Straight2Bank Pay

Straight2Bank Pay is a payment gateway for powering our client's online collections at the point of payment checkout by buyer / consumer. It aggregates multiple payment methods via partnerships with leading players (PSP - Payment Service Provider) in the payments space across our footprint markets. The purpose of this document is to provide technical guidance for Client (Merchant) to integrate with Straight2Bank Pay.

If you have any questions that are beyond the scope of this documentation, Please feel free to contact us.

Integration Options

Merchant can choose any one of the following Integration Options to present the Payment Method for their buyer on the checkout/payment page.

1. Java Script Plugin Integration
2. Re-direct integration
3. Payment Link Integration
4. API Integration

Java Script Plugin Integration

In this integration type, UI (User Interface) will be taken care of by Straight2Bank Pay Java Script. Merchant needs to make a call to s2bpay.js (resides in Straight2Bank Pay's server) from buyer's browser, s2bpay.js will get downloaded, takes care of rendering the button to bring up lightbox (overlay popup) with the enabled Payment Methods, facilitates buyer to choose preferred Payment Method till payment authorization, then shows the final status, passes control back to Merchant's page with the status at end of buyer's user journey. The following diagram depicts the minimum integration required for this type.

Click here for more details

API Integration

In this integration type, Straight2Bank Pay is not involved in rendering UI on merchant page, but offers API services for Payment Method which is not required to re-direct the buyer to PSP page. Merchant to invoke API of Straight2Bank Pay as server-to-server call (collect) to perform on-line collection. For such Payment Method, buyer authorizes the payment in Mobile App, eg. UPI for India, PayNow for Singapore, etc. In case, PSP offers their service only via browser re-direction (eg. eNETS, BillDesk, etc), then Merchant needs to re-direct the user to Straight2Bank Pay URL (bcollect) with the payload as part of https FORM via buyer's browser, Straight2Bank Pay does another re-direction to PSP page which allows the buyer to authorize the payment on PSP page. The following diagram depicts the minimum integration required for this type.

Pre-requisites

1. 'Straight2Bank Pay - Corporate Profile' form to be filled-up and submitted to Implementation Manager to setup a profile. Profile form contains all the configurations related to customize light box, list of PSPs to be enabled, any merchant data required to interface with each PSP, report scheduling and account to which the collected fund to be credited. Other mandatory data to be provided in the form:
• Merchant needs to generate RSA-2048 key pair as given in section key pair generation and share public key to Bank. Merchant required to keep private key securely. Public key value needs to be populated in the form.
• Merchant portal's URL (Domain name) to be filled in the form. If Straight2Bank Pay JavaScript (s2bpay.js) is requested from different URL, then the Straight2Bank Pay button will not be shown on the page.
2. If Merchant wants to receive real-time notification, then Merchant needs to host a REST API. API end-point URL and SSL certificate (root, intermediary) to be submitted to Bank.
3. Implementation Manger will submit the form internally and arrange to create a profile and assign a 'Corp ID' (Corporate Id). As part of Profile creation, Straight2Bank Pay will send a secret key to Merchant via email. Two emails will be sent containing: (Merchant required to keep Secret key securely)
• PDF attachment (PDF is protected with a password)
• Password to access the PDF

Once a profile has been successfully setup, then merchant can start the testing.

Java Script Plugin integration

Java Script Plugin integration requires Merchant Server to construct the payload and send to buyer's browser which in turn calls s2bpay.js from Straight2Bank Pay server. As a result, s2bpay.js will get downloaded and will be part of merchant page, shows the button to bring lightbox and takes care of remaining user journey. Once the buyer has authorized or rejected the payment, s2bpay.js will pass the control back to merchant page by calling either s2bPayClose() or s2bPayNotify().

How it works

Buyer checks out

While loading merchant's payment page, s2bpay.js is called with the required parameters which will render Straight2Bank Pay Button if all validation is successful. Refer to s2bpay.js for more details.

Buyer clicks on Straight2Bank Pay button

While loading merchant's payment page, s2bpay.js is called with the required parameters which will render Straight2Bank Pay Button if all validation is successful. Refer to s2bpay.js for more details.

1. The lightbox will have the details of the transaction such as amount and other details passed by merchant.
2. Based on the country and currency provided, the buyer will be shown various payment methods that are enabled in the profile.
3. If buyer closes the lightbox without choosing any payment method, then s2bpay.js will call a function, named as 's2bPayClose()' with an object containing the status and unique reference number. The Merchant can define the function 's2bPayClose()' on their webpage and taken appropriate action, if required. Refer s2bPayClose

Buyer selects a 'Payment Method' from the lightbox

Straight2Bank Pay connects with the respective PSPs via one of the following options:

1. Redirects the buyer to PSP's page by passing the required details as part of browser redirection.
2. Makes an API call and then redirects the buyer to PSP's page.
3. Prompts the required details from the buyer and makes an API call with the PSP. No redirection for this option

Redirection to the PSP's page will happen in the child window. The parent window (Merchant page) will be in "Processing" state when the child window is open and no change is permitted on the parent window. Once the child window is closed, the parent window will show the appropriate status to the buyer.

Straight2Bank Pay provides the payment status to Merchant via the following options:

If buyer closes the lightbox after payment method selected, s2bpay.js will call a JavaScript function 's2bPayNotify()' with an object containing the status and unique reference number of the payment. The Merchant is expected to define the function 's2bPayNotify' on their webpage and take appropriate action based on the payment status. Refer s2bPayNotify

1. Straight2Bank Pay notifies successful payment status to Merchant's server in real-time via reverse API. Refer Notifications
2. Merchant can call Query API of Straight2Bank Pay to get the status of the transaction. Refer Query

Sequence Diagram

s2bpay.js

Merchant needs to construct payload as described in this section at Merchant's server at the point of checkout and send this payload to Buyer's browser page, so that browser downloads s2bpay.js from Straight2Bank Pay server.

To construct payload, server needs to have Merchant's private key and shared Secret Key, hence the payload needs to be constructed only at Merchant's server, sensitive data (private and secret key) should not be sent to the browser.

URL

Sample Java Script snippet to be constructed in Merchant's server and sent to browser page.

							<!-- calling s2bpay.js from merchant's page-->
<script id="s2bpay-button-script" class="s2bpay-button"
   src="https://s2bpay.sc.com/s2bpay/resources/merchant/js/s2bpay.js"
   src="https://s2bpay.sc.com/s2bpay/resources/merchant/js/s2bpay.js"
   data-corpid="CN000002" data-encstr=" 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">
</script>
						

The value in data-encstr is AES-256 CBC encrypted using the secret key and base64 encoded. Refer AES256 encryption/decryption The plain string looks like below: Refer to Request Parameters for description of each field of payload

							amt=1&corpid=CN000002&country=SG&currency=SGD&datetime=23072018150241&ref1=23072018145641&sign=pDW/SIqZstGY5xwE3zGPSUn/E3iXK15Nh9RXNlsMmis/4skng4BMniv+bNgVKLlsWB3EoeNctCKqZeONoIYMQL7zgpJZZoLqJ5AwzJ5Ug8CheTYt3lTizIx13CK3QHS4mIoT2J8h4KMkrSjaRLFQ9AprnTs6nQ3J5TTAx7HxZzySuTic5M0Z2NdEv5mwTf9GQybd6LNToXRkFPKzym5dkiC67VbWCMcmVYLBaPFgFToYlJONcjEx2UNnw92Im+1rimibSD9yAASM5JaoJl3dpPfOyhOkommCVFbLm9j4yjSLCwb7x6et/1wASBcUGa+k/vrVQqKk6O+QEMpjSB7H1Q==
						

Request Parameters

Unique Reference Rule

Any one of the fields ref1 to ref5 can be chosen to be configured as 'Unique Reference' in Profile. This reference should be unique across for all transaction including refunds and should be maximum 16 characters long. Straight2Bank Pay will reject a transaction if any transaction contains same unique reference that was used earlier for a successful transaction. This duplicate check is performed based on last 365 days data. The assigned 'Unique Reference' field's value will be populated in 'corpref' field of messages that will be sent from Straight2Bank Pay to Merchant (eg. Notification, Query Response, etc). In case, 'Unique Reference' rule is not configured in profile, then 'corpref' will carry the value of Straight2Bank Pay generated transaction ID.

Customization of Straight2Bank Pay Button

To customize, Straight2Bank Pay button on merchant page which is rendered by s2bpay.js, Merchant can pass height, width, and label as part of parameter to s2bpay.js. The parameters are as follows:

JS snippet with additional attributes:

							<script id="s2bpay-button-script" class="s2bpay-button"
   src="https://s2bpay.sc.com/s2bpay/resources/merchant/js/s2bpay.js"
   data-corpid="CN000002"data-encstr="vcFiGsEJafwoeVco//CgVCLMAE9/wJKQfz4oi4UllNdRwDFM2cf+1T/yHr11PXMxwzZKRXLPcKCZvN2dtjuFbasLrAOh7DK0ZIgPC221C99zKltQfUnCYsnPYdFh6iCgTsLIbGzLJ4Ep6NTJEpRjTbN/Y43Au88l2v0EZObve21EmuXDHn4rMt5Lv8DHGj46TA5DKWDWxTTRsUBqKITWHUlPB7Kf+636nZQF8u7hrjXzQa8QZLJgT59q51n2Gy9exm+iLN+AvrOn4ZhWWxIEQ4jtl1PDtJ9GVdgxQT4gWdDPVf93QxwzwoVJZcfX3V72X2mryP71EPNdiy4phR9qTA=="
   data-s2bpay-button-text="Proceed with Payment"data-s2bpay-button-height="50" data-s2bpay-button-width="50">
</script>
						

JS Functions

								{status: "success"}
{status: "fail", statusmsg: "INVALID DOMAIN"}
								

							function s2bPayButtonLoad (buttonLoadStatus) {
// buttonLoadStatus.status, buttonLoadStatus.statusmsg
         if (buttonLoadStatus.status === "fail") {
               // TODO- Merchants Business logic in case of fail if any
         } else {
               // TODO- Merchants Business logic in case of success if any
         } }
							

								{status: "closed", corpref: "12345678"}
							

								function s2bpayClose(paymentCloseStatus) {
// paymentCloseStatus.status, paymentCloseStatus.corpref
         if (paymentCloseStatus.status === "closed") {
               // TODO- Merchants Business logic in case of closed
         } else {
               // TODO- Merchants Business logic in case of failure
         } }
							

								{corpref:"8000083522", dateTime:"02012018123535",
hash:"9e3ce1b5d5d0bb83dae10ca2480529ec3efcf4735e200213f6b09b80ab895749", partnerTxnId:undefined,
scbTxnId:"8000083522", status:"pending"}
							

								{corpref:"8000083524", dateTime:"02012018125517",
hash:"3b3e983ed1c8c9f9894a52b62bbfc86677d24915e51fe312ffac4070c8ef2f2c", partnerTxnId:"1",
scbTxnId:"8000083524", status:"success"}
							

								{corpref:"8000083525", dateTime:"02012018125932",
hash:"a389501270772168a55fb877efc83fdf8de298235cf27214a45b2b6e2e527497", partnerTxnId:"0",
scbTxnId:"8000083525", status:"fail"}
							

								function s2bPayNotify(paymentstatus) {
// paymentstatus.status, paymentstatus. scbTxnId, paymentstatus.corpref, paymentstatus. partnerTxnId, paymentstatus.hash, paymentstatus.dateTime
         if (paymentstatus.status === "success") {
               // TODO- Merchants Business logic in case of success
         } else {
               // TODO- Merchants Business logic in case of failure
         } }
							

Try it out

Re-direct Integration

In this integration type, the payment method option needs to be on the merchant portal. Once payment method is selected, Merchant needs to re-direct the user to Straight2Bank Pay URL (bcollect) with the payload as part of https FORM via buyer's browser, Straight2Bank Pay shows payment page or does another re-direction to PSP page which allows the buyer to authorize the payment. The following diagram depicts the minimum integration required for this type.

bCollect

Merchant can re-direct the buyer to bcollect URL of Straight2Bank Pay with the payload as part of https FORM. Straight2Bank Pay does the following:

1. Validates the request, records it and re-directs the buyer to PSP page based on PSP ID sent in the payload.
2. Buyer will be authorizing or rejecting the payment in PSP page.
3. PSP re-directs the buyer back to Straight2Bank Pay registered URL along with the payment status.
4. Straight2Bank Pay records the status and re-directs the buyer back to Merchant's URL that was provided as part of bcollect. Straight2Bank Pay sends Notification message in HTTP FORM variable, notification message structure is described in section Notification Request
5. bCollect supports Instant Payment QR / RTP (Request to Pay) payment methods (like PayNow QR for Singapore, FPS QR for Hong Kong, UPI QR & UPI RTP for India, Thai QR for Thailand, VNPAY QR for Vietnam, etc) where there is no PSP involved. Straight2Bank Pay page shows QR or prompt data for RTP and takes care to show the final status.

bCollect Request (Merchant Server to Straight2Bank Pay via user's browser)

Message Specification

Each key-value pair used to construct payload string for 'bcollect_req' tag is concatenated using & (ampersand) character.

bCollect Response (Straight2Bank Pay to Merchant Server via user's browser)

Straight2Bank Pay receives bCollect request, decrypts, validates the signature and stores the transaction if request is valid, then re-directs the buyer to PSP page to allow the buyer to authorize the payment. PSP redirects the buyer back to Straight2Bank Pay along with the status. Straight2Bank Pay server saves the status and then re-directs the buyer to Merchant URL that was provided in bcollect request message. As part of this re-direction back to Merchant URL, https FORM will have the following payload.

Message Specification

Message and Payload specification are same as Notification Request, will be sent as part of HTTPS FORM.

Exception Scenarios

Straight2Bank Pay gets any of the following error during the validation of bCollect request, then buyer will be shown with error.jsp of Straight2Bank Pay with the details of the error and will not be re-directed back to Merchant page since Straight2Bank Pay does not correct URL of Merchant.

For remaining validation error, Straight2Bank Pay will re-direct the buyer to Merchant's URL (as mentioned in rurl tag) with the payload. Following error message is possible to send statusdesc field.

• Invalid Amount
• Currency code invalid
• Country code invalid
• Invalid Date time in Request
• UniqueId invalid
• PSPid invalid
• Server Error Occurred. Please try again Later

Request and Response Samples

bCollect Request - Sample Message

Clear-text value for 'bcollect_req' tag:

amt=1&corpid=CN000002&country=BD&currency=BDT&datetime=18012019125809&ref1=18012019125809&rurl=https://test-s2bpay.sc.com/s2bpaysit/testredirect&sign=gvudGHnQd6MgS4jmNutZ0nU4jcQrJrQO4PAsY7FReGMooQ5bJe/xDZhy2jtRdbLTmRfgZP9MnFjffOLq61rg81zuL2yeH+ISRPCxVoidwo0VBQizKWxmUNWaV7ntqiUuGZfCrszp4LPcYvUV4AKxDqgyQxmvapGzF/KyC7XCUeM2SyAzzzOTHLYF0Bw8MebnPfFpuHrZz481RXzdVJ5Ca03RR9kgO7d8RIcXeU5z2rzyPbaviZ9d42NwLcNtChn5keO69bgQDx5eoSENffU/60z5+oMyczOdweEpU0OX06ns2lUtzVzAibCgs+ON8JPBjYvL8wtD6A2uRyS2frrgyw==

Sample FORM:

								<form id="s2bpay-bcollect-form" name = "s2bpay-bcollect-form" action="https://test-s2bpay.sc.com/s2bpaysit/bcollect" method="post">
<input name="corpid" type="hidden" value="CN000002"/>
<input name="bcollect_req" type="hidden"
value="K2cZTduF8sX/oOX68nKd8xalYj13N/uotrzRpZCyMugikBHGVVZwwV7IhfZWhk1sDBjpg=="/>
</form>
							

bCollect Response - Sample Message

Clear-text value for 'notifyreq' tag for SUCCESS status:

amt=1.00&ccy=BDT&corpid=CN000002&corpref=18012019134643&ctry=BD&date=18012019135039&optxnid=19011811512712XcIqZw6DbQvdO&ref1=18012019134643&status=SUCCESS&txnid=9000114697&txntype=NEW&hash=2CC3605474A8D5B4669FDAB5AB47F672F9BB8B979A61B66BAF52FDE39030EB04

Clear-text value for 'notifyreq' tag for REJECTED status:

amt=1&ccy=SGD&corpid=CN000002&corpref=18012019112152&ctry=SG&date=18012019132220&ref1=18012019112152&status=REJECTED&statusdesc=Invalid Date time in Request&txntype=NEW&hash=F0CEA40FF1ABEC5545BF9BDD0B6DE34DE87806C6E4B598D4155986CCC212598A

Sample HTTP Form:

								<form id="s2bpay-notify-form" method="post"  action="<merchant rurl>" >
<input type="hidden" name="corpid" value="CN000002" />
<input type="hidden" name="notifyreq" value="GVevAY3SkH0o17RA9gIX8zGb1q5EW1K/CQCg6pmfWM7ppyiIyIX1f/fGACAGtbdPtU4wrMHBi9MtfEvHS/BFC0SQFhQ9qVbi7pml8Dzi7Z03WADFWo3i/6EZi2WVgUTlcAx2etq65Q0CLMNQqIWl7bon6bTeIBWlLnluQR+Io5ve9uBWigtDoPPbjsm6tvbxPcBKZUAfLt6klEr3Njf3PXlZZRLlPFVyUvTFSRRrsWrmovfhiOSPHpZlKUugaBUSND8fvF7wCBupvIZpi6jHkGN5+K74lbcq3oJAn6nWHaSIZ+tX9x4DpP3Xi9P5oR/dDPbe0sQpqsisJ73mYMbSgA==" />
<input type="hidden" name="enc_key" value="UqIbevGgjNMHkWON9c2nd6gYys2QA84HeT2LFrLtvx1e157UONQ4ycePH8b+abxUmJrY5S64LNTX1PIrasH9hUrPzWjOC/ixnnNA/XS33arFJbD84YivPojj3y21U6LU6J0a5l5Cc8qzvCjUR1ZLSI8wZeCIEkfuxQ41XwPaQORBPGnG8am4cUahNB3MyELPxdSoHsPffODn5nRlJ4m24oy5dyGXwIPe9FKno7Ulmq5M5bgzaHdUiz3otzNFeiGWlKhpbt3fa1OyBV5aaqM4eQ+aEDf0BoPl7SjdeshlT1MrB4a2ApfwaE3YT16Er8R7jQX9Vjo+DYhUksaFRnSrEw==" />
</form>

Merchant will receive the values as URL encoded key=value pair
enc_key=GVevAY3SkH0o17RA9gIX8zGb1q5EW1K%2FCQCg6pmfWM7ppyiIyIX1f%2FfGACAGtbdPtU4wrMHBi9MtfEvHS%2FBFC0SQFhQ9qVbi7pml8Dzi7Z03WADFWo3i%2F6EZi2WVgUTlcAx2etq65Q0CLMNQqIWl7bon6bTeIBWlLnluQR%2BIo5ve9uBWigtDoPPbjsm6tvbxPcBKZUAfLt6klEr3Njf3PXlZZRLlPFVyUvTFSRRrsWrmovfhiOSPHpZlKUugaBUSND8fvF7wCBupvIZpi6jHkGN5%2BK74lbcq3oJAn6nWHaSIZ%2BtX9x4DpP3Xi9P5oR%2FdDPbe0sQpqsisJ73mYMbSgA%3D%3D&corpid=CN000002¬ifyreq=UqIbevGgjNMHkWON9c2nd6gYys2QA84HeT2LFrLtvx1e157UONQ4ycePH8b%2BabxUmJrY5S64LNTX1PIrasH9hUrPzWjOC%2FixnnNA%2FXS33arFJbD84YivPojj3y21U6LU6J0a5l5Cc8qzvCjUR1ZLSI8wZeCIEkfuxQ41XwPaQORBPGnG8am4cUahNB3MyELPxdSoHsPffODn5nRlJ4m24oy5dyGXwIPe9FKno7Ulmq5M5bgzaHdUiz3otzNFeiGWlKhpbt3fa1OyBV5aaqM4eQ%2BaEDf0BoPl7SjdeshlT1MrB4a2ApfwaE3YT16Er8R7jQX9Vjo%2BDYhUksaFRnSrEw%3D%3D

						

Try it out

bMandate

Merchant can re-direct the buyer to bMandate URL of Straight2Bank Pay with the payload as part of https FORM. Straight2Bank Pay does the following:

1. Validates the request, records it and re-directs the buyer to PSP page based on PSP ID sent in the payload.
2. Buyer will be able to chose the bank or redirect to psp page to create mandate.
3. PSP re-directs the buyer back to Straight2Bank Pay registered URL along with the payment status.
4. Straight2Bank Pay records the status and re-directs the buyer back to Merchant's URL that was provided as part of bmandate. Straight2Bank Pay sends Notification message in HTTP FORM variable, notification message structure is described in section Notification Request

bmandate Request (Merchant Server to Straight2Bank Pay via user's browser)

Message Specification

The JWE String table lists the details used to construct the value for 'bmandate_req' tag.

Request Parameters

bmandate Response (Straight2Bank Pay to Merchant Server via user's browser)

Straight2Bank Payreceives bCollect request, decrypts, validates the signature and stores the transaction if request is valid, then banklist will be displayed/re-directs the buyer to PSP page to for creating mandate.

Message Specification

Message and Payload specification are same as Mandate Notification [JWE Format] Request, will be sent as part of HTTPS FORM.

Exception Scenarios

Straight2Bank Pay gets any of the following error during the validation of bmandate request, then buyer will be shown with error.jsp of Straight2Bank Pay with the details of the error and will not be re-directed back to Merchant page since Straight2Bank Pay does not correct URL of Merchant.

For remaining validation error, Straight2Bank Pay will re-direct the buyer to Merchant's URL (as mentioned in rurl tag) with the payload. Following error message is possible to send statusdesc field.

• Invalid Amount
• Currency code invalid
• Country code invalid
• Invalid Date time in Request
• UniqueId invalid
• PSPid invalid
• Server Error Occurred. Please try again Later

Request and Response Samples

bmandate Request - Sample Message

Clear-text value for 'bmandate_req' tag:

{ "corpid": "CN000002", "country": "SG", "currency": "SGD", "datetime": "18012019125809", "ref1": "18012019125809", "rurl": "https://test-s2bpay.sc.com/s2bpaysit/testredirect" }

Sample FORM:

								<form id="s2bpay-bmandate-form" name = "s2bpay-bmandate-form" action="https://test-s2bpay.sc.com/s2bpaysit/bmandate" method="post">
<input name="corpid" type="hidden" value="CN000002"/>
<input name="bmandate_req" type="hidden"
value="eyJlbmMiOiJBMjU2R0NNIiwiYWxnIjoiUlNBLU9BRVAtMjU2In0.Vzme9s5j7hafsG90Dy8Ya9Ex91Gim07m0lIYS8c7gC1BNj29jSos-ctCpUoEdBOVkn9q0lDxNVBM-roTT-RNEVCbQ-CL2fiwjlSvEBQ1SZ19ocOq-y70H4H6X9jI4sx6ilU3JSI7oHMhAzyr2JT1gc0EzKOR4qpQNuGWxPpb8Th3LpVfQ-97tazXdfyOaPbikgDUcJs2nc_jjWFPSRricE_tbzx0ML0HFdMdP2O7ZDH-GUAZfZJ1NbQ3f3tbLujIq3RUp5gzXxyI-7LQC9hHpSMMD99uV3kMugxB70llhNIFlaf4F47HSOSEZdJlgFd8vSuUawj5hmeNk37e0V8-dw.D_40VlttIrQs6OnQ.ZLwI3h7VFWhKOkrd6Nud3EUMgaN_Exk9nkEAReLsZoaLlxZ2twPLaw-wuyO-uDXFPmFlF0VKh073Ksmve8GYfm6pd_DMCPAYnNdk1uHb2fJWsxG_ljmrw69Z7dH3NhtotYVWT8kzN0FUsAdtKKlUk-wSk-wRdl852sq4HIyebX7K3fLD3c-eHg-zWsh2xnPhYxlkoptd97gVI7hrpq3pYip3n2D5hzjhJER3E5SPPgTxfbtq1tIxXQGxBRiqxPde3E2Pb6_5KruT3Ppp_p4GY5dTgIcEqqzIWzYIZrTOYIhY90qYIYmKPRHKvQ0LLsyvbDVqPjno9PQtAuZcVFbeCIN4dYh4l7i8y1qcVZ1S53zq27yohE47pLi33CGT2fVMzRMSupAEMQzVlYlVV4DH4fi2FL971EIDaYrOZ80ClfRiI3burCAV00qqX1jySfz9xphBjXfn7kolijFvKgIV0GKe_sRnqqq5fyo3kpa4G6l4vDoPWqP6qkbtUsfNc6qdjnLWF9qMulLBnQ366ZUilV4UW61TneLrmIcp-43aGboS0vY883exuWNlwV_s_IP5aFL6uxpIHSldlEB_sls4IboBKsEO1EerYk1FyLAHgzFo6pFitVlu.oJ7PSOMoqBVd7O1ceKC_Yw"/>
</form>
							

bmandate Response - Sample Message

Clear-text value for 'mndt_notifyreq' tag

{ "ackref": "8900064789", "date": "13092016181800", "status": "SUCCESS", "txnid": "6000064687"}

Sample HTTP Form:

								<form id="s2bpay-mndt-notify-form" method="post"  action="<merchant rurl>" >
<input type="hidden" name="corpid" value="CN000002" />
<input type="hidden" name="mndt_notifyreq" value="eyJlbmMiOiJBMjU2R0NNIiwiYWxnIjoiUlNBLU9BRVAtMjU2In0.Vzme9s5j7hafsG90Dy8Ya9Ex91Gim07m0lIYS8c7gC1BNj29jSos-ctCpUoEdBOVkn9q0lDxNVBM-roTT-RNEVCbQ-CL2fiwjlSvEBQ1SZ19ocOq-y70H4H6X9jI4sx6ilU3JSI7oHMhAzyr2JT1gc0EzKOR4qpQNuGWxPpb8Th3LpVfQ-97tazXdfyOaPbikgDUcJs2nc_jjWFPSRricE_tbzx0ML0HFdMdP2O7ZDH-GUAZfZJ1NbQ3f3tbLujIq3RUp5gzXxyI-7LQC9hHpSMMD99uV3kMugxB70llhNIFlaf4F47HSOSEZdJlgFd8vSuUawj5hmeNk37e0V8-dw.D_40VlttIrQs6OnQ.ZLwI3h7VFWhKOkrd6Nud3EUMgaN_Exk9nkEAReLsZoaLlxZ2twPLaw-wuyO-uDXFPmFlF0VKh073Ksmve8GYfm6pd_DMCPAYnNdk1uHb2fJWsxG_ljmrw69Z7dH3NhtotYVWT8kzN0FUsAdtKKlUk-wSk-wRdl852sq4HIyebX7K3fLD3c-eHg-zWsh2xnPhYxlkoptd97gVI7hrpq3pYip3n2D5hzjhJER3E5SPPgTxfbtq1tIxXQGxBRiqxPde3E2Pb6_5KruT3Ppp_p4GY5dTgIcEqqzIWzYIZrTOYIhY90qYIYmKPRHKvQ0LLsyvbDVqPjno9PQtAuZcVFbeCIN4dYh4l7i8y1qcVZ1S53zq27yohE47pLi33CGT2fVMzRMSupAEMQzVlYlVV4DH4fi2FL971EIDaYrOZ80ClfRiI3burCAV00qqX1jySfz9xphBjXfn7kolijFvKgIV0GKe_sRnqqq5fyo3kpa4G6l4vDoPWqP6qkbtUsfNc6qdjnLWF9qMulLBnQ366ZUilV4UW61TneLrmIcp-43aGboS0vY883exuWNlwV_s_IP5aFL6uxpIHSldlEB_sls4IboBKsEO1EerYk1FyLAHgzFo6pFitVlu.oJ7PSOMoqBVd7O1ceKC_Yw;" />
</form>

						

Try it out

Payment Link Integration

In this integration type, Merchant is expected to generate Payment Link and redirect the buyer to the Payment Link. The Payment Link will present the landing page with the enabled Payment Methods, facilitates buyer to choose a preferred Payment Method till payment authorization, then shows the final status (can be disabled), re-redirect the buyer back to Merchant's page with the status at end of buyer's user journey. The following diagram depicts the minimum integration required for this type.

billCollect - Straight2BankPay QR / Payment Link

Straight2Bank Pay QR (aka Payment link) option can be utilized by Merchant for the following scenarios:

1. Merchant does not have any web portal and want to collect via Straight2Bank Pay payment gateway.
2. Merchant does have a portal but does not want to integrate with Straight2Bank Pay in real-time, due to some reason (no IT team to work on this immediately).

Merchant will be provided with a Payment Link URL as part of on-boarding process, Merchant can send this URL or convert into QR image and send it to the Payer using any of the following channels:

1. Printing QR in physical invoice / Bill
2. Sending URL or clickable QR code in any electronic medium (like email, SMS, portal, social media, etc)

Fraud Awareness

Business email compromise (BEC) is a type of email cybercrime scam in which an attacker targets a business to defraud the company. BEC scams can be perpetrated in several ways. One method involves an employee's email account being hacked and the fraudster impersonates the firm by requesting for payments from unsuspecting customers. Fraudsters can replicate invoices or include payment links similar to one you would normally send to your customers, and the payments are then sent to fraudulent bank accounts owned by the fraudster. Protect your firm and customers by learning how BEC scams can be disrupted here.

Payer to scan the QR code using built-in camera app of any smart phone or using any QR reader app or using Google Lens or Bixby Vision options or click on the URL. The payment link will be accessed via browser and Straight2Bank Pay shows the payment page and allows the payer to complete the payment.

Straight2Bank Pay offers 4 features via Payment Link solution:

1. Static Payment Link
2. Semi-dynamic Payment Link
3. Dynamic Payment Link
4. Static Payment Link with Bill Presentment

If the URL is invoked via QR reader or invoked from Payment link, then the request will reach to Straight2Bank Pay server and does the following:

1. Decrypts the URL query-string and validates the Corp ID. If it is valid, then it shows the input page to prompt the user to key-in certain data. What data to be prompted to the payer is configurable at Corp ID level.
   • For 'Dynamic Payment Link', step 1 (input page) is not applicable, it goes to payment page directly which does not required any data input by payer.
2. On Clicking on 'Submit' button in input page, Straight2Bank Pay shows the payment page with the enabled payment methods at Corp ID level.
   • For 'Static Payment Link with Bill Presentment', Straight2Bank Pay makes an API call to Merchant server to fetch the Bill details (refer Bill Fetch API section for more details). After getting the bill amount and other relevant data, Straight2Bank Pay shows the payment page.
3. Depends on the payment method selected by the payer, Straight2Bank Pay will either redirect the payer to PSP page or process the transaction by connecting to PSP via API or shows the QR code.
4. Post the payment authorization, PSP re-directs the payer back to Straight2Bank Pay registered URL along with the payment status.
5. Straight2Bank Pay records the status and notifies the merchant via Notification Request if it is opted by Merchant.

Static Payment Link

As part of on-boarding, implementation team will create Payment Link URL & corresponding QR code and pass it to Merchant. Merchant can be send this URL or QR code to multiple payers, Payer is expected to key-in the amount and reference number and make the payment.

Alternatively, Merchant can bookmark this URL in browser and use it for face-to-face collection to generate instant payment QR or initiate Request-To-Pay (RTP) by entering the amount and reference number, the page also shows the status in real-time.

Payment Link URL contains query string (encstr) with encrypted data of Corp ID, country, currency and expiry date & time of URL.

For this option, no development work is expected at Merchant end. Merchant can opt for periodic Transaction Report to get the transactions that have been successful paid.

Sample Payment Link URL:

Test:

https://test-s2bpay.sc.com/s2bpaysit/billcollect?encstr=MBk+Eld6E75xgsUQNMbLR1ZnIDMA+s4XBFJ1WNy3twhH3nh+y/gnrFVMliYroy4Y

Prod:

https://s2bpay.sc.com/s2bpay/billcollect?encstr=5+aiI7Zc/B4N4/00DBe/xXj7Yk2KyT5FzgsvlwqvoCznks11+Sh3/e7eNZCW5LFV8nd2rtpXbAAKVeTaoPg7hQa==

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Semi-dynamic Payment Link / Dynamic Payment Link

Static Payment Link generated by Bank can be easily converted into semi-dynamic or dynamic payment link by appending an attribute 'cencstr' (client generated encrypted string').

For dynamic payment link 'cencstr' will minimum contain Amount and reference number, so it will by-pass the input page and goes to payment page with all pre-populated data.

For semi-dynamic payment link 'cencstr' will contain either Amount and expecting input page to prompt the payer to enter reference number or 'cencstr' will contain only reference number and expecting to prompt the payer to enter amount. As part of Merchant Profile, it will be configurable which field to be made as editable. For this option, input page will be shown to collect the data before presenting the payment page.

This option requires Merchant to have an application to construct 'cencstr' and append to Bank provided static Payment Link URL to convert into semi-dynamic or dynamic payment link.

URL Specification

Request parameters of 'cencstr'

Try it out

Static Payment Link with Bill Presentment

For this option, Payment Link will be provided by Implementation team as part of on-boarding. The user journey will start with Input page which prompts the payer to enter his/her identity with the Merchant. Upon click on 'Submit' button, Straight2Bank Pay server makes Bill Fetch API that expected to host in Merchant Server, based on the response from Merchant server, pre-populated payment page will be shown to the payer to complete the payment.

If Merchant is already having an API which provides the Bill Amount and other reference data, then Straight2Bank Pay needs to be enhanced to consume that API to make required user journey for Bill Presentment collection. If Merchant is going to develop to host an API, then Merchant can build the API with the specification that has been defined by Straight2Bank Pay as described in next section.

Bill Fetch API

Bill Fetch API is hosted in Merchant's server to provide the bill details to Straight2Bank Pay. This API will be called whenever Payer enters the reference in Payment Link Input page in order to fetch the bill details.

billFetch - Request (Straight2Bank Pay Server to Merchant's server)

Message Specification

The following table lists the key name used to construct the value for billfetch_req tag, each key-value pair is separated using & (ampersand) character

Request Parameters:

billFetch - Response (Straight2Bank Pay Server to Merchant's server)

Merchant is expected to generate synchronous response for each billFetch request that is requested to Merchant's billFecch API endpoint URL.

Message Specification

The following table lists the key name used to construct the value for 'billresp_resp' tag. Each key-value pair needs to be separated using & (ampersand) character.

Request and Response Samples

BillFetch Request - Sample Message

ccy=KES&corpid=CUIIN001&ctry=KE&ref1=12345 &hash=A7F4CB71B49E86B30BE4ECA2561F998223FA1FAD83531A07DFF982979CEFB862

JSON message:

								{
"corpid":"CN000002",
"billfetch_req":"bIBnxTBhMIs/LwGS6F+p5uyfjjU/PN+pnme/a2qBaDIOmcjFCxtQoEjw7GwtZIkZxVt0tFO21UAXiZ8h+pKbDNgdKWXJ+eurVZvgt92+UPvMYmDPWH7mQV3rSdhjmp3Jh4E7qG/lEt9acTMbG09/kr1Yd62lmVdKLyOf+HG/BIfC4bySuEeUkW8yER74NE5P",
"enc_key":"UiNmnMDrQneF3kkK33IPdHJ68FLppOAt3MO/WLdOz6oMA8I2UqS2zuKzMoFFE56AMLz5r4ZnOYcuFBI0E+crf6VRWZ/bvWG8oSZWWAu7/z2YY84B6cvsIPsTa7FkqtMyZXGjY8EuslBxECrRgLq7TxVpDGAr3116Z3uX3SuYBx5MbpEWOq3LOWexZfqIdxvvFixnJBZ+Y9Cu8paqdmn9IjXbHkln9lChadfe0eZ7xFHjw5m6cEQtlSxh73pXSFOXnKu8kvWJKaEBzvpJAUOXEYqDXRaRQ9HKuF7wstCWIOMoc2FsyLc7xv2V58NtMQi1l6hjgBN5c1NpUgFaCQm0Tg=="
}
						

BillFetch Response - Sample Message

amt=100.12&corpid=CUIIN001&ref1=12345& ref2=John Smith& ref3=AQUI7890UB& ref4=xx&status=SUCCESS&sign= i0aL9O7LkTOEfDnkagVHRgBXy4yNBvibud7NFmGk2/CUPa856SJaDbvKjlHz7rdo+cfxRc8vKNwl0ms+OSb95K5YVqLfe26xfYM5cVhOMKarDiaLRbJSAUJvtw7+zCJ7ZiEuLcnZP2yOzhy5Zlvb5FtSIFT5WT6HOiqB3SWX4DUb4xuJQFyoRhA9iWwj8A0mbWDE5l7I/OCHPhBvVYcIhWI3br5xQ6kNzwkwDl5glvPby5zKEDXNZqCxTQ/451kXEITRT3JTmixb+Dhnd77IxvFiyW/zN6mkebSNU9GMEuxwOONrL+ykCBHSEyodYwaFPRYzs/MB1gLKmTnWjQLubA==

JSON message:

								{
"corpid":"CN000002",
"billfetch_resp":"cUl5LoAVncDUFDseeU1Pzwx6C28uPUoOPdEex97ZwwV6hZodAeapdoKWpIiRXvfj2P3knVYt0hybDa/a/eC6NdL7LV1qs5R/f4tzygDHSHrXm4LoWKoreDqfGFlfk3y43Re+SmaFIlnjKkVgtKTbQ0atiTL22YdRka9bS+Y5Su1346deVuT8ixL4TKTZ1Ej/9zX+AatJ7GofTA5Zo7jMjWMPLcb2npC1JKjVlFx7J5rQewnLCIu3LYH8HFSzQOGzZmSY5QllN1p0EvciHs50tH9qa5kT854bU8qMhSXMK2ZTehTV+gTxB9YKqXFtLSHl35FZK0emEPLb/Z4W/Y4lwL+F3RllJfuqR91f4jCdzTWKYOuDbkrEyfPPIEICBiWzK2UitbBm+cJCuRJZMBXG8qE+og+nhM6Z9zYG/Q8J+c3g72jG9h0aY/iXDvOHTe0+1SA5W2SXhFQcUreYvkf8xkAsbhAsN0KPiAOd5BshJcv/lM5TtT8r/IlXZc1SjbutuoUsggxF9FKAAQb16EVcwBb8wltN/CEIkrN1wLKaaMtig26LhZ0+BZP+CZxUSwcqvsCBgPsqKXjNh+8dSB2CLuZ3EgSZsOs+XQbLOCRelfvENTyHEl72vIXfoTcaMYGTgXQWn59ogTD1R8mTMkUcFe+am5e123EojMilxMr8iqc="
}
						

API Integration

In this integration type, Straight2Bank Pay is not involved in rendering UI on merchant page, but offers API services for Payment Method which is not required to re-direct the buyer to PSP page. Merchant to invoke API of Straight2Bank Pay as server-to-server call (collect) to perform on-line collection. For such Payment Method, buyer authorizes the payment in Mobile App, eg. UPI for India, PayNow for Singapore, etc. The following diagram depicts the minimum integration required for this type.

Collect

Merchant Server can call this API to initiate a collect request for applicable PSPs. Straight2Bank Pay does the following based on the PSP ID:

1. If PSP meant for QR code generation, then QR string will be generated and respond back synchronously.
2. If PSP meant to send collect request further to PSP, then the request will be sent to PSP and acknowledgement message will be sent synchronously as response.

Collect Request (Merchant Server to Straight2Bank Pay)

Message Specification

Each key-value pair used to construct payload string for 'collect_req' tag need to be concatenated using & (ampersand) character.

Collect Response (Straight2Bank Pay to Merchant Server)

Straight2Bank Pay receives Collect Request, decrypts, validates the signature and stores the transaction if request is valid, then generates synchronously response and sends back to Merchant.

Message Specification

Each key-value pair used to construct payload string for 'collect_resp' tag is concatenated using & (ampersand) character.

Request and Response Samples

Collect Request - Sample Message

Clear-text value for 'collect_req' tag:

amt=10&corpid=CUIMOM01&country=SG&currency=SGD&datetime=18092018122600&pspid=SGPAYNOW&ref1=234252343&ref2=6545256&sign=b+0fpnA/8qI2wqsPUaLTv+fxHv49rgk4xf7ieflB6J8H8MFzQI8VjAP1Efw2r8BRBZXK7ZwE+Pnrf286y5fP3vtTEgZJIZv8iGs0ySlodUruqe0xJNElFLtbXJjZt13CG3B3wPTucXBl+PO24WyaA1DkaFjZzsjiSC2V6VwoW1zMJ9ecSu+3Kqh8UBc2HyyH3M6CwL0NzxjQS+o077Yharayh6sqTd3ELt1q71dKSv7TNeRpzhUtW+8+BVYB4LMjE7hF1iKymsZKdQsEiDpY+LrJ2LXJ1PboiQu1wvKin0fFpRnRX8v25t5XKUZC8yvBPKIRtty8/golsl8tpodxbw==

XML message:

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CUIMOM01</corpid>
<collect_req>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</collect_req>
</xml>
							

Collect Response - Sample Message

Clear-text value for 'collect_resp' tag for PENDING status:

ack=PASS&amt=10.00&ccy=SGD&corpid=CN000002&ctry=SG&datetime=18092018122611&qrstr=MDAwMjAxMjYzNjAwMDlTRy5QQVlOT1cwMTAxMjAyMDkwMTIyMTkwMEIwMzAxMDUyMDQzMDM3NTMwMzcwMjU0MDUxMC4wMDU4MDJTRzU5MTJQYXlOb3cgVUFUMDI2MDA5U2luZ2Fwb3JlNjIxMTAxMDc2NTQ1MjU2NjMwNEU3Q0M=&ref1=234252343&ref2=6545256&status=PENDING&txnid=8000000942&txntype=NEW&hash=B9A3798F251AE07889420459D5758C44A4165C379BE3422023B53E04E67404D2

ack=PASS&amt=1.00&ccy=INR&corpid=CN000002&corpref=0609201118103825&ctry=IN&datetime=06092018133755&ref1=0609201118103825&status=ERROR&statusdesc=Invalid VPA&txnid=8000110845&txntype=NEW&hash=BECDD88F0EE19C61AD7B6839F3BF0CDBCFB9E5B590900AD162DD016EFE005AAF

XML message:

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<ack>PASS</ack>
<corpid>CN000002</corpid>
<collect_resp>HpBodmPUtt6bBhTK2KAkl01jO6X11Uj6kScr6jBEdNgtoCGsLUPvfT6bl+/L06an/iw0SwduwN0J2MaHYfrfK1n7WNexohDD5Sc9iw4ZEuZWR1krmUmQwFXNgwjmOCFeZzVVW9/+Y1S7Wx+xTxxR7rRSYpUq0/qNxdHEQwhmw0d8kOsEtOeFgK+IibY/9OQZ+BiMPi9DOOChplZFpWKE2ELrNZd4VRYI0GAKseFa0f9uphZ7JfRmGNF7elTWXScyGaiBHsGFWxmzcqvb5aSKPXvGnPAF3wzYT10huM+plPx2/I2yAshGvsXtR2W8VKVeufmPSEJynGLTAUUXmFu9n7FqtbGi4hXYF/39I9W3AzlvsbBQqhHM6Ed2hNBMNnq2</collect_resp>
<enc_key>W5M1G6BDJGlTEgFOcIrdsb3GN/WHjf4A8v5vewXnVwpFJQzfDnGiPVFwIqS3H3bQMrUXvERmWSgaT2vBdU+btvwPQtssFqiiT3c/IGBeLtgEJ9YXmBlf/kacF6MG5tN6ghpg4BKsFT7jB5Cdnrmi+RchtMZxqBO4v0nXxOkHiUif+ooWC8O0HLaEPIluTxCdo9AhJaFj60XW+2YKQnWcAwKSiEf1aWL3P+bjycgS/TUZQbnf/1m1XPl8P9GXm4Kovu+xiLlFLnhS4LZ8W9hisVv1mM6hwV5Kr0rlAuo0Fa8oUbUI26k/rA+8KmymuGFeJLgiFRb3G+CpS5jiqnMGtA==</enc_key>
</xml>
						

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<ack>FAIL</ack>
<ackdesc>Sign Error</ackdesc>
</xml>
							

Try it out

eMandate

Merchant Server can call this API to initiate a collect request for applicable PSPs. Straight2Bank Pay does the following based on the PSP ID:

1. Mandate registration-S2B Pay Hosted API for Corporate Client to register mandate.
2. This API will be Supported by the data level Security model as JWT (JWE/JWS) .

eMandate Request (Merchant Server to Straight2Bank Pay)

Message Specification

The following table lists the key names used to construct the value for 'emandate_req' tag.

Payload Attributes

eMandate Response (Straight2Bank Pay to Merchant Server)

Straight2Bank Pay receives eMandate Request, decrypts, validates the signature and stores the transaction if request is valid, then generates synchronously response and sends back to Merchant.

Message Specification

Payload Attributes

Request and Response Samples

eMandate Request - Sample Message

Clear-text value for 'emandate_req' tag:

{ "corpid": "CUIMOM01", "amt": "10", "country": "SG", "currency": "SGD", "actn": "C", "ref1": "234252343", "ref2": "6545256", "ref3": "payer_vpa", "ref4": "232", "ref5": "", "ref6": "", "ref7": "", "ref8": "", "ref9": "", "ref10": "", "datetime": "18092018122600", "pspid": "SGPAYNOW", "rurl": "https://example.com/return" }

XML message:

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CUIMOM01</corpid>
<emandate_req>eyJlbmMiOiJBMjU2R0NNIiwiYWxnIjoiUlNBLU9BRVAtMjU2In0.RyAD2NS_disLVDhk-Ja-2JoMu6SdOMi_E8sIowXRdGP35kOakvTsE8aDcoW3beUfB9UavtXCsyv2vD61J1dDXNP02Qtwoa-JkhXdghLf0TpUgxewayizhJxRrDNcmgTDVw9WL761RDb2RqPuvnkC_iYF4znD9SUZp-DgzL9Ye1CqW9rM9IzhwDS56B4b20e8so9pck0hpMuKF5hE0-lDdsID7UhTTBCeJUE-Uw4feBRAhUGyeUsbWv8b0NX2HxWBu9cVnhirNT4j2yp-tFOfhni8z4C0Z1iHS7Eyo_n8D9xp3JqknaSqRYO3JPtTCRxNVPDQ4jcimm4eRmCzbfdN_g.n_q7WLrjX4pbDUyL.ZifqpUuCKk7wK43Ts453dT0Wcg2H39CYybPTbSUR3IC1zwqc2BZ4Kkf28Tg_zosptBsWvnxIzavix5TmYTk4BXl7tqHXmquTQ7j9f2EQLA1fdR9OJGUgOF0BUs1NKUsR0TGO_4x80f4jpsABdEZZVZHfSUdY2WnZE1zn_3Rtb1xbVVumDRuD3tp_zq8udOWJGv5XZBxyHImK9L3DazwQQcpZjm8bEII9HPuB9s9QRV82OruCKxT7SYF7Msq4DvMpkJdQG4JA_Hqkwx7TclPqBsINTgJT3ONgC5Viubx_4jjZCDjYIZqu0sO9XW3kkTS2Ef16Uw1EUBOIzvy0NRsfvUmRmnh6cMiVC5gxEkJAHAojdas6ajEq0QtoL5KIFh_0Coznc7ykPLpHAC1lCGxeRd7mccdu1yIUQ6nO3Nc-GrXYJMsGhWbHGzXvIpfAi0DbYBM8X0bdPfmKwExoSGa_f_j6KFMUOeOcA33N70qpsUlLPtHRl0BigH0XHQ2SDUoZOVMRNEuonldeIEM9JsBZLLS4kF-l-0VOxaApBVHjZP_c8OAl0_hwbqL1BNRFJZOru80C6cJ26GnZqJO3Rp_4sir_SqeYX2OD1APQgsNmO0Vtowz8LBLO.d4Lr8wKRJEMkgYgIqTWo3Q</emandate_req>
</xml>
							

eMandate Response - Sample Message

Clear-text value for response status:

{ "ack": "PASS", "ackdesc": "Description if FAIL", "corpid": "CN000002", "emandate_resp": { "status": "PENDING", "statusdesc": "Remarks on status", "txntype": "MANDATE", "corpid": "CN000002", "mndtid": "12345678901234", "payerid": "payer_id_value", "billref": "corporate_reference", "txnref": "txn_reference", "ref1": "reference_1", "ref2": "reference_2", "ref3": "reference_3", "ref4": "reference_4", "ref5": "reference_5", "ref6": "reference_6", "ref7": "reference_7", "ref8": "reference_8", "ref9": "reference_9", "ref10": "reference_10", "date": "18092018122600", "pspid": "SGPAYNOW", "ctry": "SG", "ccy": "SGD", "strtdt": "start_date", "enddt": "end_date", "payeraccnum": "payer_account_number", "payerbankcode": "payer_bank_code", "payername": "payer_name", "sgmnt": "segment_value", "payeraccnumtkn": "payer_account_token", "payeridenttype": "payer_ident_type", "payerident": "payer_ident", "payeridenttkn": "payer_ident_token", "issurctry": "issuer_country", "issurbin": "issuer_bin", "isdefault": "Y", "psptkn": "psp_token", "maxamt": "1000.00", "schedulefreq": "3", "corpident": "corporate_identifier", "amttype": "amount_type", "schedulerelation": "schedule_relation", "scheduleday": "schedule_day", "schemetxnref": "2409243423", "qrstr": "qr_string", "corpacc": "1234567890" } }

XML message:

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<ack>PASS</ack>
<corpid>CN000002</corpid>
<emandate_resp>eyJlbmMiOiJBMjU2R0NNIiwiYWxnIjoiUlNBLU9BRVAtMjU2In0.RyAD2NS_disLVDhk-Ja-2JoMu6SdOMi_E8sIowXRdGP35kOakvTsE8aDcoW3beUfB9UavtXCsyv2vD61J1dDXNP02Qtwoa-JkhXdghLf0TpUgxewayizhJxRrDNcmgTDVw9WL761RDb2RqPuvnkC_iYF4znD9SUZp-DgzL9Ye1CqW9rM9IzhwDS56B4b20e8so9pck0hpMuKF5hE0-lDdsID7UhTTBCeJUE-Uw4feBRAhUGyeUsbWv8b0NX2HxWBu9cVnhirNT4j2yp-tFOfhni8z4C0Z1iHS7Eyo_n8D9xp3JqknaSqRYO3JPtTCRxNVPDQ4jcimm4eRmCzbfdN_g.n_q7WLrjX4pbDUyL.ZifqpUuCKk7wK43Ts453dT0Wcg2H39CYybPTbSUR3IC1zwqc2BZ4Kkf28Tg_zosptBsWvnxIzavix5TmYTk4BXl7tqHXmquTQ7j9f2EQLA1fdR9OJGUgOF0BUs1NKUsR0TGO_4x80f4jpsABdEZZVZHfSUdY2WnZE1zn_3Rtb1xbVVumDRuD3tp_zq8udOWJGv5XZBxyHImK9L3DazwQQcpZjm8bEII9HPuB9s9QRV82OruCKxT7SYF7Msq4DvMpkJdQG4JA_Hqkwx7TclPqBsINTgJT3ONgC5Viubx_4jjZCDjYIZqu0sO9XW3kkTS2Ef16Uw1EUBOIzvy0NRsfvUmRmnh6cMiVC5gxEkJAHAojdas6ajEq0QtoL5KIFh_0Coznc7ykPLpHAC1lCGxeRd7mccdu1yIUQ6nO3Nc-GrXYJMsGhWbHGzXvIpfAi0DbYBM8X0bdPfmKwExoSGa_f_j6KFMUOeOcA33N70qpsUlLPtHRl0BigH0XHQ2SDUoZOVMRNEuonldeIEM9JsBZLLS4kF-l-0VOxaApBVHjZP_c8OAl0_hwbqL1BNRFJZOru80C6cJ26GnZqJO3Rp_4sir_SqeYX2OD1APQgsNmO0Vtowz8LBLO.d4Lr8wKRJEMkgYgIqTWo3Q</emandate_resp>
</xml>
						

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<ack>FAIL</ack>
<ackdesc>Sign Error</ackdesc>
</xml>
							

Try it out

Notification

Merchant is expected to host a REST API (also called as Webhook / Reverse API) to receive real-time notification from Straight2Bank Pay.

As per buyer's user journey, if buyer has successfully authorized a payment, then PSP notifies to Straight2Bank Pay, Straight2Bank Pay saves the status and notifies to Merchant Server in real-time. This notification will be sent only for successful transaction for NEW transactions. For REFUND transactions, Notification will be sent both for Success and Fail scenarios.

Merchant Server is expected to accept the message, saves the status and sends the response synchronously back to Straight2Bank Pay server. In case, Straight2Bank Pay receives timeout error or no response while delivering the notification message, it will automatically retry for 3 days for every 2 hours until the message is successfully delivered and response message is received.

The notification and its response message specifications have been designed by Straight2Bank Pay:

Notification Request (Straight2Bank Pay to Merchant Server)

Message Specification

The following table lists the key name used to construct the value for 'notifyreq' tag, each key-value pair is separated using & (ampersand) character

Request Parameters:

Notification Response (Merchant Server to Straight2Bank Pay)

Merchant is expected to generate synchronous response for each notify message that is pushed to Merchant's Webhook URL.

The following table lists the key name used to construct the value for 'notify_resp' tag. Each key-value pair needs to be separated using & (ampersand) character.

Request and Response Samples

Notification Request - Sample Message

Clear-text value for 'notifyreq' tag:

amt=1.00&ccy=INR&corpid=CUIIN001&corpref=8000083745&ctry=IN&date=09012018214705&optxnid=1&ref1=ref1&ref2=ref2&ref3=ref3&ref4=ref4&ref5=ref5&status=SUCCESS&txnid=8000083745&txntype=NEW&hash=A7F4CB71B49E86B30BE4ECA2561F998223FA1FAD83531A07DFF982979CEFB862

XML message:

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CUIIN001</corpid>
<notifyreq>MkxJywCyD+nUMsgb7AqAjMWmL6VclHHSYP4Xjnl2IJejEiQLAFbwMxcj/91rTK05qzIye8y4e3jfbLlY0wtjVe4IbDo7zSaP1A2zrogCV5VV0auRw2mB89EDtdAwbGHRNC3JMnbFLL3/8F6lN1YALs6eHE4W8W/rkunCnl/OUZhcTE
mwzUPniDdXkJaiRN/zIVR9R2C///ZmxSfN7cltENUiqJdI6qSDaV/UnsIZLKwIRL/o1ORnS3/oO/7GqciXwY63r+wpgeIwoGseaJGhwpXNgQ2AP7A6i70PkmVT3D1hXp+I5ppxMKgpL3B/BPwP5e3rQp/MXlP8Urvj4qf/IQ==</notifyreq>
<enc_key>I5z/K2x1DNxJJW3oJEw++JzaSwYl+ZGYhvMmgeXZ7cL1cSUEd+CIT9mpc/dRPQSeGDp4pgnJYtx7/J+pbin7Wt9V1Ix9pFrpaHOj3upFi4jHzuLxh1vnxzREWrYyx7m1jfgqJfJpk1H0QfaZyqh8KYJ1lI5tHcQQsf8QrdhsCpBxUoDo4
hYQu1vpHuoKypw6teMI1bZFxubWFDe+QCJifZxWcBEProTYKpk6XgOnXR62X3jAUuIIl4MUE9SiziFqQMThhxL0XRqYsrvovHJwFCJEHRA6+ew4pa1fmY1rchp/VCDlkXHCyTc2rGLfeXC2wsORvKJ4MtNInPoXty8T6Q==</enc_key>
</xml>
							

Notification Response - Sample Message

Clear-text value for 'notify_resp' tag:

ackref=8900064789&date=13092016181800&status=SUCCESS&txnid=6000064687&sign=E9C4E04664A469EA2196820B12D1D0EF4E209BE8A456D7B806A0EED2264C1C81

XML message:

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CN000001</corpid>
<notify_resp> 2nK57VdsNzeXj229xl7mIKjBEM0xjfutFGkjry7v2IEKUseJ9URgLkbz1z504w3pvv00VDlrvObH+r1G5VUeY8XNvzWF1i1e8WIVKauYeFo2wF3cMRBPZ4ObGqF/KmUykb9hM7Sd5wnz9d/B6
CEzvJh305thMfKH+AYz70IX+BdONzeI3XAOcm0YWr2MMQdj</notify_resp>
</xml>
							

Try it out

Mandate Notification [Key Value Pair]

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CUIIN001</corpid>
<mndt_notifyreq>MkxJywCyD+nUMsgb7AqAjMWmL6VclHHSYP4Xjnl2IJejEiQLAFbwMxcj/91rTK05qzIye8y4e3jfbLlY0wtjVe4IbDo7zSaP1A2zrogCV5VV0auRw2mB89EDtdAwbGHRNC3JMnbFLL3/8F6lN1YALs6eHE4W8W/rkunCnl/OUZhcTE
mwzUPniDdXkJaiRN/zIVR9R2C///ZmxSfN7cltENUiqJdI6qSDaV/UnsIZLKwIRL/o1ORnS3/oO/7GqciXwY63r+wpgeIwoGseaJGhwpXNgQ2AP7A6i70PkmVT3D1hXp+I5ppxMKgpL3B/BPwP5e3rQp/MXlP8Urvj4qf/IQ==</mndt_notifyreq>
<enc_key>I5z/K2x1DNxJJW3oJEw++JzaSwYl+ZGYhvMmgeXZ7cL1cSUEd+CIT9mpc/dRPQSeGDp4pgnJYtx7/J+pbin7Wt9V1Ix9pFrpaHOj3upFi4jHzuLxh1vnxzREWrYyx7m1jfgqJfJpk1H0QfaZyqh8KYJ1lI5tHcQQsf8QrdhsCpBxUoDo4
hYQu1vpHuoKypw6teMI1bZFxubWFDe+QCJifZxWcBEProTYKpk6XgOnXR62X3jAUuIIl4MUE9SiziFqQMThhxL0XRqYsrvovHJwFCJEHRA6+ew4pa1fmY1rchp/VCDlkXHCyTc2rGLfeXC2wsORvKJ4MtNInPoXty8T6Q==</enc_key>
</xml>
							

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CN000001</corpid>
<mndt_notify_resp> 2nK57VdsNzeXj229xl7mIKjBEM0xjfutFGkjry7v2IEKUseJ9URgLkbz1z504w3pvv00VDlrvObH+r1G5VUeY8XNvzWF1i1e8WIVKauYeFo2wF3cMRBPZ4ObGqF/KmUykb9hM7Sd5wnz9d/B6
CEzvJh305thMfKH+AYz70IX+BdONzeI3XAOcm0YWr2MMQdj</mndt_notify_resp>
</xml>
							

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CUIIN001</corpid>
<mndt_notifyreq>eyJlbmMiOiJBMjU2R0NNIiwiYWxnIjoiUlNBLU9BRVAtMjU2In0.RyAD2NS_disLVDhk-Ja-2JoMu6SdOMi_E8sIowXRdGP35kOakvTsE8aDcoW3beUfB9UavtXCsyv2vD61J1dDXNP02Qtwoa-JkhXdghLf0TpUgxewayizhJxRrDNcmgTDVw9WL761RDb2RqPuvnkC_iYF4znD9SUZp-DgzL9Ye1CqW9rM9IzhwDS56B4b20e8so9pck0hpMuKF5hE0-lDdsID7UhTTBCeJUE-Uw4feBRAhUGyeUsbWv8b0NX2HxWBu9cVnhirNT4j2yp-tFOfhni8z4C0Z1iHS7Eyo_n8D9xp3JqknaSqRYO3JPtTCRxNVPDQ4jcimm4eRmCzbfdN_g.n_q7WLrjX4pbDUyL.ZifqpUuCKk7wK43Ts453dT0Wcg2H39CYybPTbSUR3IC1zwqc2BZ4Kkf28Tg_zosptBsWvnxIzavix5TmYTk4BXl7tqHXmquTQ7j9f2EQLA1fdR9OJGUgOF0BUs1NKUsR0TGO_4x80f4jpsABdEZZVZHfSUdY2WnZE1zn_3Rtb1xbVVumDRuD3tp_zq8udOWJGv5XZBxyHImK9L3DazwQQcpZjm8bEII9HPuB9s9QRV82OruCKxT7SYF7Msq4DvMpkJdQG4JA_Hqkwx7TclPqBsINTgJT3ONgC5Viubx_4jjZCDjYIZqu0sO9XW3kkTS2Ef16Uw1EUBOIzvy0NRsfvUmRmnh6cMiVC5gxEkJAHAojdas6ajEq0QtoL5KIFh_0Coznc7ykPLpHAC1lCGxeRd7mccdu1yIUQ6nO3Nc-GrXYJMsGhWbHGzXvIpfAi0DbYBM8X0bdPfmKwExoSGa_f_j6KFMUOeOcA33N70qpsUlLPtHRl0BigH0XHQ2SDUoZOVMRNEuonldeIEM9JsBZLLS4kF-l-0VOxaApBVHjZP_c8OAl0_hwbqL1BNRFJZOru80C6cJ26GnZqJO3Rp_4sir_SqeYX2OD1APQgsNmO0Vtowz8LBLO.d4Lr8wKRJEMkgYgIqTWo3;</mndt_notifyreq>
</xml>
							

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CN000001</corpid>
<mndt_notify_resp>eyJlbmMiOiJBMjU2R0NNIiwiYWxnIjoiUlNBLU9BRVAtMjU2In0.RyAD2NS_disLVDhk-Ja-2JoMu6SdOMi_E8sIowXRdGP35kOakvTsE8aDcoW3beUfB9UavtXCsyv2vD61J1dDXNP02Qtwoa-JkhXdghLf0TpUgxewayizhJxRrDNcmgTDVw9WL761RDb2RqPuvnkC_iYF4znD9SUZp-DgzL9Ye1CqW9rM9IzhwDS56B4b20e8so9pck0hpMuKF5hE0-lDdsID7UhTTBCeJUE-Uw4feBRAhUGyeUsbWv8b0NX2HxWBu9cVnhirNT4j2yp-tFOfhni8z4C0Z1iHS7Eyo_n8D9xp3JqknaSqRYO3JPtTCRxNVPDQ4jcimm4eRmCzbfdN_g.n_q7WLrjX4pbDUyL.ZifqpUuCKk7wK43Ts453dT0Wcg2H39CYybPTbSUR3IC1zwqc2BZ4Kkf28Tg_zosptBsWvnxIzavix5TmYTk4BXl7tqHXmquTQ7j9f2EQLA1fdR9OJGUgOF0BUs1NKUsR0TGO_4x80f4jpsABdEZZVZHfSUdY2WnZE1zn_3Rtb1xbVVumDRuD3tp_zq8udOWJGv5XZBxyHImK9L3DazwQQcpZjm8bEII9HPuB9s9QRV82OruCKxT7SYF7Msq4DvMpkJdQG4JA_Hqkwx7TclPqBsINTgJT3ONgC5Viubx_4jjZCDjYIZqu0sO9XW3kkTS2Ef16Uw1EUBOIzvy0NRsfvUmRmnh6cMiVC5gxEkJAHAojdas6ajEq0QtoL5KIFh_0Coznc7ykPLpHAC1lCGxeRd7mccdu1yIUQ6nO3Nc-GrXYJMsGhWbHGzXvIpfAi0DbYBM8X0bdPfmKwExoSGa_f_j6KFMUOeOcA33N70qpsUlLPtHRl0BigH0XHQ2SDUoZOVMRNEuonldeIEM9JsBZLLS4kF-l-0VOxaApBVHjZP_c8OAl0_hwbqL1BNRFJZOru80C6cJ26GnZqJO3Rp_4sir_SqeYX2OD1APQgsNmO0Vtowz8LBLO.d4Lr8wKRJEMkgYgIqTWo3;</mndt_notify_resp>
</xml>
							

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CN000001</corpid>
<query_req>+PUC1/q3BSYPC38PPSIXJPZaQ/lblAlOAf59QpBTH4ba6h4OyxsKaKO2NGHXsSoq1TU0EAfrvw5mQf51MvhABojj1/b/FVcgGX3Zj8/7ZW0Oi2Vic/Em8ZhojTbP+UfUAxqHDzSmB/fI20XHpXFJb9DUGbl7dBfEvuPFMR9Xr24=</query_req>
</xml>
							

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<ack>PASS</ack>
<corpid>CUIMOMO1</corpid>
<query_resp>vYusFLuU5LtOwTU1GOVz58xFvbxnCC3Gw/vk67zzGQe3MW4iE5fsDSmVcCp3CIktHdMTku7Pbdjw1yn3NHAFnbFZSvhKgcbm3DRvYYE2dMUXs1yA4AgU9w252sGWzLNGXBh2qNqG1QoLXKxxFIgg1R/1q4K+txMF+9+FPAL4GGHcu0WvQ5YY6VBMhpFuj5b3dWifFM9G89K/wVox86BUfJ625n4BI5ZTHveMC4TJia/UHLOM4EHvdG7MYwXmsnbjO9FLpUNBFq7b4C4nxN34SoRq0hT2e0xIBNBmFuD63diNvS2tOY5rT0TEFdFn4fFS3nJNyezUjOfqBLmqGsED8yITudi9GN7VXT/5+hKPtSU05FbOm4/NIjH5/Kf5fIhDjn/SqP5ERT1XcI7zSxzcNQ==  AfBeiFGkBluQFPTyk43EQc4xMrIW2HoJT+fx0V+sLSYFjAkvwPp8+ptI+Nl+xXtgKOqcsD1/NiQBEx+GRfJlkv2GM1nZga7rodmJG4XeELhccBhDSYaTkhNZv2dKvlOiSU0wb1K1GJQMPRX0eDbebnir9ZO3Vi2yVbqiPjZPm52hUpV3PpwHaVFgE3qmHJ0+wNEJrDhzZ8hO/c/2lhvLubgJuBKINEQqPne+XPmjrAjc2kHZUeXwN7RhlqgIo5Mipag/p1+Ed+Fk4Q2XZE5J3lzfwEnzLLiQwOyMgzK/rU68zjPO+oFruKo8FcHG/AoisaqDW5qIFEicVNLp7nm25w==</enc_key>
</xml>













							
				
				
						

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CN000001</corpid>
<mandatequery_req>eyJlbmMiOiJBMjU2R0NNIiwiYWxnIjoiUlNBLU9BRVAtMjU2In0.RyAD2NS_disLVDhk-Ja-2JoMu6SdOMi_E8sIowXRdGP35kOakvTsE8aDcoW3beUfB9UavtXCsyv2vD61J1dDXNP02Qtwoa-JkhXdghLf0TpUgxewayizhJxRrDNcmgTDVw9WL761RDb2RqPuvnkC_iYF4znD9SUZp-DgzL9Ye1CqW9rM9IzhwDS56B4b20e8so9pck0hpMuKF5hE0-lDdsID7UhTTBCeJUE-Uw4feBRAhUGyeUsbWv8b0NX2HxWBu9cVnhirNT4j2yp-tFOfhni8z4C0Z1iHS7Eyo_n8D9xp3JqknaSqRYO3JPtTCRxNVPDQ4jcimm4eRmCzbfdN_g.n_q7WLrjX4pbDUyL.ZifqpUuCKk7wK43Ts453dT0Wcg2H39CYybPTbSUR3IC1zwqc2BZ4Kkf28Tg_zosptBsWvnxIzavix5TmYTk4BXl7tqHXmquTQ7j9f2EQLA1fdR9OJGUgOF0BUs1NKUsR0TGO_4x80f4jpsABdEZZVZHfSUdY2WnZE1zn_3Rtb1xbVVumDRuD3tp_zq8udOWJGv5XZBxyHImK9L3DazwQQcpZjm8bEII9HPuB9s9QRV82OruCKxT7SYF7Msq4DvMpkJdQG4JA_Hqkwx7TclPqBsINTgJT3ONgC5Viubx_4jjZCDjYIZqu0sO9XW3kkTS2Ef16Uw1EUBOIzvy0NRsfvUmRmnh6cMiVC5gxEkJAHAojdas6ajEq0QtoL5KIFh_0Coznc7ykPLpHAC1lCGxeRd7mccdu1yIUQ6nO3Nc-GrXYJMsGhWbHGzXvIpfAi0DbYBM8X0bdPfmKwExoSGa_f_j6KFMUOeOcA33N70qpsUlLPtHRl0BigH0XHQ2SDUoZOVMRNEuonldeIEM9JsBZLLS4kF-l-0VOxaApBVHjZP_c8OAl0_hwbqL1BNRFJZOru80C6cJ26GnZqJO3Rp_4sir_SqeYX2OD1APQgsNmO0Vtowz8LBLO.d4Lr8wKRJEMkgYgIqTWo3Q;</mandatequery_req>
</xml>
							

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<ack>PASS</ack>
<corpid>CUIMOMO1</corpid>
<mandatequery_resp>eyJlbmMiOiJBMjU2R0NNIiwiYWxnIjoiUlNBLU9BRVAtMjU2In0.RyAD2NS_disLVDhk-Ja-2JoMu6SdOMi_E8sIowXRdGP35kOakvTsE8aDcoW3beUfB9UavtXCsyv2vD61J1dDXNP02Qtwoa-JkhXdghLf0TpUgxewayizhJxRrDNcmgTDVw9WL761RDb2RqPuvnkC_iYF4znD9SUZp-DgzL9Ye1CqW9rM9IzhwDS56B4b20e8so9pck0hpMuKF5hE0-lDdsID7UhTTBCeJUE-Uw4feBRAhUGyeUsbWv8b0NX2HxWBu9cVnhirNT4j2yp-tFOfhni8z4C0Z1iHS7Eyo_n8D9xp3JqknaSqRYO3JPtTCRxNVPDQ4jcimm4eRmCzbfdN_g.n_q7WLrjX4pbDUyL.ZifqpUuCKk7wK43Ts453dT0Wcg2H39CYybPTbSUR3IC1zwqc2BZ4Kkf28Tg_zosptBsWvnxIzavix5TmYTk4BXl7tqHXmquTQ7j9f2EQLA1fdR9OJGUgOF0BUs1NKUsR0TGO_4x80f4jpsABdEZZVZHfSUdY2WnZE1zn_3Rtb1xbVVumDRuD3tp_zq8udOWJGv5XZBxyHImK9L3DazwQQcpZjm8bEII9HPuB9s9QRV82OruCKxT7SYF7Msq4DvMpkJdQG4JA_Hqkwx7TclPqBsINTgJT3ONgC5Viubx_4jjZCDjYIZqu0sO9XW3kkTS2Ef16Uw1EUBOIzvy0NRsfvUmRmnh6cMiVC5gxEkJAHAojdas6ajEq0QtoL5KIFh_0Coznc7ykPLpHAC1lCGxeRd7mccdu1yIUQ6nO3Nc-GrXYJMsGhWbHGzXvIpfAi0DbYBM8X0bdPfmKwExoSGa_f_j6KFMUOeOcA33N70qpsUlLPtHRl0BigH0XHQ2SDUoZOVMRNEuonldeIEM9JsBZLLS4kF-l-0VOxaApBVHjZP_c8OAl0_hwbqL1BNRFJZOru80C6cJ26GnZqJO3Rp_4sir_SqeYX2OD1APQgsNmO0Vtowz8LBLO.d4Lr8wKRJEMkgYgIqTWo3Q</mandatequery_resp>
</xml>
							
						

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CN000002</corpid>
<refund_req>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</refund_req>
</xml>
						

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<ack>PASS</ack>
<corpid>CN000002</corpid>
<refund_resp>HpBodmPUtt6bBhTK2KAkl01jO6X11Uj6kScr6jBEdNgtoCGsLUPvfT6bl+/L06an/iw0SwduwN0J2MaHYfrfK1n7WNexohDD5Sc9iw4ZEuZWR1krmUmQwFXNgwjmOCFeZzVVW9/+Y1S7Wx+xTxxR7rRSYpUq0/qNxdHEQwhmw0d8kOsEtOeFgK+IibY/9OQZ+BiMPi9DOOChplZFpWKE2ELrNZd4VRYI0GAKseFa0f9uphZ7JfRmGNF7elTWXScyGaiBHsGFWxmzcqvb5aSKPXvGnPAF3wzYT10huM+plPx2/I2yAshGvsXtR2W8VKVeufmPSEJynGLTAUUXmFu9n7FqtbGi4hXYF/39I9W3AzlvsbBQqhHM6Ed2hNBMNnq2</refund_resp>
<enc_key>W5M1G6BDJGlTEgFOcIrdsb3GN/WHjf4A8v5vewXnVwpFJQzfDnGiPVFwIqS3H3bQMrUXvERmWSgaT2vBdU+btvwPQtssFqiiT3c/IGBeLtgEJ9YXmBlf/kacF6MG5tN6ghpg4BKsFT7jB5Cdnrmi+RchtMZxqBO4v0nXxOkHiUif+ooWC8O0HLaEPIluTxCdo9AhJaFj60XW+2YKQnWcAwKSiEf1aWL3P+bjycgS/TUZQbnf/1m1XPl8P9GXm4Kovu+xiLlFLnhS4LZ8W9hisVv1mM6hwV5Kr0rlAuo0Fa8oUbUI26k/rA+8KmymuGFeJLgiFRb3G+CpS5jiqnMGtA==</enc_key>
</xml>
						

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<ack>FAIL</ack>
<ackdesc>Sign Error</ackdesc>
</xml>
							

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CN000002</corpid>
<postauth_req>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</postauth_req>
</xml>
						

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CN000002</corpid>
<postauth_resp>EIT+JOdgtmuwPCEf7aNhIS4RfAC+rgoHRUzFfaOqrXiU/0elJIhlW1CHrStDY/dRHsAk43JQ0Nz0nkt/Q9u/N/7Ro9o3z4PFaJsCvghLp9e/5FFTvyKiJ6PKHhAVnvjTJmZyrSEn9LYACA8k/O9H0AkVg9t/rGgg4RTVRTbBQABask5Ds2ZZcJRud2mseRx68qD4mJypPrvnCSAUQCQpHKjaIFkxMYHmoTK4SXJ+Vu1+ZT/FsBNPbhF7MHVnM8HLlRqqVjuvlFvGRfPa/tP4NfHfTufTfLi+qFgmqluD0d1kxR40sEp/uYYa/f9dG71l</postauth_resp>
<enc_key>dNZJ9ExVM00EIInY9cdwSWNf1vzb0YiTCyUhkzM1nftYB6iWBWD4wj/riBzmjYKLsGq+LWoinTl8PcjXrxj+0Ut6+FL+So5ddiRJBqCGEuyWtfq7Xkz6mtqOZ+IlI5vwx85IHg5R8x8wmsLRu+BYuKFIXkTbaThfePElwkfypUzYIY2Y5udaCku7BNYmfucROEfxGcfcQR4y0/Qwih/IUAbXmMQDrbjH4aege7BvTCz7osnH/VlJHpIbARKxu/MLw80jAGjb23Gvftw54fUI88QVOLGjyBcuygygZwt0DoIp8uYmzZRK4TX5iQYotafp09fPyAR/g7wcCumtVQBYNA==</enc_key>
</xml>
						

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<ack>FAIL</ack>
<ackdesc>Sign Error</ackdesc>
</xml>
							

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<corpid>CN000002</corpid>
<txnrpt_req>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</txnrpt_req>
</xml>
						

								<txn>
<status>CREDITED</status>
<statusdesc>Credited</statusdesc>
<txntype>NEW</txntype>
<amt>47458.95</amt>
<ccy>INR</ccy>
<ctry>IN</ctry>
<ref1>Bala1234</ref1>
<corpref>Bala1234</corpref>
<txnid>9000114698</txnid>
<optxnid>13123599</optxnid>
<psp_id>INBILDSK</psp_id>
<gstamt>3.24</gstamt>
<chrgamt>18</chrgamt>
<netamt>47437.71</netamt>
<totalchrgamt>21.24</totalchrgamt>
<settlementdate>17022023</settlementdate>
<datetime>18012019141323</datetime>
</txn>
						

								<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xml>
<ack>PASS</ack>
<corpid>CN000002</corpid>
<apiref>9999999991</apiref>
<datetime>18012019141904</datetime>
<txnrpt_resp>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</txnrpt_resp>
<enc_key>F/kYBr1xfhyKIm5seGtabcp20iex2QfCdKEJ+OFn0woPIPk8boLKfqBC53Kojh8NYETgKEOc612OozzJS5KFxVxFJJn/HlWTMloRxfCB825bpYK/cujEw1zBVAxPlQR83U0LDq+0RZljwGMz6++vBHgN6dFl0Jfw0giBhTus3V9+BI6zbeR6gkJZDAI35ztJ8bxaFwNYiLAK2ID8npBQtmFzATbBvFlchule1NN499FV7mf5eKefgB/E3Qchv4SkSGAeXBSOo07KTUEKPkOSpc70gXqBg+cQ/3KxBhCVP/sSDpwVWmQHA1JRTKnrEZteXp0PPpnmxeVXcWeDMqgijQ==</enc_key>
</xml>
						

								{"corpid":"CN000002","pspid":"MYFPXB2C","datetime":"14052022093000"}
						

								{"corpid":"CN000002",
 "pspid":"MYFPXB2C",
 "datetime":"14052022093000",
 "banklist":[{"bankcode":"ABB0233","bankname":"Affin Bank", "status":"active"},
	    {"bankcode":"AMBB0209","bankname":"AmBank", "status":"inactive"}]
}
						

								{"corpid":"CN000002","subcorpid":"SG687687","subcorpname":"ABC Private Limited","shortname":"ABC","subcorpidproxy":"AAA","country":"SG","mcc":"1234","pspid":"SGPAYNOW","bizregnum":"67597697X","remark":"Sample Payload","datetime":"12102022120000"}
						

								{"corpid":"CN000002","subcorpid":"SG687687","subcorpname":"ABC Private Limited","subcorpidproxy":"AAA","country":"SG","pspid":"SGPAYNOW","deleteflag":"N","status":"ACCEPTED","datetime":"12102022120000"}
						

								{"corpid":"CN000002","subcorpid":"SG687687","datetime":"12102022120000"}
						

								{"corpid":"CN000002","subcorpid":"SG687687","subcorpname":"ABC Private Limited","subcorpidproxy":"AAA","country":"SG","pspid":"SGPAYNOW","proxy":"SG000002SG6787687","regid":"779324636295","accnum":"0100584918","diplayname":"ABC Private Limited Singapore","deleteflag":"N","status":"ACCEPTED","datetime":"12102022120000"}