Smart Collect APIs with TPV

List of APIs for Smart Collect TPV

To know more about Third Party Validation (TPV), click

API-wise Integration Checklist for Smart Collect TPV

Create a Customer

1. Use

   Create a Customer API

   if a Customer Identifier is mapped to a unique customer.
2. You can use the fail_existing (set to 1) API parameter to create a customer. This helps you avoid customer_id being created multiple times for the same customer and will help in your reconciliation process.
3. We request you to create a single customer_id rather than making multiple IDs for the same customer. If their details change, you can use the

   Edit Customer Details

   API. Duplicate validation is done based on the combination of email ID and phone number.

Create a Customer Identifier

1. Smart Collect with TPV is supported only for Netbanking.
2. The combination of merchant prefix and descriptor must be 20 characters. The length of the merchant prefix can vary between 4-10 characters and the length of the descriptor from 10-16 characters.
3. Avoid ambiguous account numbers. Consider the following:
   • When displaying a bank account number to a customer, the font may cause the customer to misread the alphanumeric characters (if any) in the number. Customers can commit typos while entering the beneficiary account number. Misreading the letter O in an account number as the numeral 0, for example, is extremely common.
   • Payments made to such mistyped accounts are considered invalid. They are refunded to the customer's account within 1 working day. However, this is still a massive inconvenience for the customer, who now has to wait 24 hours to receive a refund for what is often a rather large payment.
   • We strongly advise against using the following characters in your descriptor for alphanumeric accounts, as they may appear ambiguous in specific fonts.
     • 0 or O
     • 1 or I
     • 5 or S
     • 8 or B
     • 2 or Z
4. You can add up to 10 allowed payers while creating the Customer Identifier.
5. The allowed payer can be deleted or added later using the

   Add an Allowed Payer

   and the

   Delete an Allowed Payer

   APIs.

List of Banks Supporting TPV for Smart Collect

Given below is the list of banks supporting TPV for Smart Collect.