandoned |
Full Accepted Bank List (Reference)
| Bank Name | Bank Code | NIP Code | Direct Debit |
|---|---|---|---|
| ACCESS BANK PLC | 044 | 000014 | Yes |
| KEYSTONE BANK PLC | 082 | 000002 | Yes |
| ECOBANK NIGERIA PLC | 050 | 000010 | Yes |
| FIDELITY BANK PLC | 070 | 000007 | Yes |
| FIRST BANK OF NIGERIA PLC | 011 | 000016 | Yes |
| FIRST CITY MONUMENT BANK PLC | 214 | 000003 | Yes |
| GUARANTY TRUST BANK PLC | 058 | 000013 | Yes |
| STANBIC IBTC BANK PLC | 221 | 000012 | Yes |
| POLARIS BANK | 076 | 000008 | Yes |
| STANDARD CHARTERED BANK PLC | 068 | 000021 | Yes |
| STERLING BANK PLC | 232 | 000001 | Yes |
| UNION BANK OF NIGERIA PLC | 032 | 000018 | Yes |
| UNITED BANK FOR AFRICA PLC | 033 | 000004 | Yes |
| UNITY BANK PLC | 215 | 000011 | Yes |
| WEMA BANK PLC | 035 | 000017 | Yes |
| ZENITH INTERNATIONAL BANK PLC | 057 | 000015 | Yes |
| JAIZ BANK | 301 | 000006 | Yes |
| TAJ BANK | 302 | 000026 | Yes |
| PROVIDUS | 101 | 000023 | Yes |
| SUNTRUST | 100 | 000022 | Yes |
| TITAN TRUST BANK | 102 | 000025 | Yes |
| Globus Bank | 103 | 000027 | Yes |
| 9 Payment Service Bank | 802 | 120001 | Yes |
| MONIEPOINT MICROFINANCE BANK | 796 | 090405 | Yes |