Overview

The Mobile to Account API is a powerful tool that enables you to seamlessly retrieve essential account information for your end-users directly from their mobile numbers. This API simplifies your user onboarding, UPI collection, and payout processes by eliminating manual data entry and providing a streamlined user experience.

Key Features

1. Efficient Account Retrieval: Quickly fetch bank account details and UPI VPA associated with a user's mobile number.
2. Enhanced User Experience: Streamline your user onboarding, UPI collection, and payout processes.
3. Robust Error Handling: Comprehensive error handling mechanisms ensure reliable API performance.
4. Penny Drop Validation: A robust method to verify account ownership.

How it Works

1. Request Initiation:
   1. Prepare a request payload with the following information:
   2. Authentication headers (client_id, client_secret, module_secret, JWT)
   3. Unique Reference ID assigned by you for this request
   4. Mobile number of the end-user
2. Decentro Validation:
   1. Decentro validates the request payload for accuracy and authenticity.
3. Account Information Retrieval:
   1. Decentro initiates a process to fetch the account details and UPI VPA associated with the provided mobile number.
4. Penny Drop Validation:
   1. A small amount (INR 1.00) is credited to the user's account as a security measure to verify ownership.
5. Response:
   1. Upon successful retrieval, Decentro returns a JSON response containing the following information:
      1. UPI VPA
      2. Name as per Bank
      3. Account Number
      4. IFSC Code
   2. In case of errors or failures, Decentro returns a JSON response with specific error codes and messages.

Please click here to view the API specification for the Mobile to Account API.

Simulation Data

A list of scenarios which can be simulated on our Staging environment can be found here.

Please reach out to us at [email protected] if you have any specific queries or [email protected] to get this going!