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APIs

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BBPS (1.0.0)(7 APIs included)

Bharat Bill Payment System (BBPS) is an integrated bill payment system functioning under National Payments Corporation of India (NPCI). This is an interoperable bill payment platform through a network of agents of registered members enabling a safe, reliable and unified ecosystem with multiple payments modes and instant payment confirmation. Payments in BBPS can be made through cash, and electronic modes. The NPCI functions as the Central Unit (BBPCU) undertaking clearing and settlement of transactions routed through BBPS.

Bill aggregators and Banks work as Operating Units (COU) to offer an interoperable bill payment system irrespective of which unit has on-boarded a Biller, offering both online and offline – through the network of physical agents – operating models. This ecosystem brings Banks, Non-Banks, and online payment platforms under one roof as authorized units for bill collection, providing anytime-anywhere bill payment facility. BBPS platform includes online and offline interfacing for Billing Entities, Corporates, Agents and Customers.

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Digital Credit (1.0.0)(13 APIs included)

These APIs are offered to extend loan facility to Customers, through FinTech applications. The APIs enable automated loan account creation and loan disbursal capabilities which the FinTech applications can readily use to run their services, in a fully digitalized and integrated fashion.

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OTP_Services (1.0.0)(1 API included)

This product consists of voice-based OTP services for customer mobile authentication & confirmation as required in any process.

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Remittance Solution (1.0.0)(9 APIs included)

Through the Remittance Fund Transfer API, fund transfer from outside of India is made easy. Exchange houses abroad can set up services to transfer money into Indian accounts. Along with Federal Bank APIs for enquiry and reconciliation, this bundle offers a complete fund transfer solution, from abroad to accounts maintained by Federal Bank in India. These APIs are used for receiving the money from foreign exchanges, money will be transferred between exchange Account number and the customer account number.

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Virtual Account System (1.0.0)(6 APIs included)

Virtual account is the concept of having multiple aliases or pseudonyms for an account. This allows a fintech partner to create multiple virtual accounts for a physical account maintained in Federal Bank. Funds can be transferred by the partner's customers, to these virtual accounts via various payment channels- NEFT, RTGS, IMPS etc. With Virtual Account System (VAS), one can generate exclusive virtual accounts for each of the customers, from payments are expected. This makes collection, accounting and reconciliation of multiple transactions in an account, easier.

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UPI (1.0.0)(10 APIs included)

The Unified Payments Interface (UPI) is an instant, real-time payment system developed by National Payments Corporation of India (NPCI) facilitating inter-bank transactions. It is a unique solution that can be used to transfer money and make payments using the Immediate Payments Service (IMPS). UPI is an initiative by NPCI, regulated by RBI. UPI works 24/7. Federal Bank offers the UPI API stack for fintech and startup partners to readily integrate UPI services in their products .

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Liability (1.0.0)(10 APIs included)

This product helps the Neo Banks to extend their facilities to open a deposit with Bank for their customers digitally. It ensures customers to have full control of their accounts without visiting the physical bank branch.

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NACH NPCI Services (1.0.0)(4 APIs included)

National Payments Corporation of India (NPCI) has implemented “National Automated Clearing House (NACH)” as a centralized clearing service for Banks, Financial Institutions, Corporates and Government that aims at providing interbank high volume, low-value transactions that are repetitive and periodic in nature.

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Fund Transfer (1.0.0)(11 APIs included)

The Fund Transfer APIs enable easy money transfer services between Bank accounts in India. It facilitates ease in the transfer process using technology solutions like NEFT, RTGS and IMPS mode of payments.

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E-KYC (1.0.0)(4 APIs included)

Federal Bank offers eKYc services in two variants-

a. SDK version of eKYC

b. Web version of eKYC

To utilize the full potentials of these 2 flavors, Federal Bank also offers below mentioned 2 services -

c. Name and DOB validation

d. Device Whitelisting API

a. SDK version of eKYC - The SDK version of eKYC has two sample codes which need to be embedded in the client's mobile application along with addition of AAR Library, enabling permission, adding UIDAI Public certification.

The detailed data of technical integration will be available for UAT and Production environment.

Below are the expected response parameters for this variant -

{"Status":"Y",”Details”:””,”ErrorCode”:null,”TransactionId”:”ekyc_X5XX4XX4XXXXXXXXXXXX”}

The SDK offered by Bank is compatible with Morpho 1300 series devices with L0 certification. More details can be obtained from - - https://rdserviceonline.com/

b. Web version of eKYC - This variant of eKYC involves multiple steps as follows -

  1. Generate Session ID - The details of this API is provided in the individual API description.

  2. Initiate EKYC process with an HTML post to specified URL - To initiate the eKYC process , post to a URL with parameters from customer browser. The request parameters are - sessionid (Session Id generated on previous step), redirectUrl (Base64 encoded redirect URL), option (Possible values, otp or biometric).

  3. Redirect back to partner Web page - After a successful eKYC the web browser will be redirected to the redirect URL passed on previous step with a custom transaction id as parameter.

c. Name DOB Validation API - The details of this API is provided in the individual API description.

d. Device Whitelisting API - This API is part of eKYC services, that Federal Bank offers. When a client chooses to use the eKYC SDK variant, the use of biometric device becomes mandatory. In order to use those devices, the same needs to be whitelisted as Bank's end. This API helps client to whitelist the biometric devices in real-time. The API has two parts -

  1. Add Device
  2. De/activate device

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