Consumer

This set of APIs pertains to the creation and verification of the card user and the associated minimum/basic KYC, essentially helping you map the end-user in your database with the bank for registration purposes.

Please note Consumers are created by Decentro and the platform doesn't need to create a consumer. The platform, however, can update the consumer details, which Decentro will update the issuer in the backend.

Decentro uses the same consumer across issuers if multiple wallets are created by the platform for the same customer. The platform can use the Get Consumer Details API to fetch information before creating the 2nd wallet.

Consumer Details

This API allows to fetch the details of the user associated with the specified mobile.

curl --location --request GET 'https://in.staging.decentro.tech/v2/prepaid/consumer/9000000009' \
--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": "Consumer details fetched successfully",
    "name": "<Customer Name>",
    "gender": "FEMALE",
    "dateOfBirth": "YYYY-MM-DD",
    "address": "Kholi number 420, Bandra",
    "pinCode": "630001",
    "pan": "NA",
    "aadhaar": "XXXXXXXX7229"
  }
}

Update Consumer

This API allows to locks/unlocks or blocks a user associated with the specified mobile across multiple providers. This API locks/unlocks and blocks:

the specified user from performing any wallet related operations across providers
all the wallets associated with the user across providers
all the cards (physical and virtual) associated with the wallets belonging to the specified user across providers

curl --location --request PUT 'https://in.staging.decentro.tech/v2/prepaid/consumer/9000000009' \
--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' \
--data-raw '{
    "reference_id": "YYY",
    "purpose": "Consumer lock",
    "action": "lock",
    "consent": true
}'

{
  "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "S00000",
  "message": "Transaction successful",
  "data": {
    "transactionStatus": "SUCCESS",
    "transactionDescription": "Consumer locked successfully"
  }
}

Consumer Registration Status

This API allows to check the status of user registration.

curl --location --request GET 'https://in.staging.decentro.tech/v2/prepaid/consumer/9000000009/status' \
--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": "Registration details fetched successfully",
    "registrationDecentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
    "verificationDecentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
    "registrationStatus": "SUCCESS",
    "walletNumber": "9XXXXXXXXX",
    "walletStatus": "ACTIVE",
    "plan": {
      "type": "MIN",
      "monthlyTransactionLimit": 10000,
      "monthlyLoadLimit": 10000,
      "monthlyBalanceLimit": 10000,
      "annualLoadLimit": 100000
    },
    "virtualAccountNumber": "462515XXXXXXXXXXXX",
    "ifsc": "YESB0XXXXXX",
    "upiId": "462515XXXXXXXXXXXX@yesbankltd"
  }
}