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FINO DMT FLOW

service_code = 77

  1. Get Customer Information:
    To check whether the customer is already registered for the service.
    1.1 Use the Get Customer Information API.
    Input the service_code (77) and customer_id
    If the customer is already registered, proceed to Step 3: Add Beneficiary.
    If the customer is not registered, proceed to Step 2: Customer Registration.
  2. Customer Registration:
    If the customer is not registered, the following steps must be completed to verify their details and register them successfully:
    2.1 EKYC:
    To complete the eKYC process using Aadhaar data:
    Input the encrypted Aadhaar along with the PID obtained from the biometric device.
    An OTP will be sent to the customer’s registered mobile number and a unique otp_ref_id will be generated by the API and provided in the response.
    2.2 Verify OTP:
    Input the OTP received on the customer’s mobile number and provide the otp_ref_id from the previous step for verification. If the OTP is valid, the EKYC is successful.
    The system will authenticate the customer and complete their registration.
  3. Add Beneficiary:
    Once the customer is registered, you can manage recipients for the service. Follow these steps:
    If no recipient exists for the customer, add one.
    3.1 Add a Recipient:
    Use the Add Recipient API. Provide recipient details such as name, account number, and IFSC code.
    3.2 Get List of Recipients:
    To check whether any recipients are already associated with the customer. Use the Get List of Recipients API.
    If a recipient exists, select the desired recipient. If no recipient exists, proceed to Add a Recipient (Step 3.1).
  4. Transaction Process:
    To send money to the selected recipient. Use the Initiate Transaction API. Provide recipient details, transaction amount, and other required parameters.
    The final step is to initiate and confirm the transaction using an OTP for added security.
    4.1 Send OTP:
    To trigger an OTP for transaction authentication. Input the transaction amount and the customer’s mobile number (customer_id). The system will send an OTP to the customer’s registered mobile number.
    A unique otp_ref_id will be generated and returned by the API.
    4.2 Confirm Transaction:
    To authenticate and complete the transaction. Input the otp_ref_id received from the Send OTP step.
    Enter the OTP received on the customer’s mobile. Upon successful OTP verification, the transaction is completed.