List inbound credits (money in)

curl --request GET \
  --url https://api.panoflow.io/v1/inbound-credits \
  --header 'Authorization: Bearer <token>'

const options = {method: 'GET', headers: {Authorization: 'Bearer <token>'}};

fetch('https://api.panoflow.io/v1/inbound-credits', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

{
  "object": "list",
  "has_more": true,
  "next_cursor": "icr_01J3PXT891WB09B9Y73MY63FCH",
  "data": [
    {
      "id": "icr_01JCFSECZP11HYGCPWPQ5E6EYC",
      "object": "inbound_credit",
      "response_code": "00",
      "response_message": "Approved or completed successfully",
      "created_at": "2026-10-27T08:41:00Z",
      "updated_at": "2026-10-27T08:41:03Z",
      "amount": {
        "amount": 125000000,
        "currency": "NGN"
      },
      "status": "matched",
      "received_at": "2026-10-27T08:41:00Z",
      "payer": {
        "account_number": "0123984471",
        "bank_code": "058",
        "bank_name": "GTBank",
        "account_name": "KANO FREIGHT SERVICES LTD"
      },
      "narration": "INV-0142 haulage",
      "session_id": "000013261027094100123456789012",
      "received_into": {
        "type": "invoice_virtual_account",
        "account_number": "9001424730"
      },
      "matched_to": {
        "type": "invoice",
        "id": "ivc_01JFBF5KZNWJ47TAN9ZT24MNPZ",
        "label": "INV-0142",
        "matched_by": "account_number"
      },
      "credited_account": {
        "id": "acc_01J26W14WMCHWYFGCW8T7SWM4F",
        "name": "Naira · Main",
        "account_number": "8012457739"
      },
      "transaction_id": "txn_01JPM5Q1NXW1RNJ47E65GH2BH8",
      "matched_at": "2026-10-27T08:41:03Z"
    },
    {
      "id": "icr_01J3PXT891WB09B9Y73MY63FCH",
      "object": "inbound_credit",
      "response_code": "00",
      "response_message": "Approved or completed successfully",
      "created_at": "2026-10-26T14:05:00Z",
      "updated_at": "2026-10-26T14:05:02Z",
      "amount": {
        "amount": 86000000,
        "currency": "NGN"
      },
      "status": "unattached",
      "received_at": "2026-10-26T14:05:00Z",
      "payer": {
        "account_number": "0691224019",
        "bank_code": "044",
        "bank_name": "Access Bank",
        "account_name": "LEKKI PHARMA DISTRIBUTION LTD"
      },
      "narration": "Payment for delivery",
      "session_id": "000014261026150500456789012345",
      "received_into": {
        "type": "account",
        "account_number": "8012457739"
      },
      "matched_to": {
        "type": "account",
        "id": "acc_01J26W14WMCHWYFGCW8T7SWM4F",
        "label": "Naira · Main",
        "matched_by": "account_number"
      },
      "credited_account": {
        "id": "acc_01J26W14WMCHWYFGCW8T7SWM4F",
        "name": "Naira · Main",
        "account_number": "8012457739"
      },
      "transaction_id": "txn_01JVGS9ZM5H3BV4H15G5E4G7X0",
      "matched_at": "2026-10-26T14:05:02Z"
    }
  ]
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

GET

inbound-credits

List inbound credits (money in)

curl --request GET \
  --url https://api.panoflow.io/v1/inbound-credits \
  --header 'Authorization: Bearer <token>'

const options = {method: 'GET', headers: {Authorization: 'Bearer <token>'}};

fetch('https://api.panoflow.io/v1/inbound-credits', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

{
  "object": "list",
  "has_more": true,
  "next_cursor": "icr_01J3PXT891WB09B9Y73MY63FCH",
  "data": [
    {
      "id": "icr_01JCFSECZP11HYGCPWPQ5E6EYC",
      "object": "inbound_credit",
      "response_code": "00",
      "response_message": "Approved or completed successfully",
      "created_at": "2026-10-27T08:41:00Z",
      "updated_at": "2026-10-27T08:41:03Z",
      "amount": {
        "amount": 125000000,
        "currency": "NGN"
      },
      "status": "matched",
      "received_at": "2026-10-27T08:41:00Z",
      "payer": {
        "account_number": "0123984471",
        "bank_code": "058",
        "bank_name": "GTBank",
        "account_name": "KANO FREIGHT SERVICES LTD"
      },
      "narration": "INV-0142 haulage",
      "session_id": "000013261027094100123456789012",
      "received_into": {
        "type": "invoice_virtual_account",
        "account_number": "9001424730"
      },
      "matched_to": {
        "type": "invoice",
        "id": "ivc_01JFBF5KZNWJ47TAN9ZT24MNPZ",
        "label": "INV-0142",
        "matched_by": "account_number"
      },
      "credited_account": {
        "id": "acc_01J26W14WMCHWYFGCW8T7SWM4F",
        "name": "Naira · Main",
        "account_number": "8012457739"
      },
      "transaction_id": "txn_01JPM5Q1NXW1RNJ47E65GH2BH8",
      "matched_at": "2026-10-27T08:41:03Z"
    },
    {
      "id": "icr_01J3PXT891WB09B9Y73MY63FCH",
      "object": "inbound_credit",
      "response_code": "00",
      "response_message": "Approved or completed successfully",
      "created_at": "2026-10-26T14:05:00Z",
      "updated_at": "2026-10-26T14:05:02Z",
      "amount": {
        "amount": 86000000,
        "currency": "NGN"
      },
      "status": "unattached",
      "received_at": "2026-10-26T14:05:00Z",
      "payer": {
        "account_number": "0691224019",
        "bank_code": "044",
        "bank_name": "Access Bank",
        "account_name": "LEKKI PHARMA DISTRIBUTION LTD"
      },
      "narration": "Payment for delivery",
      "session_id": "000014261026150500456789012345",
      "received_into": {
        "type": "account",
        "account_number": "8012457739"
      },
      "matched_to": {
        "type": "account",
        "id": "acc_01J26W14WMCHWYFGCW8T7SWM4F",
        "label": "Naira · Main",
        "matched_by": "account_number"
      },
      "credited_account": {
        "id": "acc_01J26W14WMCHWYFGCW8T7SWM4F",
        "name": "Naira · Main",
        "account_number": "8012457739"
      },
      "transaction_id": "txn_01JVGS9ZM5H3BV4H15G5E4G7X0",
      "matched_at": "2026-10-26T14:05:02Z"
    }
  ]
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

Authorizations

Authorization

string

header

required

Server API key, scoped. pk_test_ keys hit the sandbox tenant.

Headers

X-Request-Id

string

Optional client correlation id, up to 128 characters. It is not echoed: the response's X-Request-Id is always our own req_… id. We log your value with the request as client_request_id, so support can find a request by either id. A longer value is refused with 400 parameter_invalid.

Maximum string length: 128

Query Parameters

limit

integer

default:25

Page size, 1–100.

Required range: 1 <= x <= 100

after

string

Cursor from the previous page's next_cursor. Returns older items. Don't send with before.

before

string

Cursor for the reverse direction: returns the items newer than this one. The page is still sorted newest first; has_more and next_cursor then continue in the same (newer) direction, so pass next_cursor as before to keep paging towards the newest items. Don't send with after.

status

enum<string>[]

Comma-separated statuses. unattached lists credits you can attach to an invoice.

Every inbound credit a business sees is already credited to one of its accounts.

matched: credited to your account and recorded against an invoice, payment link or static virtual account.
unattached: credited to your account, but not tied to any invoice, link or virtual account (e.g. a transfer to Naira · Main without an invoice number). Attach it with matchInboundCredit.

Available options:

matched,

unattached

matched_to_type

enum<string>

Only credits matched to this kind of collection. What a credit was matched to. account means it was credited to the account only.

Available options:

invoice,

payment_link,

virtual_account,

account

invoice_id

string

Only credits matched to this invoice.

payment_link_id

string

Only credits matched to this payment link.

virtual_account_id

string

Only credits received into this static virtual account.

account_id

string

Only credits that settled into this account.

string

Free-text search.

Maximum string length: 200

created_gte

string<date-time>

Only items created at or after this time.

created_lte

string<date-time>

Only items created at or before this time.

include

enum<string>

Set to total_count to add total_count to the list response.

Available options:

total_count

Response

A page of inbound credits.

Cursor page. Domain files compose this with allOf and set data.items.

object

string

required

Allowed value: "list"

data

object[]

required

Items, newest first.

Show child attributes

has_more

boolean

required

True when another page exists.

next_cursor

string | null

Cursor for the next page in the same direction: pass it as after if this page was read with after (or no cursor), as before if it was read with before. Null when has_more is false.

total_count

integer

Only when include=total_count was sent.

Accounts & transactions

Payments

Collections

Payroll

Approvals

Webhooks & events

OAuth

List inbound credits (money in)

Authorizations

Headers

Query Parameters

Response