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.
Updated 4 months ago