Transfer Auto Flow
Note
We recommend you use this endpoint to initiate a payment. It works exactly as
Create Transfer
endpoint, but abstracts all the custom processing business logic and validations required, to make process as simple as possible.
Method is used to initiate a new payment from one account to another account. It is identical to Create Transfer
endpoint but in this case all the bank required validations and custom processes are handled on the API side.
The result of successfully performed operation is a new transaction registered on users bank account.
Pre-Requirement
You have obtained user's permanent access token from
Exchange Token
endpointTo read more about authentication process and access token please refer to Authentication Documentation
Note
Method does not require specification of the currency in which transaction must be performed. API automatically performs the payment in the currency of user account specified in
senderID
Request
https://api.dapi.com/v2/payment/transfer/autoflow
Headers
Parameter | Type | Description |
---|---|---|
Authorization |
| Set type to bearer token and the value to the accessToken obtained using the Exchange Token request. |
Body Parameters
Note
Please note that only difference from
Create Transfer
endpoint, is that this method does not require specification ofreceiverID
. If required it will be automatically generated by the API.
Parameter | Type | Description |
---|---|---|
appSecret |
| Private token generated at application creation. |
userSecret |
| Returned when user authenticates in Dapi system using Connect layer |
beneficiary |
| Details of amount receiver. See description of the object further in the document. |
amount |
| Amount of money to be sent. Must be number rounded to up to 2 decimal points. |
senderID |
| An identifier for the bank account the user will send money from. Obtained from the Account - GetAccounts endpoint. |
remark |
| A message associated with the transfer. |
Beneficiaries schema
Parameter | Type | Description |
---|---|---|
name |
| Name of the beneficiary. |
nickname |
| Nickname of the beneficiary. |
accountNumber |
| Account number of the beneficiary. |
type |
| Type of beneficiary. Can be set to same if the beneficiary's bank is the same as the sender's, local if the beneficiary's bank is in the same country, or intl if the beneficiary's bank is in a different country. |
address |
| An object containing the address information of the beneficiary. |
country |
| Name of the country in all uppercase letters (e.g. “AE”). |
sortCode |
| Financial institution’s sort code. |
branchAddress |
| Address of the financial institution’s specific branch. |
bankName |
| Name of the financial institution. |
branchName |
| Name of the financial institution’s specific branch. |
phoneNumber |
| Beneficiary's phone number. |
iban |
| Beneficiary's IBAN number. |
swiftCode |
| Beneficiary's financial institution's SWIFT code. |
email |
| Only required for Local transfers in Canada |
branchCode |
| Only required for Same bank transfers in Candata |
addresses |
| Specify which webhook URL(s) defined in app settings to send data to. If empty, an update will be sent to all defined webhook URL(s). |
Address schema
Parameter | Type | Description |
---|---|---|
line1 |
| Street name and number. Note: value should not contain any commas or special characters. |
line2 |
| City name. Note: value should not contain any commas or special characters. |
line3 |
| Country name. Note: value should not contain any commas or special characters. |
Request Example
{
"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
"userSecret": "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",
"amount": 1,
"senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
"beneficiary": {
"name": "John Doe",
"nickname": "John Doe ENBD",
"address": {
"line1": "Baker Street",
"line2": "Abu Dhabi",
"line3": "United Arab Emirates"
},
"country": "AE",
"branchAddress": "Deira",
"branchName": "Main Branch",
"swiftCode": "FGBMAEAA",
"iban": "AE770351001004432453627",
"accountNumber": "1001004437564656",
"bankName": "ENBD"
}
}
Response
Note
Your responses may differ from those listed below on a case-by-case basis.
Parameter | Type | Description |
---|---|---|
operationID |
| Unique ID generated to identify a specific operation. |
success |
| Returns |
status |
| The status of the job. For further explanation see Job Status
|
reference |
| A reference number for the transfer as provided by the financial institution. Is only returned if the transaction was completed successfully (status is |
userInputs |
| Specifies the type of further information required from the user before the job can be completed. |
userInputs Object
Parameter | Type | Description |
---|---|---|
id |
| Type of input required. Can be one of the following:
|
index |
| |
query |
| Textual description of what is required from the user side |
answer |
| User input that must be submitted. In the response it will always be empty. |
"userInputs": [
{
"id": "otp",
"index": 0,
"query": "Please enter the One Time Password sent to your registered mobile number"
}
For more information on handling user input, please see User Inputs.
Response Example
{
"operationID": "74521eb4-34e3-4b49-9161-0edfe4683be7",
"success": true,
"status": "done",
"reference": "119421587"
}
Successful Request / Response - For Banks That Require Beneficiary
Request - For Banks That Require Beneficiary
{
"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
"userSecret": "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",
"amount": 1,
"senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
"beneficiary": {
"name": "John Doe",
"nickname": "John Doe ENBD",
"address": {
"line1": "Baker Street",
"line2": "Abu Dhabi",
"line3": "United Arab Emirates"
},
"country": "AE",
"branchAddress": "Deira",
"branchName": "Main Branch",
"swiftCode": "FGBMAEAA",
"iban": "AE770351001004432453627",
"accountNumber": "1001004437564656",
"bankName": "ENBD"
}
}
Response - For Banks That Require Beneficiary
{
"operationID": "74521eb4-34e3-4b49-9161-0edfe4683be7",
"success": true,
"status": "done",
"reference": "119421587"
}
Request / Response - When User Input Is Required
Request - When User Input Is Required
{
"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
"userSecret": "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",
"amount":1,
"senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
}
Response - When User Input Is Required
{
"operationID": "32d05c2e-e1c3-458c-a59f-209488629f16",
"success": true,
"status": "user_input_required",
"userInputs": [
{
"answer": "",
"id": "otp",
"index": 0,
"query": "Please enter a Smart Pass Token from your ENBD mobile application"
}
]
}
For more information on handling user input, please see User Inputs.
Failed Request/Response - Missing Mandatory Parameters
Request - Missing Mandatory Parameters
{
"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
"userSecret": "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",
"senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw=="
}
Response - Missing Mandatory Parameters
{
"success": false,
"status": "failed",
"msg": "Missing params: amount.",
"type": "PARAMETER_MISSING",
"operationID": "b0313795-f5f4-44f6-819a-24630f847aba"
}
Failed Request/Response - Invalid SenderID Specified
Failed Request - Invalid SenderID Specified
{
"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
"userSecret": "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",
"senderID": "invalid_sender_id",
"amount": 1
}
Why invalid senderID ?
If you think you are passing a correct
senderID
into the request, but the request keeps failing. This is an indicator that you should callgetAccounts
endpoint again in order to retrieve up to date accountIDs to use as senderIDs
Failed Response - Invalid SenderID
{
"operationID": "EBILAEAD_L:6b859dba-8ea1-43fc-b913-f9c3ed5039a8",
"msg": "Account ID is invalid.",
"type": "INVALID_ACCOUNT_ID",
"success": false,
"status": "failed"
}
Failed Request/Response - Invalid Token Specified
Request - Invalid Token Specified
{
"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
"userSecret": "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",
"amount": 1,
"senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
"beneficiary": {
"name": "John Doe",
"nickname": "John Doe ENBD",
"address": {
"line1": "Baker Street",
"line2": "Abu Dhabi",
"line3": "United Arab Emirates"
},
"country": "AE",
"branchAddress": "Deira",
"branchName": "Main Branch",
"swiftCode": "FGBMAEAA",
"iban": "AE770351001004432453627",
"accountNumber": "1001004437564656",
"bankName": "ENBD"
}
}
Response - Invalid Token Specified
{
"success": false,
"status": "failed",
"msg": "Invalid/expired token or invalid secret"
}
Failed Request / Response - Token Is Not Passed
Request - - Token Is Not Passed
{
"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
"userSecret": "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",
"amount": 1,
"senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
"beneficiary": {
"name": "John Doe",
"nickname": "John Doe ENBD",
"address": {
"line1": "Baker Street",
"line2": "Abu Dhabi",
"line3": "United Arab Emirates"
},
"country": "AE",
"branchAddress": "Deira",
"branchName": "Main Branch",
"swiftCode": "FGBMAEAA",
"iban": "AE770351001004432453627",
"accountNumber": "1001004437564656",
"bankName": "ENBD"
}
}
Response - - Token Is Not Passed
{
"success": false,
"status": "failed",
"msg": "The 'jwt' field is required.",
"type": "VALIDATION_ERROR"
}
Note
For more information and detailed breakdown of possible errors, please see Errors.
Updated about 3 hours ago