Account

Sub-module with APIs for performing actions under 'Account' as a resource. Some of the key functions that you can do here with a business account are -

Create a new physical bank account (for individuals and proprietorships) with our bank partners
Check the latest opening status of a new bank account
Link an existing and running business bank account with your platform for API-based operations

Create Account

This API allows you to seamlessly create a current account for individuals, proprietorships, and OPC concerns (Companies & Partnerships are in the pipeline)

📘
Note
Your customer/account owner will get a call from the closest bank branch for a physical visit within 72 hours of a successful response from this API. Please keep your tracker-Id, crmLeadId, and the application No. from the response handy for the same. Please note that as per RBI regulations, the physical visit from the bank correspondent is necessary for the activation of the business bank account

For all the categorical fields refer the table below.

Constitution

Constitution	Value
Individual	IN
Proprietorship	PR
Private Limited Company	PV
Public Limited Company	PU
Partnership	PP
LLP	LP
HUF	HF
OPC	OP

Gender

Parameter	Value
Male	M
Female	F
Transgender	T
Others	O

Marital Status

Parameter	Value
Married	M
Single	U
Separated	S

Education

Parameter	Value
10th Completed	TN
12th Completed	TW
Graduate	GR
Post Graduate	PG
Others	OT

Occupation

Occupation	Value
Salaried	SL
Housewife	HW
Student	ST
Retired	RT
Self employed - Doctor	DC
Self employed - CA	CA
Self employed - CS	CS
Self employed - Lawyer	LW
Self employed - Architect	AR
Self employed - Consultant	CO
Self employed - Engineer	EN
Self employed - Manufacturing	MF
Self employed - Export	EX
Self employed - Import	IM
Self employed - Trading	TR
Self employed - Services	SV
Self employed - Stock Broker	SB
Self employed - Real Estate	RE
Self employed - Other	SE

Nature of Business

Business	Value
Agriculture Related	A
Services	S
Manufacturing	M
Real Estate	R
Trading	T
Stock Broker	B
Others	O

Source of Funds

Source of Funds	Value
Business Income	B
Pension	P
Salary	S
Agriculture	A
Investment	I
Family Funds	F
Rent	R
Inheritance	I
Others	O

Individual ID Proof

Parameter	Value
PAN Card	PN
Aadhaar Document	AD
Driving License	DL
Passport	PP
Voter's ID	VT
NREGA Job Card	NR

Individual Address Proof

Parameter	Value
Aadhaar Document	AD
Driving License	DL
Passport	PP
Voter's ID	VT
NREGA Job Card	NR
Electricity Bill	EB
Gas Bill	GB
Water Bill	WB

Entity ID Proof

Parameter	Value
GST Registration Certificate	GST
Certificate of Incorporation	COI
Partnership Deed	PPD
VAT/ST Certificate	TAX
Bank Account Statement	BNK
Electricity Bill	ELB
Gas Bill/Passbook	GAS
Business PAN	BPA

Sample Request & Response

curl --location --request POST 'https://in.staging.decentro.tech/v2/banking/business/account' \
--header 'client_id: <YOUR_CLIENT_ID>' \
--header 'client_secret: <YOUR_CLIENT_SECRET>' \
--header 'module_secret: <YOUR_BANKING_MODULE_SECRET>' \
--header 'provider_secret: <YOUR_CHOSEN_PROVIDER_SECRET>' \
--header 'Content-Type: application/json' \
--data-raw '{
   "type":"current",
   "reference_id": "abcd-adbc-0001-2312",
   "constitution": "IN",
   "application_information" : {
      "mobile_number": "9999900000",
      "email_id": "[email protected]",
      "pan_number": "DSGPG4564F",
      "communication_address": "communication_address",
      "communication_pincode": 110033,
      "perm_add_same_as_comm": false,
      "permanent_address": "permanent_address",
      "permanent_pincode": 110021,
      "first_name": "First name",
      "last_name": "Last name",
      "father_name": "Fathers full name",
      "mother_name": "Mothers full name",
      "gender": "M",
      "marital_status": "U",
      "date_of_birth": "yyyy-mm-dd",
      "education":"GR",
      "occupation": "EX"
   },
   "business_information": {
      "nature_of_business": "A",
      "annual_turnover": 7500000,
      "legal_name":"legal_product_name",
      "date_of_incorporation": "yyyy-mm-dd",
      "source_of_funds": "B"
   },
   "document_information": {
      "entity_id_proof_type": "GST",
      "entity_id_proof_number": "22PPPPP6806Q1ZZ",
      "individual_id_proof_number": "4342345222222234",
      "individual_id_proof_type": "AD",
      "individual_address_proof_number": "4342345222222234",
      "individual_address_proof_type": "AD"
   }
}'

{
  "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "E000000",
  "data": {
    "message": "Your Application Number :777-000012518 and Traking Id :R1111131112",
    "result": {
      "trackerId": "R1111131112",
      "applicationNo": "777-000012518",
      "crmLeadId": "114372049",
      "accountNo": "002605500863",
      "customerId": "558223204"
    }
  }
}

Status of Account Creation

This API allows you to digitally check the status of the current account opened with Decentro using the Tracking ID or Account Number shared by Decentro.

curl --location --request GET 'https://in.staging.decentro.tech/v2/banking/business/account/status?tracking_id=TRNXXXXXXXXXXXX' \
--header 'client_id: <YOUR_CLIENT_ID>' \
--header 'client_secret: <YOUR_CLIENT_SECRET>' \
--header 'module_secret: <YOUR_BANKING_MODULE_SECRET>' \
--header 'provider_secret: <YOUR_CHOSEN_PROVIDER_SECRET>'

{
  "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "S000000",
  "message": "Account creation in proccess",
  "data": {
    "trackingNumber": "TRNXXXXXXXXXXXX",
    "accountNumber": "ACCXXXXXXXXXXXX",
    "status": "PENDING"
  }
}

Link

Link an existing business account.

Note: “Please note that Your ‘user_id’ in the request parameters should have admin privileges at the time of setting it up else the linking will not go through. You can mention the same to your account owner/customer at the time of getting the user_id created during the bank correspondent’s visit.”

Once linked, the platform can check the status of the linkage by using the 'Check Linkage Status' API and get the relevant information for further processing. In addition, Decentro triggers an 'Account Linkage Status Callback' to the endpoint shared when an account is linked.

Provider Specific Parameters

Bank	Parameter	Description	Optional (O)/ Mandatory (M)/ Conditionally mandatory (CM)	Data Type
ICICI	corp_id	Corp ID belonging to the account	M	String
ICICI	user_id	User ID belonging to the account	M	String
ICICI	alias_id	Alias ID belonging to the account, can be skipped if not configured	CM	String

curl --location --request POST 'https://in.staging.decentro.tech/v2/banking/account/XXXXXXXXXXX/link' \
--header 'client_id: <YOUR_CLIENT_ID>' \
--header 'client_secret: <YOUR_CLIENT_SECRET>' \
--header 'module_secret: <YOUR_BANKING_MODULE_SECRET>' \
--header 'provider_secret: <YOUR_CHOSEN_PROVIDER_SECRET>' \
--header 'Content-Type: application/json' \
--data-raw '{
    "type": "business",
    "name": "account name",
    "pan": "account pan",
    "email": "[email protected]",
    "mobile": "85XX00XXXX",
    "address": "registered account address",
    "kyc_verified": 1,
    "kyc_check_decentro": 0,
    "currency_code": "INR",
    "customer_id": "<company_consumer_id>",
    "ifsc": "ICICI0000XXX",
    "integration_type": "CONNECTED_BANKING",
    "provider_params": {
        "corp_id": "CORP_ID",
        "user_id": "USER_ID",
        "alias_id": "ALIAS_ID"
    }
}'

{
  "decentroTxnId": "DCTRTXXXXXXXXXXXXXXXXX",
  "status": "FAILURE",
  "responseCode": "E00009",
  "message": "Customer is already registered."
}

Unlink

This API unlinks an existing linked Business Account. This can be used to unlink an account linked by the platform itself.

Once unlinked, the platform will need to link the account again to access the account.

curl --location --request POST 'https://in.staging.decentro.tech/v2/banking/account/XXXXXXXXXX/unlink' \
--header 'client_id: <YOUR_CLIENT_ID>' \
--header 'client_secret: <YOUR_CLIENT_SECRET>' \
--header 'module_secret: <YOUR_BANKING_MODULE_SECRET>' \
--header 'provider_secret: <YOUR_CHOSEN_PROVIDER_SECRET>'

{
  "decentroTxnId": "DCTRTXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "S00000",
  "message": "Account unlinking request processed successfully."
}

Check Linkage Status

Once an account is requested for linkage or unlinked, the platform will check with Decentro the status of linkage (Registration) through this API.

Below are the parameters required to be passed to check the linkage status.
* Account number: This will be the account number passed to Decentro at the time of linkage. This is mandatory irrespective of being a single or joint account.
* Mobile number: This will be the account number passed to Decentro at the time of linkage. This is required only if multiple linkages need to be done with different credentials (User ID)

Account Linkage Status Callback

Decentro triggers an 'Account Linkage Status Callback' to the endpoint shared when an account is linked or unlike with the platform.

The callback will be triggered to the endpoint URL shared by the client at the time of onboarding with Decentro and will have the below fields.
* Mobile number: This will be the mobile number that was passed by the platform at the time of linkage
* Customer ID: This will be the customer ID that was passed by the platform at the time of linkage
* Account number: This will be the actual account number that was linked by the platform at the time of linkage
* Status: This will be the status of the linkage or unlinking of the stated account number with the platform.

Create Account

📘Note

Constitution

Gender

Marital Status

Education

Occupation

Nature of Business

Source of Funds

Individual ID Proof

Individual Address Proof

Entity ID Proof

Sample Request & Response

Status of Account Creation

Link

Provider Specific Parameters

Unlink

Check Linkage Status

Account Linkage Status Callback

📘
Note