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POST
/
v1
/
ugwo
/
{ugwoUid}
/
activities
curl https://api.kwugwo.africa/v1/ugwo/ugw.VCvr.qnbBJaElzSTHOcaTzxbuDlIs/activities \
  -H "Authorization: Bearer $KWUGWO_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "charge",
    "data": {
      "medium": "bank_transfer",
      "expires_at": "2026-05-15T10:30:00+00:00"
    }
  }'

{
  "uid": "act.VCvr.qnbBJaElzSTHOcaTzxbuDlIs",
  "activity_type": "charge",
  "checkout": {
    "uid": "chk.VCvr.vBtGwathtd99FpQGIGwIAATX",
    "currency": ["NGN", "Nigerian Naira (NGN)"],
    "mediums": [
      { "medium": "bank_transfer" },
      { "medium": "ussd" }
    ]
  },
  "ugwo_medium": null,
  "psp": "paystack_ng",
  "psp_external_id": "5kfxw34ugz",
  "next_action": {
    "type": "user_action",
    "instruction": "Transfer to bank",
    "headers": {
      "bank_name": "Test Bank",
      "expires_at": "2026-05-14T20:10:50+00:00",
      "account_name": "PAYSTACK CHECKOUT",
      "account_number": "1260881821"
    }
  },
  "status": "requires_action",
  "created_at": "2026-05-14T19:55:50+00:00",
  "error": null,
  "updated_at": "2026-05-14T19:55:51+00:00"
}

Documentation Index

Fetch the complete documentation index at: https://docs.kwugwo.africa/llms.txt

Use this file to discover all available pages before exploring further.

Creates an activity on the ugwo. The activity describes one attempt to act on the payment — today the only supported type is charge, which sends the ugwo to a PSP through the medium you specify. Activities are independent: a single ugwo can host many of them. If a mobile_money charge fails, you can immediately create a bank_transfer activity on the same ugwo without recreating it.

​
Path parameters

​
ugwoUid
string
required
The ugwo to charge — ugw.XXXX.YYYY....

​
Body parameters

​
type
string
required
The activity type. Currently only charge is supported.
​
data
object
required
Type-specific payload. data.medium selects the payment medium, and the rest of the keys inside data are the parameters for that medium (see Medium parameters below).

​
Medium parameters

data.medium is one of bank_transfer, ussd, or mobile_money. The other keys inside data depend on which one you picked. 
{
  "type": "charge",
  "data": {
    "medium": "bank_transfer",
    "expires_at": "2026-05-15T10:30:00+00:00"
  }
}
​
expires_at
string
ISO-8601 (DATE_ATOM) timestamp for when the virtual account should stop accepting transfers. Optional — defaults to 15 minutes from now. Must be in the future and no more than 15 minutes ahead; timestamps in the past or further out than 15 minutes return 422.
Available for Nigeria (NGN).

​
Response

​
uid
string
Activity ID (act.…).
​
activity_type
string
Always charge for this endpoint.
​
status
string
Initial activity status. requires_action when the customer has more to do (bank transfer, USSD), processing when handed off to the PSP without further customer input, or failed on a synchronous error.
​
checkout
object | null
Snapshot of the checkout this activity was routed through. Includes uid, the currency as [code, label], and the configured mediums.
​
ugwo_medium
object | null
Tokenised medium (e.g. a stored card or wallet) the activity used — null for one-off mediums like bank_transfer.
​
psp
string
The PSP that handled the charge — e.g. paystack_ng.
​
psp_external_id
string | null
The reference the PSP issued for this attempt. Useful when cross-referencing in your PSP dashboard.
​
next_action
object | null
What the customer needs to do next, if anything. See next_action shape.
​
error
object | null
Populated when the activity failed synchronously.
​
created_at
string
ISO-8601 timestamp.
​
updated_at
string
ISO-8601 timestamp.

​
next_action shape

For bank_transfer, next_action.type is user_action and the headers block carries everything the customer needs to complete the transfer (account number, bank name, expiry, amount). 
{
  "type": "user_action",
  "instruction": "Transfer to bank",
  "headers": {
    "bank_name": "Test Bank",
    "expires_at": "2026-05-14T20:10:50+00:00",
    "account_name": "PAYSTACK CHECKOUT",
    "account_number": "1260881821"
  }
}

curl https://api.kwugwo.africa/v1/ugwo/ugw.VCvr.qnbBJaElzSTHOcaTzxbuDlIs/activities \
  -H "Authorization: Bearer $KWUGWO_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "charge",
    "data": {
      "medium": "bank_transfer",
      "expires_at": "2026-05-15T10:30:00+00:00"
    }
  }'

{
  "uid": "act.VCvr.qnbBJaElzSTHOcaTzxbuDlIs",
  "activity_type": "charge",
  "checkout": {
    "uid": "chk.VCvr.vBtGwathtd99FpQGIGwIAATX",
    "currency": ["NGN", "Nigerian Naira (NGN)"],
    "mediums": [
      { "medium": "bank_transfer" },
      { "medium": "ussd" }
    ]
  },
  "ugwo_medium": null,
  "psp": "paystack_ng",
  "psp_external_id": "5kfxw34ugz",
  "next_action": {
    "type": "user_action",
    "instruction": "Transfer to bank",
    "headers": {
      "bank_name": "Test Bank",
      "expires_at": "2026-05-14T20:10:50+00:00",
      "account_name": "PAYSTACK CHECKOUT",
      "account_number": "1260881821"
    }
  },
  "status": "requires_action",
  "created_at": "2026-05-14T19:55:50+00:00",
  "error": null,
  "updated_at": "2026-05-14T19:55:51+00:00"
}