Payment Flow

Any financial transaction has the following flow:

1. CUSTOMER ENQUIRY
   For an existing customer, an inquiry can be made to check if a customer with a mobile number exists or not on the platform. If the customer does not exist then the customer needs to be created

2. CUSTOMER CREATION
   A customer is created with a mobile number and name. The mobile number needs to be verified via OTP

3. FETCHING LIST OF RECIPIENTS
   For an existing customer, the list of recipients can be fetched for a customer

4. RECIPIENT ADDITION
   For transferring money to a bank account, a recipient (bank account) needs to be added to a customer profile. The bank account number can be verified by returning the name of the beneficiary bank account. This functionality also needs to be developed for an existing customer who wants to add a new bank account

5. TRANSACTION
   A transaction can be initiated into a bank account via IMPS/NEFT for a customer.

6. REFUND
   For a cash to digital transaction, if the transaction fails then the customer can take refund via OTP

7. TRANSACTION ENQUIRY
   For a transaction which is in pending state, an inquiry can be made on the system to check the current status of the transaction using Eko transaction id or client's unique reference id.

Check out the flows for a remittance transaction below:

drive.google.com

Remittance user flow - New customer.pdf

drive.google.com

Remittance user flow - Repeat Customer.pdf

The following excel sheet lists all the APIs that need to be covered for money transfer transaction. The filled excel sheet will be required by Eko team to approve the flows.

drive.google.com

API Test Plan.xlsx

The flow can be referred here as well: http://blog.eko.co.in/enable-remittance-services-using-eko-apis/