Changelog

Track what's new, improved, and changed in the Credo platform and API.

2025

February 2025

API v2.1.0 - February 15, 2025

New features:

• Payment Links API - Create and manage payment links programmatically
• Bulk payouts endpoint - Process up to 500 payouts in a single request
• Webhook retry configuration - Customize retry intervals and max attempts

Improvements:

• 40% faster transaction initialization
• Enhanced error messages for validation failures
• New metadata field in settlement reports

Bug fixes:

• Fixed: Occasional timeout on high-volume transaction verification
• Fixed: Currency conversion rounding issues for USD transactions
• Fixed: Webhook signature validation failing on certain payloads

Breaking changes:

• None

API v2.0.5 - February 1, 2025

Bug fixes:

• Fixed: Split settlement calculation error when using flat amounts
• Fixed: Dashboard settlement export missing some transactions
• Fixed: Mobile SDK connection issues on slow networks

Improvements:

• Added support for GHS (Ghana Cedi) and ZAR (South African Rand) in React Native SDK
• Improved 3DS authentication flow success rate

January 2025

API v2.0.0 - January 20, 2025

Breaking changes:

• transactionReference field renamed to transRef in all responses
• currency field now requires uppercase (e.g., NGN not ngn)
• Dropped support for TLS 1.0 and 1.1 (TLS 1.2+ required)

New features:

• Multi-currency settlements - Receive settlements in USD, GBP, or EUR
• Real-time transaction alerts - WebSocket API for instant notifications
• Enhanced fraud detection - ML-powered risk scoring

Improvements:

• 99.99% uptime SLA for enterprise customers
• Settlement reports now include fee breakdown
• API rate limits increased for verified merchants

Migration guide:

// Before (v1.x)
const ref = response.data.transactionReference;

// After (v2.x)
const ref = response.data.transRef;

Dashboard Update - January 10, 2025

New features:

• Redesigned transaction details page
• Advanced filtering and search in reports
• Dark mode support
• Team activity audit log

Improvements:

• 2x faster dashboard load times
• Improved mobile responsiveness
• Export to Excel format added

2024

December 2024

Flutter SDK v1.2.0 - December 15, 2024

New features:

• Apple Pay support - Accept Apple Pay on iOS devices
• Custom themes - Match payment UI to your app branding

Bug fixes:

• Fixed: iOS 17 compatibility issues
• Fixed: Memory leak in payment modal

React Native SDK v1.1.0 - December 1, 2024

New features:

• Expo support - Works with Expo managed workflow
• TypeScript definitions - Full TypeScript support

November 2024

API v1.9.0 - November 20, 2024

New features:

• Virtual accounts - Generate temporary bank account numbers for transfers
• Scheduled settlements - Configure automatic settlement schedules

Improvements:

• Webhook delivery reliability improved to 99.95%
• Settlement processing time reduced from 24h to same-day

October 2024

Security Update - October 15, 2024

Security:

• Rotated all signing certificates
• Enhanced API key encryption
• Added IP allowlisting for API access

Action required:

• Update webhook signature verification if you have custom implementations

September 2024

API v1.8.0 - September 1, 2024

New features:

• Invoicing API - Create and send invoices programmatically
• Customer management - Store and manage customer profiles

Version history

Upcoming changes

Q1 2025

• Recurring payments - Subscription and recurring charge support
• Crypto payments - Accept USDC and USDT
• GraphQL API - Beta release of GraphQL endpoint

Q2 2025

• Multi-tenant API keys - Separate keys per business unit
• Advanced analytics - Transaction insights and forecasting
• OpenAPI 3.1 spec - Updated API specification

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