Deposit Amount On Wallet Using Create Transfer

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Pre-Conditions
You have obtained user's permanent access token from Exchange Token endpoint. To see step by step guide of how to obtain user token please read Obtain an Access Token or Authentication

Process Overview

📘
Note
API might require user input at any step of the process. In other words, any request in the transaction initiation flow, could require user input to continue

How to process transaction using Dapi API depends on the bank of the sender. There can be 3 possible scenarios:

Bank requires receiver to be registered as a Beneficiary
Bank required receiver to be registered as a Beneficiary and additionally requires Beneficiaries details for the first transaction
Bank does not require beneficiary to perform a transaction

📘
Note
Some of the banks have cool-down periods when new beneficiary is added. Until the cool-down period is over, you will not be able to make a deposit on that beneficiary

Obtaining Sender's Bank Requirements

The bank of the sender and its requirements can be obtained from Metadata endpoint of the API. It returns details of the bank, along with its requirements

Request To Obtain Metadata

{
	"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
	"userSecret": "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",
	"sync": true
}

Bank Metadata

Metadata contains details of the bank along with its requirements. Its important to manage following parameters of the response:

transferBounds - Defines minimum amount requirements for transaction
beneficiaryCoolDownPeriod - Defines whether bank has cool-down period. It can be identified by value parameter of the object:
- 0 - Bank has no cool-down period
- Greater than 0 - Bank has cool-down period
isCreateBeneficiaryEndpointRequired - defines whether creation of beneficiary is required to create a transfer.
- true - Beneficiary is required
- false - Beneficiary is not required

You can find example of Metadata response below:

"jobID": "1b8333c3-1823-4086-a3b0-3bc637601514",
  "success": true,
  "status": "done",
  "accountsMetadata": {
    "swiftCode": "DAPIBANK",
    "sortCode": null,
    "bankName": "DAPI Sandbox Bank",
    "branchName": "dapi CA",
    "branchAddress": "san francisco, ca, usa",
    "address": {
      "line1": "6c marasi drive",
      "line2": "new york",
      "line3": "united states of america"
    },
    "transferBounds": [
      {
        "minimum": 1,
        "currency": {
          "code": "USD",
          "name": "US DOLLAR"
        },
        "type": "same"
      },
      {
        "minimum": 1,
        "currency": {
          "code": "USD",
          "name": "US DOLLAR"
        },
        "type": "local"
      }
    ],
    "beneficiaryCoolDownPeriod": {
      "value": 0,
      "unit": "hrs"
    },
    "isCreateBeneficiaryEndpointRequired": true,
    "willNewlyAddedBeneficiaryExistBeforeCoolDownPeriod": true,
    "country": {
      "code": "US",
      "name": "UNITED STATES OF AMERICA"
    },
    "transactionRange": {
      "unit": "days",
      "value": 30
    }
  }
}

Checking If Account Is Registered As beneficiary

📘
Note
This step is only required if user's bank requires beneficiary to make a deposit. If not this step can be skipped

Wether or not Wallets account is already registered as a beneficiary can be checked by retrieving list of all the existing beneficiaries of the user.

Request To Obtain Users Beneficiaries

curl --request POST \
  --url https://api.dapi.co/v1//payment/beneficiaries/get \
  --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.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.pfJF-7haCN0i0TSVOcb8xhp86DUjbCvuPIF4Kh6svFg' \
  --header 'Content-Type: application/json' \
  --data '{
	"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
	"userSecret": "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",
	"sync": true
}'

{
	"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
	"userSecret": "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",
	"sync": true
}

List Of User Beneficiaries

To check whether or not account is already registered as beneficiary for the user, you will have to parse the response returned by the endpoint and identify wallet account.

You can find example of the response below:

{
  "jobID": "a129f072-bcf8-45c0-958d-6a8ed905e4a6",
  "success": true,
  "status": "done",
  "beneficiaries": [
    {
      "name": "John Doe",
      "accountNumber": "0201555555893",
      "type": "same",
      "status": "approved",
      "id": "kSSWuq7RXww1VZpvF05KBfeiQxr8nb/uHQ35ZqSmhnp2gVoqZ7+DCnI/zRLzcg32myS/e8BLPhMJaT7mJ3z9Uw=="
    }
  ]
}

Registering New Beneficiary

📘
Note
This step is only required if bank required beneficiary to initiate a transaction and receivers bank account is not added as beneficiary for the user making a deposit

If beneficiary needs to be registered, this can be done using CreateBeneficiary endpoint.

Request To Register Beneficiary

{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "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",
    "sync": true,
    "type": "local",
    "swiftCode": "NBSHAEAS",
    "sortCode": " 123456",
    "bankName": "Sharjah Islamic Bank",
    "name": "AbdulRahman Darooqi Farooqiii",
    "iban": "AE360410000033417426040",
    "accountNumber": "",
    "country": "UNITED ARAB EMIRATES",
    "branchName": "American university of sharjah",
    "branchAddress": "AUS",
    "address": {
        "line1": "AUS",
        "line2": "University City",
        "line3": "Sharjah"
    }
}

curl --request POST \
  --url https://api.dapi.co/v1//payment/beneficiaries/create \
  --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.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.pfJF-7haCN0i0TSVOcb8xhp86DUjbCvuPIF4Kh6svFg' \
  --header 'Content-Type: application/json' \
  --data '
{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "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",
    "sync": true,
    "type": "local",
    "swiftCode": "NBSHAEAS",
    "sortCode": " 123456",
    "bankName": "Sharjah Islamic Bank",
    "name": "AbdulRahman Darooqi Farooqiii",
    "iban": "AE360410000033417426040",
    "accountNumber": "",
    "country": "UNITED ARAB EMIRATES",
    "branchName": "American university of sharjah",
    "branchAddress": "AUS",
    "address": {
        "line1": "AUS",
        "line2": "University City",
        "line3": "Sharjah"
    }
}'

Successful Beneficiary Registration

If beneficiary has been successfully created, you will get following response

{
    "jobID": "74521eb4-34e3-4b49-9161-0edfe4683be7",
    "success": true,
    "status": "done",
    "reference": "119421587"
}