Biometric Full KYC

This set of APIs pertains to performing biometric-based Full KYC for a wallet, enabling customers to reach higher limits on their wallets by completing Full KYC with the underlying PPI provider.

Please note that this is only applicable to Bank issuers since non-bank issuers cannot undertake Biometric-based Full KYC up-gradation.

Biometric Device

This set of APIs pertains to the registration of the biometric device to be used for submitting the biometric information to the underlying PPI provider.

a) Register Device

This API allows a company to register a biometric device and obtain a reusable device token.

This API behaves as a POST/ GET hybrid i.e. registers new device details and fetches an existing device token if the device is already registered.

curl --location --request POST 'https://in.staging.decentro.tech/v2/prepaid/kyc/full/device' \
--header 'client_id: YOUR_CLIENT_ID' \
--header 'client_secret: YOUR_CLIENT_SECRET' \
--header 'module_secret: YOUR_PREPAID_MODULE_SECRET' \
--header 'provider_secret: YOUR_CHOSEN_PROVIDER_SECRET' \
--header 'Content-Type: application/json' \
--data-raw '{
    "reference_id": "001-01",
    "purpose": "Registering a biometric device",
    "consent": true,
    "type": "morpho",
    "serial_number": "ABC001",
    "version": "v1",
    "certificate_expiry": "2021-08-01"
}'

{
  "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "S00000",
  "message": "Transaction successful",
  "data": {
    "transactionStatus": "SUCCESS",
    "transactionDescription": "Biometric device registration completed successfully",
    "token": "XXXXXXXXXX"
  }
}

Map Wallet with PAN

This API allows for mapping of the customer associated with the specified mobile with their PAN. Provided that this API call is successful, it is a one-time activity to be performed per customer.

curl --location --request POST 'https://in.staging.decentro.tech/v2/prepaid/wallet/9000000009/pan' \
--header 'client_id: YOUR_CLIENT_ID' \
--header 'client_secret: YOUR_CLIENT_SECRET' \
--header 'module_secret: YOUR_PREPAID_MODULE_SECRET' \
--header 'provider_secret: YOUR_CHOSEN_PROVIDER_SECRET' \
--header 'Content-Type: application/json' \
--data-raw '{
    "reference_id": "001-02",
    "purpose": "Mapping PAN with mobile",
    "consent": true,
    "pan": "EEEEE0000E"
}'

{
  "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "S00000",
  "message": "Transaction successful",
  "data": {
    "transactionStatus": "SUCCESS",
    "transactionDescription": "Mapping between wallet and PAN completed successfully"
  }
}

Fetch Biometric Key

This API allows the extraction of a biometric key for the Min KYC wallet associated with the specified mobile.

The lifetime of the key is ~10 minutes, so in case it expires (leading to the failure of the Biometric data submission API), this API can be re-triggered to fetch a fresh biometric key.

The success of the "Map wallet with PAN" API is a prerequisite for being able to execute this API.

curl --location --request GET 'https://in.staging.decentro.tech/v2/prepaid/wallet/9000000009/kyc/full/device/key' \
--header 'client_id: YOUR_CLIENT_ID' \
--header 'client_secret: YOUR_CLIENT_SECRET' \
--header 'module_secret: YOUR_PREPAID_MODULE_SECRET' \
--header 'provider_secret: YOUR_CHOSEN_PROVIDER_SECRET'

{
  "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "S00000",
  "message": "Transaction successful",
  "data": {
    "transactionStatus": "SUCCESS",
    "transactionDescription": "Biometric key generated successfully",
    "key": "XXXXXXXXXX"
  }
}

Submit Biometric Data

This API allows the merchant to submit biometric data obtained from a whitelisted device. The success of this API leads to the Full KYC activation of the wallet associated with the specified mobile.

curl --location --request POST 'https://in.staging.decentro.tech/v2/prepaid/wallet/9000000009/kyc/full' \
--header 'client_id: YOUR_CLIENT_ID' \
--header 'client_secret: YOUR_CLIENT_SECRET' \
--header 'module_secret: YOUR_PREPAID_MODULE_SECRET' \
--header 'provider_secret: YOUR_CHOSEN_PROVIDER_SECRET' \
--header 'Content-Type: application/json' \
--data-raw '{
    "reference_id": "001-03",
    "purpose": "Submitting biometric details",
    "consent": true,
    "aadhaar_number": "AAAAAAAAAAAA",
    "finger": {
        "orientation": "left",
        "type": "index"
    },
    "device": {
        "token": "TTTTTT",
        "data": "<some_nice_data>"
    }
}'

{
  "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "S00000",
  "message": "Transaction successful",
  "data": {
    "transactionStatus": "SUCCESS",
    "transactionDescription": "Full KYC completed successfully",
    "walletNumber": "9XXXXXXXXX",
    "walletStatus": "ACTIVE",
    "plan": {
      "type": "FULL",
      "monthlyTransactionLimit": "NA",
      "monthlyLoadLimit": "NA",
      "monthlyBalanceLimit": "NA",
      "annualLoadLimit": "NA"
    }
  }
}