Information

Decentro provides capabilities to fetch details about the virtual accounts created by the platform. Below are the capabilities supported by Decentro.

  • Fetch all the virtual accounts created for your customers/partners/businesses from your platform.
  • Extract the relevant account details like the linked UPI ID, QR code, permissible transaction types, etc.
  • Fetch the latest balance of a virtual account
  • Fetch the statement for a specific time period for a virtual account
  • Fetch the consolidated statement containing the statement of all the accounts for a combination of company and bank partner.

Get All Linked Accounts

This API allows you to fetch all the accounts that have been created or linked by your consumer/business via your platform.

curl --location --request GET 'https://in.staging.decentro.tech/core_banking/account_information/fetch_details?type=virtual&mobile=9898989898&customer_id=mer392843' \
--header 'client_id: <YOUR_CLIENT_ID>' \
--header 'client_secret: <YOUR_CLIENT_SECRET>' \
--header 'module_secret: <YOUR_CORE_BANKING_MODULE_SECRET>' \
--header 'provider_secret: <YOUR_CHOSEN_PROVIDER_SECRET>'
{
  "accounts": [
    {
      "type": "VIRTUAL",
      "accountNumber": "XXXXXXXXXXXXXXXXXX",
      "ifscCode": "YESBXXXXXXX",
      "upiId": "[email protected]",
      "allowedMethods": [
        "neft",
        "imps",
        "rtgs",
        "upi"
      ]
    },
    {
      "type": "VIRTUAL",
      "accountNumber": "XXXXXXXXXXXXXXXXXY",
      "ifscCode": "YESBXXXXXXX",
      "upiId": "[email protected]",
      "allowedMethods": [
        "neft",
        "imps",
        "rtgs",
        "upi"
      ]
    },
    {
      "type": "VIRTUAL",
      "accountNumber": "XXXXXXXXXXXXXXXXXZ",
      "ifscCode": "YESBXXXXXXX",
      "upiId": "[email protected]",
      "allowedMethods": [
        "neft",
        "imps",
        "rtgs",
        "upi"
      ]
    },
    {
      "type": "VIRTUAL",
      "accountNumber": "XXXXXXXXXXXXXXXXX1",
      "ifscCode": "YESBXXXXXXX",
      "upiId": "[email protected]",
      "allowedMethods": [
        "neft",
        "imps",
        "rtgs",
        "upi"
      ]
    },
    {
      "type": "VIRTUAL",
      "accountNumber": "XXXXXXXXXXXXXXXXX2",
      "ifscCode": "YESBXXXXXXX",
      "upiId": "[email protected]",
      "allowedMethods": [
        "neft",
        "imps",
        "rtgs",
        "upi"
      ]
    }
  ],
  "decentroTxnId": "<decentroTxnId>",
  "status": "success",
  "responseCode": "S00000"
}

Get the Account Details

This API allows you to fetch the account details of a specific account that have been created or linked by your consumer/business via your platform.

curl --location --request GET 'https://in.staging.decentro.tech/core_banking/account_information/fetch_details?type=virtual&account_number=XXXXXXXXXXXXXX&qr_requested=1' \
--header 'client_id: <YOUR_CLIENT_ID>' \
--header 'client_secret: <YOUR_CLIENT_SECRET>' \
--header 'module_secret: <YOUR_CORE_BANKING_MODULE_SECRET>' \
--header 'provider_secret: <YOUR_CHOSEN_PROVIDER_SECRET>'
{
  "accounts": [
    {
      "type": "VIRTUAL",
      "accountNumber": "XXXXXXXXXXXXXXXXXX",
      "ifscCode": "YESBXXXXXXX",
      "upiId": "[email protected]",
      "allowedMethods": [
        "neft",
        "imps",
        "rtgs",
        "upi"
      ],
      "currency": "INR",
      "transactionLimit": 100000,
      "minimumBalance": 100,
      "customerId": "CUST1",
      "mobile": "98XXXXXXXX",
      "upiOnboardingStatus": "SUCCESS",
      "virtualAccountBalanceSettlement": "DISABLED",
      "upiQrCode": "<base_64_string_for_upi_qr>"
    }
  ],
  "decentroTxnId": "<decentroTxnId>",
  "status": "success",
  "responseCode": "S00000"
}

Get Balance

Used to retrieve the latest balance in the created virtual account.

curl --location --request GET 'https://in.staging.decentro.tech/core_banking/money_transfer/get_balance?account_number=XXXXXXXXXXXXXXXXXX&customer_id=cust_0003&mobile_number=9434343434' \
--header 'client_id: <YOUR_CLIENT_ID>' \
--header 'client_secret: <YOUR_CLIENT_SECRET>' \
--header 'module_secret: <YOUR_CORE_BANKING_MODULE_SECRET>' \
--header 'provider_secret: <YOUR_CHOSEN_PROVIDER_SECRET>' \
--data-raw ''
{
  "decentroTxnId": "<decentroTxnId>",
  "status": "success",
  "responseCode": "S00000",
  "type": "VIRTUAL",
  "accountNumber": "XXXXXXXXXXXXXXXXXX",
  "presentBalance": "0.0",
  "upiId": "[email protected]",
  "transactionAmountLimit": 1000000,
  "minimumBalance": 7500
}

Get Statement

  • Used to retrieve the detailed transaction statement for the requested account number, 10 records at a time, in reverse chronological order.
  • While making this API call, please enter the from and to fields for the specific time period for which you want to fetch this account statement.
curl --location --request GET 'https://in.staging.decentro.tech/core_banking/money_transfer/get_statement?from=2020-06-30&to=2020-07-31&account_number=XXXXXXXXXXXXXXXXXX&customer_id=dcntr01&mobile_number=8787878787&page=1' \
--header 'client_id: <YOUR_CLIENT_ID>' \
--header 'client_secret: <YOUR_CLIENT_SECRET>' \
--header 'module_secret: <YOUR_CORE_BANKING_MODULE_SECRET>' \
--header 'provider_secret: <YOUR_CHOSEN_PROVIDER_SECRET>'
{
    "accountNumber": "XXXXXXXXXXXXXXXXXX",
    "ifsc": "YESB0CMSNOC",
    "name": "Account name",
    "from": "2020-06-30",
    "to": "2020-07-31",
    "decentroTxnId": "DCTRTX0010101100101011",
    "status": "success",
    "responseCode": "S00000",
    "totalCount": 2,
    "withdrawalCount": 1,
    "depositCount": 1,
    "openingBalance": 0,
    "closingBalance": 10,
    "statement": [
        {
            "timestamp": "2020-07-06T22:26:44",
            "description": "note: pass; transfer_timestamp: 2020-07-06; attempt number: 1; status: CREDITED; credit account number: 765433456789; credit timestamp: 2017-07-27",
            "bankReferenceNumber": "<bank_utr_number>",
            "decentroUrn": "<decentro_transaction_id>",
            "withdrawalAmount": 0.0,
            "depositAmount": 10.0,
            "balance": 14.0,
            "type": "CREDIT",
            "senderAccountNumber": "XXXXXXXXXXX",
            "transactionType": "MAIN",
            "moneyTransferStatus": "SUCCESS",
            "transferType": "IMPS"
        },
        {
            "timestamp": "2020-07-06T22:24:31",
            "description": "UPI payment to a friend",
            "bankReferenceNumber": "<bank_utr_number>",
            "decentroUrn": "<decentro_transaction_id>",
            "withdrawalAmount": 10.0,
            "depositAmount": 0.0,
            "balance": 4.0,
            "type": "DEBIT",
            "recieverAccountNumber": "XXXXXXXXXXXXXXXXXX",
            "payeeVpa": "[email protected]"
            "transactionType": "MAIN",
            "moneyTransferStatus": "SUCCESS",
            "transferType": "UPI"
        },
        {
            "timestamp": "2021-12-09T20:29:36.163935",
            "description": "UPI payment to a friend",
            "bankReferenceNumber": "<bank_utr_number>",
            "decentroUrn": "<decentro_transaction_id>",
            "transferType": "UPI",
            "withdrawalAmount": 0.0,
            "depositAmount": 2.0,
            "balance": 3.42,
            "type": "CREDIT",
            "senderAccountNumber": "XXXXXXXXXXX",
            "payerVpa": "[email protected]",
            "transactionType": "MAIN",
            "moneyTransferStatus": "SUCCESS"
        }
    ]
}

Fetch Consolidated Statement

  • Used to retrieve the detailed transaction statement on a company level, containing details of all the accounts for a combination of company+provider.
  • While making this API call, please enter the from and to fields for the specific time period for which you want to fetch this consolidated account statement.
  • From and to dates cannot be separated by more than 180 days.
curl --location --request GET 'https://in.staging.decentro.tech/v2/banking/account/virtual/consolidated_account_statement?from=2021-01-01&to=2021-02-01' \
--header 'client_id: <YOUR_CLIENT_ID>' \
--header 'client_secret: <YOUR_CLIENT_SECRET>' \
--header 'module_secret: <YOUR_CORE_BANKING_MODULE_SECRET>' \
--header 'provider_secret: <YOUR_CHOSEN_PROVIDER_SECRET>'
{
  "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "S00000",
  "message": "Consolidated account statement from : 2021-01-01 to : 2021-02-01 will be sent to [email protected]"
}

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