Regex Query Engine & Payment Parser

1. Why Regex Querying on Incoming SMS?

Traditional payment gateways (such as official Merchant APIs) charge 1.5% to 4.0% per transaction, require trade licenses, hold reserves for weeks, and take months of paperwork to get approved.

In high-volume emerging markets (Bangladesh, Kenya, Nigeria, India, Philippines), millions of customers prefer direct P2P Cash-Out or Send-Money to a personal or agent SIM. Whenever a payment is completed, the telecom network or Mobile Financial Service (MFS) immediately transmits an SMS confirmation to the merchant’s phone containing the Transaction ID (TrxID) and the Exact Amount.

2. Query Execution Architecture

3. How to Write Regex Queries with Named Groups

SmsNova uses standard ECMAScript Named Capture Groups ((?<name>...)). When a regex match is found, SmsNova automatically extracts these named groups into a structured JSON dictionary.

4. Global MFS & Banking Pattern Cheat Sheet

The following pre-tested, battle-hardened regular expressions are built into SmsNova and ready for production use.

You have received Tk 1,500.00 from 01712345678. Ref: POSNOVA-1082. Fee Tk 0.00. Balance Tk 48,210.00. TrxID BL72H9XJ at 24/09/2026 20:45

You have received Tk (?<amount>[0-9,]+(?:\.[0-9]{2})?) from (?<senderPhone>01[3-9]\d{8})\..*?TrxID (?<trxId>[A-Z0-9]{8,12})

{
  "provider": "bkash",
  "amount": 1500.00,
  "currency": "BDT",
  "trxId": "BL72H9XJ",
  "senderPhone": "01712345678",
  "timestamp": "2026-09-24T20:45:00.000Z",
  "verified": true
}

Money Received: Tk 2,800.00 from 01887654321. Ref: PosNovaStore. TxnID: 7M2N9P4K. Balance: Tk 14,200.00 at 24/09/2026 20:46

Money Received:\s*Tk\s*(?<amount>[0-9,]+(?:\.[0-9]{2})?)\s*from\s*(?<senderPhone>01[3-9]\d{8})\..*?TxnID:\s*(?<trxId>[A-Z0-9]{8,12})

QDH829KL01 Confirmed. You have received Ksh3,500.00 from JOHN MAINA 254712345678 on 24/9/26 at 8:46 PM. New M-PESA balance is Ksh18,400.00.

(?<trxId>[A-Z0-9]{10})\s+Confirmed\.\s+You have received\s+Ksh(?<amount>[0-9,]+(?:\.[0-9]{2})?)\s+from\s+(?<senderPhone>[A-Z\s\d]+?)\s+on

You have received\s+NGN\s*(?<amount>[0-9,]+(?:\.[0-9]{2})?)\s*from\s*(?<senderPhone>[A-Z\s]+?)\.\s*SessionID:\s*(?<trxId>[0-9]{11,20})

5. Fraud Prevention & Security Guarantees

How do you prevent malicious users from sending spoofed fake SMS messages to your Android gateway? SmsNova implements a 4-tier cryptographic and hardware validation stack:

6. Webhook Listener Example (Next.js / Node.js)

Here is how to receive and automatically approve orders in your Next.js API route when a payment regex match is delivered by SmsNova:

// app/api/webhooks/smsnova/route.ts
import { NextResponse } from "next/server";
import { db } from "@/lib/db";

export async function POST(req: Request) {
  const payload = await req.json();

  // 1. Verify Event Type
  if (payload.event !== "payment.received") {
    return NextResponse.json({ status: "ignored" });
  }

  const { provider, amount, trxId, senderPhone } = payload.data;

  // 2. Find pending order matching this TrxID
  const order = await db.order.findFirst({
    where: {
      trxId: trxId,
      status: "pending_payment",
      totalAmount: amount, // Must match exact bill
    },
  });

  if (!order) {
    // Save to unreconciled pool for manual cashier review
    await db.unreconciledPayment.create({ data: { trxId, amount, provider, senderPhone } });
    return NextResponse.json({ status: "unmatched_saved" });
  }

  // 3. Auto-Approve the Order in < 3ms
  await db.order.update({
    where: { id: order.id },
    data: {
      status: "PAID",
      paidAt: new Date(),
      paymentMethod: provider,
    },
  });

  return NextResponse.json({ success: true, orderId: order.id, status: "PAID" });
}