Glossary

Term	Definition
ref	Your durable, unique reference for a write operation. Keep it while reconciling a timeout or retry.
Webhook event ID	The X-Payscribe-Event-Id delivery identifier. Store it once to make webhook processing duplicate-safe.
Available balance	Funds currently available for a new operation.
Ledger balance	The recorded account balance, which can include pending or processing movements.
Reconciliation	Confirming an operation's final provider, transaction, and wallet state before updating your own records.
NUBAN	Nigerian Uniform Bank Account Number (10 digits)
NIP	Nigeria Interbank Payment — instant bank transfer system
STK	Secret Test Key — for sandbox API calls
API key	Dashboard-issued ps_pk_test_... or ps_pk_live_... credential used to authenticate direct API requests from your server.
KYC	Know Your Customer — identity verification process