DMT Customer KYC and Name Change

Which API i have to use if i have to do the customer’s KYC??

If you want to do the KYC of any customer you can do it using 2 ways : Manual Customer KYC API or Manual KYC using aadhar XML API.

What will be the maximum limit per month after doing the Customer KYC.?

The customer’s limit will be increased to Rs 74,500 after doing KYC from Rs 50,000.

How will i get to know whether the customer is in a KYC approved customer or not?

You need to call Get Customer Information API to check whether the customer has been approved for the KYC or not. By checking the "state" parameter you will get to know about the status for the KYC. If the KYC has been rejected due to some reason you will get the reason in the "state_desc" parameter in the Get Customer Information API itself.

State parameter can have the following values:

• OTP Verification Pending
• OTP Verified Customer, Non-KYC / Rejected
• KYC verification pending
• Verified and Full Kyc Customer

How will i get to know whether the transaction is going from PPI wallet or BC pipe?

After the customer has been marked as KYC customer, his total limit will be increased to Rs 74,500. First Rs 50,000 will be transferred from the PPI wallet and next Rs 25,000 will be transferred from the BC_pipe.

Parameters “wallet_available_limit” and “bc_available_limit “ will let you know available that the transaction will go through the wallet for Kyc customer or through a BC pipe so that commission at your end can be calculated correspondingly. We also send wallet_txn parameter in the transaction response to tell whether it went through PPI or not.

Wallet_available_limit will be the limit available in the Wallet. It will 0 for Non-KYC customers and for Kyc customers it will be 50000 and reduce correspondingly after transactions.

bc_available_limit will be the total Limit available in the BC Pipes.

Do we need to create customer first for doing the KYC?

In case of Manual customer KYC API the customer is created using the same API, if you want to do the KYC for an existing customer same API will work but in case if you are using the Manual KYC using the Aadhaar XML API then you need to create a customer and verify it using the OTP.

In the Manual KYC using the Aadhaar XML API, what will be the aadhaar_xml_password?

This will be the share code which you will set while downloading the zip file from the UIDAI website.

From where i will download the zip file?

• Redirect your application to https://resident.uidai.gov.in/offlineaadhaar
• Enter customer's 12 digit Aadhaar Number and the security code displayed
• Click on "Send OTP" button; the customer will receive an OTP on the mobile number which is linked to his/her Aadhaar number
• The OTP needs to be entered and set the share code
• Click on download. A zip file will be downloaded on your desktop/laptop
• Pass this zip file along with share code (shared on UIDAI website) in the API; if the password is correct then there will instant authentication of the customer

What are the parameters I need to send in case of Manual Customer KYC?

Initiator_id, name, id_prood_id_type, id_proof, ovd_type_id, ovd_number, file1 , file2, customer_photo, ovd_image as mandatory parameters.

In the file1 you will send the front image of the customer’s aadhaar card, in file2 you need to send the back image of the customer’s aadhaar card, in customer_photo send photo of customer. Ovd_image will have front image of ovd if PAN is selected as OVD.

For values of id_prood_id_type and ovd_type_id please refer to the link “https://developers.eko.in/reference#create-customer-for-kyc”

You have to pass the Aadhaar card number as mandatory in the id_proof parameter. In the ovd_type_id if you pass the PAN card then you not need to send the form 60 otherwise if you are selecting any other OVD like passport, voter id or driving license then you need to send the image of form 60 in the form_60 parameter.

If you are sending the OVD as PAN card then you need to only send the front image of the pan card in the ovd_image parameter. If you are passing any other document in the OVD then you need to send the front image in the ovd_image parameter and back image in ovd_image_back.

What are the documents I need to send if i am using the Manual Customer KYC and Manual KYC using the Aadhaar XML?

Manual Customer KYC : front image of the Aadhaar in file1, back image of Aadhaar in file2, customer_photo, ovd_image (if choosing PAN as the OVD).

ovd_image_back and form60 (along with the above mentioned documents if choosing OVD other than PAN)

Manual KYC using Aadhaar XML : Zip file, ovd_image (if choosing PAN as OVD)

ovd_image_back and form60 (along with the above mentioned documents if choosing OVD other than PAN)

When do I need to send the customer_name_as_id parameter in the Manual Customer KYC API?

If you are doing the customer KYC, make sure that the name on the documents and the name of the customer on the wallet should be same otherwise the KYC will be rejected. To change the name of the customer you need to pass the customer_name_as_id in the manual KYC API. You need to pass this parameter only when you are changing the name of the customer but this will be applicable only for existing customers.

An OTP will be sent on the customer’s mobile number, that OTP will be passed in the name change verification API. On the UAT, you need to hit the Resend OTP for name change verification.

The value of state parameter in the get customer information API will 5 if the request for name change has been initiated but OTP has not been entered.

The name will be changed only when the customer KYC is approved.