Overview

This API is used to indicate that payment is received for a bill. API response is sent from a COU (Front end channels like GooglePay, Phonepe, Paytm etc) through NPCI to the Biller, to notify that a bill has been paid.

This API is used to indicate that payment is received for given details.

3 cases are to be handled :

1. Successful posting
2. Failure
3. Duplicate Payment

Request

{
  "loan_number": "123456789",
  "amountPaid": "1290.20",
  "transactionId": "AX09812J812", // BBPS Transaction Reference ID
  "paymentMode": "UPI", // optional
  "paymentDate": "2021-07-17", // optional
  "billNumber": "TUVW1234"
  // any other information required for successful posting
}

Note: Any other details that are required in this API need to be present as part of the Fetch API.

Successful Posting

{
  "status": "SUCCESS",
  "acknowledgementId": "1AJI1344"
}

Failure

{
  "status": "FAILURE",
  "acknowledgementId": ""
}

Duplicate Payment

When payment had been posted successfully but we got a Failure response for some reason from the API and retry this payment again.

{
  "status": "DUPLICATE",
  "acknowledgementId": ""
}

Difference between Failure and Duplicate is maintained since in case of Failure Axis or even Setu will retry payment in batches until it is accepted. Whereas in case of Duplicate there are no retries.

Duplicacy check can be added on the basis of the BBPS Transaction Reference ID.