Overview

This API lets a platform check if the ENACH authentication modes support a specific bank before executing the registration flow.

It is recommended that the platform use this API to check if ENACH supports a bank to avoid a poor experience with the registration flow.

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Ensure to use only staging credentials.

Flow

Below is the flow for using this API.

The platform collects the bank where the payer holds a bank account.
The platform uses the bank code or auth mode to hit the endpoint to check the status.
Decentro responds with the authorization modes supported by the bank while checking with bank code.
Decentro response with the list of banks supported by particular authentication modes. For eg- Netbanking, Aadhaar, Debitcard, PAN & Customer ID.
If the bank doesn't support any mode, the same is relayed to the platform as well
If the bank is supported, the platform can use the Registration API to initiate the registration flow

Below are the parameters propagated by Decentro in the response.

Parameters	Description
decentro_txn_id	A unique transaction ID from Decentro for the API hit
status	Status of the API hit
response_key	API status response code
message	API status message.
debit_card	A boolean value if the bank supports Debit Card based registration flow
net_banking	A boolean value if the bank supports Netbanking based registration flow
pan	A boolean value if the bank supports PAN based registration flow
customer_id	A boolean value if the bank supports customer id based registration flow
aadhaar	A boolean value if the bank supports Aadhaar based registration flow
bank_code	4 digits bank code assigned by NPCI
bank_name	Official bank name

Environment	Endpoint
Staging / Sandbox	https://staging.api.decentro.tech/v3/payments/enach/bank_support
Production	https://api.decentro.tech/v3/payments/enach/bank_support