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By creating an Application, you bring Account Holders onto Fusion. The process of creating an Application is analogous to that of opening a bank account in real life.

A person or entity who is permitted to conduct transactions on behalf of an account is known as an account holder. He is the account’s proprietor. Any VBO will be able to create an application for the creation of an account holder, which will then proceed through the issuer’s application lifecycle, with the application accepted i.e account holder being provisoned or the application being rejected as the end result.

The steps in the Creating Application procedure are as follows:

  1. Create an application within the provided spool.

Spool has the details of what kind of a relationship will be formed if an application is approved. Or what kind of details might be required to fill the application. Spool will also specify the workflow by which the application will be processed.

  1. Add relevant sections and mark an application COMPLETED.
  2. Approve the completed application and send it to the Issuer. Issuer reviews and confirms to onboard an Account Holder.
  3. The Account holder will be created as a real Account holder. A Real Account Holder, also known as an Individual, uses fintech-created banking products on Fusion.

Before you begin

Keep the following points in mind before making calls to Fusion APIs:

  1. Endpoint URI: To ensure data privacy and security, all Fusion APIs are served over HTTPS and use the common URI https://fusion.preprod.zeta.in/
  2. Authentication: Before testing any endpoint using the cURL sample provided, replace {{AUTH_TOKEN}} with the X-Zeta-AuthToken provided by Zeta.
  3. A unique identifier (ifiID) 140793 is assigned to fintech for this tutorial.
  4. Vector: These are unique identifiers used to identify an Account Holder. Example: phone, email.

Check if Account Holder Already Exist

An Account Holder with a unique identifier is created on Fusion. Call the Get account holder API to see if the account holder already exists for a given vector.

Request parameters

Response parameters

cURL Sample
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curl --location --request GET 'https://fusion.preprod.zeta.in/api/v1/ifi/140793/individualByVector/p/+919818416528' \
--header 'Content-Type: application/json' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'Cookie: 
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JSON Sample
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{
    "requestID": "93334bdb-c498-4473-bb04-d023f042cfad",
    "id": "ac0790b2-8dfd-478a-8f82-64bc54936b25",
    "ifiID": 140793,
    "accountHolderProviderID": "a11aad62-db13-48dd-bc36-fb969a0eae9c",
    "vectors": [
        {
            "id": "27aa6a38-ee78-4960-a315-30ef28b50c54",
            "accountHolderID": "ac0790b2-8dfd-478a-8f82-64bc54936b25",
            "ifiID": 140793,
            "status": "ENABLED",
            "type": "p",
            "value": "+919818416528",
            "verified": true,
            "createdAt": "Apr 9, 2021 9:59:56 AM",
            "updatedAt": "Apr 9, 2021 9:59:56 AM",
            "headers": {}
        }
    ],
    "type": "REAL",
    "status": "ENABLED",
    "KYCStatus": {
        "ifiID": 140793,
        "kycStatus": "AADHAAR_XML",
        "updateTime": {
            "date": {
                "year": 2021,
                "month": 4,
                "day": 9
            },
            "time": {
                "hour": 10,
                "minute": 1,
                "second": 48,
                "nano": 369025000
            }
        },
        "expiryTime": {
            "date": {
                "year": 2022,
                "month": 4,
                "day": 9
            },
            "time": {
                "hour": 10,
                "minute": 1,
                "second": 48,
                "nano": 0
            }
        },
        "kycStatusPostExpiry": "MINIMAL",
        "attributes": {
            "kycType": "MINIMAL",
            "authType": "AADHAAR"
        }
    },
    "firstName": "Aparna",
    "middleName": "",
    "lastName": "",
    "dob": "Nov 21, 1992",
    "gender": "",
    "mothersMaidenName": "",
    "pops": [],
    "createdAt": {
        "date": {
            "year": 2021,
            "month": 4,
            "day": 9
        },
        "time": {
            "hour": 9,
            "minute": 59,
            "second": 56,
            "nano": 94461000
        }
    },
    "updatedAt": {
        "date": {
            "year": 2021,
            "month": 4,
            "day": 9
        },
        "time": {
            "hour": 10,
            "minute": 1,
            "second": 48,
            "nano": 346522000
        }
    }
}
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Create application

In order to create an application for the defined spool, Create Application API call will be used and application can be created by both issuer and VBO. An application is a request by the applicant for making a connection with the issuer so as to avail the various offerings that issuer has to offer.

In addition, the application will include other details that the issuer may require prior to making that partnership.

The following details need to be input in order to create the application

  1. Pass the spoolID.
  2. Change the requestId
  3. Update Personal details .

Request parameters

Response parameters

If the fintech wants to receive the notification every time an application completed event is published, webhooks can be configured.

cURL Sample
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curl --location --request POST 'https://cosmos-ahp.preprod.zeta.in/api/v1/ifi/140793/spool/12b66d97-c5c5-4a38-b896-b1790a6a6845/application' \
--header 'Content-Type: application/json' \
--header 'X-Zeta-AuthToken: {{token}}' \
--data-raw '{
   "requestId": "instagift-1612bn949670949-abcdefg120702",
   "sections": {
      "Personal": {
         "type": "CreateRealAccountHolder",
         "name": "Personal",
         "details": {
            "PersonalDetails": {
               "status": "ENABLED",
               "firstName": "Aparna",
               "lastName": "",
               "individualType": "REAL",
               "applicationType": "CREATE_ACCOUNT_HOLDER"
            }
         }
      },
      "Vectors": {
         "type": "CreateRealAccountHolder",
         "name": "Vectors",
         "details": {
            "VectorDetails": [
               {
                  "type": "p",
                  "value": "+919818416528",
                  "isVerified": true
               }
            ]
         }
      }
   },
   "vectors": [
      {
         "type": "p",
         "value": "+919818416528",
         "attributes": {}
      }
   ]
}
'
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JSON Sample
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{
    "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
    "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
    "ifiId": 140793,
    "requestId": "instagift-1612bn949670949-abcdefg120702",
    "status": "DATA_CAPTURE_INITIATED",
    "sections": {
        "Personal": {
            "sectionId": "9bbde556-c049-4d53-a881-3ec8b7f3213f",
            "ifiId": 140793,
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "name": "Personal",
            "type": "CreateRealAccountHolder",
            "details": {
                "PersonalDetails": {
                    "status": "ENABLED",
                    "lastName": "",
                    "firstName": "Aparna",
                    "individualType": "REAL",
                    "applicationType": "CREATE_ACCOUNT_HOLDER"
                }
            },
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        },
        "Vectors": {
            "sectionId": "ba242aff-fe9c-42fe-81d2-c538bde96d15",
            "ifiId": 140793,
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "name": "Vectors",
            "type": "CreateRealAccountHolder",
            "details": {
                "VectorDetails": [
                    {
                        "type": "p",
                        "value": "+919818416528",
                        "isVerified": true
                    }
                ]
            },
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        }
    },
    "vectors": [
        {
            "vectorId": "6e8a4fee-5f6d-49b1-a1e5-642226589804",
            "ifiId": 140793,
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "type": "p",
            "value": "+919818416528",
            "status": "ENABLED",
            "attributes": {},
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        }
    ],
    "stages": [
        {
            "stageId": "2d726730-58fc-41ce-8456-f7f1a01ccaba",
            "ifiId": 140793,
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "ASSESSMENT",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        },
        {
            "stageId": "ad8fa02e-6fc2-413a-9ccc-2611ea83b48a",
            "ifiId": 140793,
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "DATA_CAPTURE",
            "status": "INITIATED",
            "details": {},
            "result": {
                "validationPassed": {
                    "validation": "successful"
                }
            },
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:57.153+05:30"
        },
        {
            "stageId": "558245fc-cf79-457d-a6b5-71838537cfc6",
            "ifiId": 140793,
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "ENRICHMENT",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        },
        {
            "stageId": "d5f0d23c-fc51-4b77-a847-6160533c7fa1",
            "ifiId": 140793,
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "PROVISIONING",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        },
        {
            "stageId": "4c8caae5-006e-47cc-b7e1-2671006db2d1",
            "ifiId": 140793,
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "REVIEW",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        }
    ],
    "tags": [
        {
            "type": "spool-id",
            "value": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "attributes": {}
        },
        {
            "type": "vbo-id",
            "value": "26c28ca6-4202-464c-9806-b788989762d4",
            "attributes": {}
        }
    ],
    "createdAt": "2021-07-12T15:07:56.986+05:30",
    "updatedAt": "2021-07-12T15:07:57.103+05:30"
}
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Marking application as complete

Once the application is created, it is mandatory to mark the application as complete. When you mark data collection as complete, the state of the application changes to ENRICHMENT INITIATED.

Note - After this use the Get account holder API to check the account holder details

Request parameters

Response parameters

cURL Sample
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curl --location --request POST 'https://cosmos-ahp.preprod.zeta.in/api/v1/ifi/140793/spool/12b66d97-c5c5-4a38-b896-b1790a6a6845/application/998e0a82-c071-41a0-bec5-f3656805b70d/stage/DATA_CAPTURE/complete' \
--header 'Content-Type: application/json' \
--header 'X-Zeta-AuthToken: {{token}}
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JSON Sample
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{
    "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
    "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
    "ifiId": 140793,
    "requestId": "instagift-1612bn949670949-abcdefg120702",
    "status": "ENRICHMENT_INITIATED",
    "sections": {
        "Personal": {
            "sectionId": "9bbde556-c049-4d53-a881-3ec8b7f3213f",
            "ifiId": 140793,
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "name": "Personal",
            "type": "CreateRealAccountHolder",
            "details": {
                "PersonalDetails": {
                    "status": "ENABLED",
                    "lastName": "",
                    "firstName": "Aparna",
                    "individualType": "REAL",
                    "applicationType": "CREATE_ACCOUNT_HOLDER"
                }
            },
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        },
        "Vectors": {
            "sectionId": "ba242aff-fe9c-42fe-81d2-c538bde96d15",
            "ifiId": 140793,
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "name": "Vectors",
            "type": "CreateRealAccountHolder",
            "details": {
                "VectorDetails": [
                    {
                        "type": "p",
                        "value": "+919818416528",
                        "isVerified": true
                    }
                ]
            },
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        }
    },
    "vectors": [
        {
            "vectorId": "6e8a4fee-5f6d-49b1-a1e5-642226589804",
            "ifiId": 140793,
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "type": "p",
            "value": "+919818416528",
            "status": "ENABLED",
            "attributes": {},
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        }
    ],
    "stages": [
        {
            "stageId": "2d726730-58fc-41ce-8456-f7f1a01ccaba",
            "ifiId": 140793,
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "ASSESSMENT",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        },
        {
            "stageId": "ad8fa02e-6fc2-413a-9ccc-2611ea83b48a",
            "ifiId": 140793,
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "DATA_CAPTURE",
            "status": "COMPLETED",
            "details": {},
            "result": {
                "validationPassed": {
                    "validation": "successful"
                }
            },
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:09:34.786+05:30"
        },
        {
            "stageId": "558245fc-cf79-457d-a6b5-71838537cfc6",
            "ifiId": 140793,
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "ENRICHMENT",
            "status": "INITIATED",
            "details": {},
            "result": {
                "validationPassed": {
                    "validation": "successful"
                }
            },
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:09:35.040+05:30"
        },
        {
            "stageId": "d5f0d23c-fc51-4b77-a847-6160533c7fa1",
            "ifiId": 140793,
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "PROVISIONING",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        },
        {
            "stageId": "4c8caae5-006e-47cc-b7e1-2671006db2d1",
            "ifiId": 140793,
            "applicationId": "998e0a82-c071-41a0-bec5-f3656805b70d",
            "spoolId": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "name": "REVIEW",
            "status": "NOT_INITIATED",
            "details": {},
            "result": {},
            "createdAt": "2021-07-12T15:07:56.986+05:30",
            "updatedAt": "2021-07-12T15:07:56.986+05:30"
        }
    ],
    "tags": [
        {
            "type": "spool-id",
            "value": "12b66d97-c5c5-4a38-b896-b1790a6a6845",
            "attributes": {}
        },
        {
            "type": "vbo-id",
            "value": "26c28ca6-4202-464c-9806-b788989762d4",
            "attributes": {}
        }
    ],
    "createdAt": "2021-07-12T15:07:56.986+05:30",
    "updatedAt": "2021-07-12T15:09:34.828+05:30"
}
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Get bundle

Get Bundle API will be used in order to get Payment product related details which will be further used to issue payment instruments.

Request parameters

Response parameters

cURL Sample
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curl --location --request GET 'https://fusion.preprod.zeta.in/api/v1/ifi/140793/bundles/df14e2e6-e76e-4b2e-9417-514e4a114eda' \
--header 'Content-Type: application/json' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'Cookie: 
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JSON Sample
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{
    "id": "df14e2e6-e76e-4b2e-9417-514e4a114eda",
    "ifiID": 140793,
    "vboID": "26c28ca6-4202-464c-9806-b788989762d4",
    "name": "EBIX VBO Payment Bundle",
    "accountProducts": [],
    "paymentProducts": [
        {
            "id": "291bafca-065e-49ef-934f-e198eb1e195a",
            "productName": "PAYMENT_PRODUCT_EBIX",
            "description": "PAYMENT_PRODUCT_EBIX",
            "productID": "9dca23d0-aef9-4de9-8df0-0aaa63093e54",
            "type": "PAYMENT",
            "programIDs": "",
            "ifiID": 140793,
            "attributes": {}
        }
    ],
    "status": "active",
    "attributes": {},
    "createdAt": "Nov 5, 2020 5:23:49 PM",
    "updatedAt": "Nov 5, 2020 5:23:49 PM",
    "shortCode": "BUNIN0511"
}
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Issue payment product

Issue payment product API can be used to generate single or multiple payment products. The payment product id that needs to be used is fetched from the Get bundle API call. Here , we need to keep the disable formfactor creation flag as true. As a result of which, a resource id will be generated with only phone formfactor products.

Request parameters

Response parameters

cURL Sample
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curl --location --request POST 'https://fusion.preprod.zeta.in/api/v1/ifi/140793/bundles/df14e2e6-e76e-4b2e-9417-514e4a114eda/issuePaymentProducts' \
--header 'Content-Type: application/json' \
--header 'Postman-Token: f23355e1-93e6-466a-80c8-0baf6158028c' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'cache-control: no-cache' \
--header 'Cookie: 
--data-raw '{
    "requestID": "issue_payment_product_ebix120702",
    "accountHolderID": "ac0790b2-8dfd-478a-8f82-64bc54936b25",
    "issuePaymentProductRequests": [
        {
            "paymentProductID": "291bafca-065e-49ef-934f-e198eb1e195a",
            "phoneNumber": "+919818416528",
"disableCardFFCreation":true,
            "attributes": {}
        }
    ]
}
'
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JSON Sample
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[
    {
        "bundleID": "df14e2e6-e76e-4b2e-9417-514e4a114eda",
        "resourceID": "8dbf4d5a-1e10-4fc8-8625-6e4da330bdd5",
        "targetUri": "account://null",
        "status": "ACTIVE"
    }
]
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Get resource

After the issuance of a payment product, a resource id is created. Since the formfactor creation is disabled, user will be able to get details of phone formfactor only.

Request parameters

Response parameters

cURL Sample
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curl --location --request GET 'https://fusion.preprod.zeta.in/api/v1/ifi/140793/resources/8dbf4d5a-1e10-4fc8-8625-6e4da330bdd5' \
--header 'Content-Type: application/json' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'Cookie: 
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JSON Sample
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{
    "ifi": 140793,
    "id": "8dbf4d5a-1e10-4fc8-8625-6e4da330bdd5",
    "resourceProductId": "18453d87-d25d-4a40-b08f-9d0bc83e4e9c",
    "resourceProduct": {
        "ifi": 140793,
        "id": "18453d87-d25d-4a40-b08f-9d0bc83e4e9c",
        "code": "RESOURCE_PRODUCT_EBIX",
        "name": "RESOURCE_PRODUCT_EBIX",
        "description": "RESOURCE_PRODUCT_EBIX",
        "formFactorProducts": [
            {
                "ifi": 140793,
                "id": "9c99ffdf-9adc-4263-a282-fb37a38dae22",
                "code": "PMS_EBIX",
                "name": "PMS_EBIX",
                "description": "PMS_EBIX",
                "type": "phoneNumber",
                "policies": {
                    "issuancePolicies": [],
                    "paymentPolicies": []
                },
                "provider": "PMS",
                "skuID": "RUPAY_60827122_PHYSICAL_EBIX",
                "tags": [
                    "tag://vbo/26c28ca6-4202-464c-9806-b788989762d4"
                ],
                "attributes": {},
                "issuanceStatus": "ACTIVE",
                "paymentStatus": "ACTIVE",
                "createdAt": "Oct 12, 2020 1:33:46 PM",
                "modifiedAt": "Oct 12, 2020 1:33:46 PM",
                "headers": {
                    "tenantID": "140793",
                    "object": "140793@tenant.zeta.in"
                }
            },
            {
                "ifi": 140793,
                "id": "aa59c220-2173-4244-92fd-2f7fee17bea5",
                "code": "CMS_EBIX",
                "name": "CMS_EBIX",
                "description": "CMS_EBIX",
                "type": "card",
                "policies": {
                    "issuancePolicies": [],
                    "paymentPolicies": []
                },
                "provider": "CMS",
                "skuID": "RUPAY_60827122_PHYSICAL_EBIX",
                "tags": [
                    "tag://vbo/26c28ca6-4202-464c-9806-b788989762d4"
                ],
                "attributes": {},
                "issuanceStatus": "ACTIVE",
                "paymentStatus": "ACTIVE",
                "createdAt": "Oct 12, 2020 1:31:23 PM",
                "modifiedAt": "Oct 12, 2020 1:31:23 PM",
                "headers": {
                    "tenantID": "140793",
                    "object": "140793@tenant.zeta.in"
                }
            }
        ],
        "tags": [
            "tag://vbo/26c28ca6-4202-464c-9806-b788989762d4"
        ],
        "policies": {
            "issuancePolicies": [],
            "paymentPolicies": []
        },
        "status": "ACTIVE",
        "createdAt": "Oct 12, 2020 1:35:14 PM",
        "modifiedAt": "Oct 12, 2020 1:35:14 PM",
        "headers": {}
    },
    "targetURI": "account://null",
    "formFactors": [
        {
            "id": "42f029d8-aab9-4410-b323-da0fdbdf93cf",
            "ifi": 140793,
            "formFactorProductID": "9c99ffdf-9adc-4263-a282-fb37a38dae22",
            "formFactorID": "+919818416528",
            "targetURI": "account://null",
            "tags": [],
            "attributes": {
                "phoneNumber": "+919818416528"
            },
            "policies": {
                "issuancePolicies": [],
                "paymentPolicies": []
            },
            "status": "ACTIVE",
            "createdAt": "Jul 12, 2021 9:51:50 AM",
            "modifiedAt": "Jul 12, 2021 9:51:50 AM",
            "headers": {}
        }
    ],
    "tags": [],
    "vectors": [
        "vector://ACCOUNTHOLDER/ac0790b2-8dfd-478a-8f82-64bc54936b25"
    ],
    "policies": {
        "issuancePolicies": [],
        "paymentPolicies": []
    },
    "attributes": {},
    "status": "ACTIVE",
    "createdAt": "Jul 12, 2021 9:51:50 AM",
    "modifiedAt": "Jul 12, 2021 9:51:50 AM",
    "headers": {}
}
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Create card program

A card program defines the set of rules applicable to all cards issued under the program. The rules define transaction limits (daily, monthly), validity of funds, restrictions on creditors, restrictions on the debitors and various types of triggers for transactions.

Creation of card program includes the mentioned details:

  1. Card design related updates,
  2. Voucher program details
  3. Allowed and disallowed merchants
  4. Transaction Limits (daily, monthly)
  5. Any constraints on transactions
  6. Type of the product.

Request parameters

Response parameters

cURL Sample
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curl --location --request POST 'https://venus.preprod.zeta.in/api/v1/ifi/140793/cardprogram' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'Content-Type: application/json' \
--data-raw '{
    "requestId" : "206pm4nov20-z2080702",
    "businessId" : 123,
    "businessName" : "instagiftTest2",
    "productType" : "GIFT",
    "productID" : "106416973871899211",
    "cardDesign": {
            "logo": "https://card-program-files.s3.amazonaws.com/transparent.png",
            "bg": "https://card-program-files.s3.amazonaws.com/meal_new_8.jpeg",
            "bgColor": "#FAA300",
            "offerColor": "#FFFFFF",
            "textColor": "#FFFFFF"
        },
        "voucherProgram": {
            "voucherName": "Meal Voucher",
            "voucherDesign": "http://x.y.z",
            "voucherValidity": "THREE_YEARS"
        },
        "reimbursementProgram": {
            "printedBillRequired": false,
            "mandatorySpendThroughZeta": false,
            "maxValuePerBill": 5000000.0,
            "maxValuePerMonth": 1.0E7,
            "approval": "ZETA",
            "userDeclarationText": "You declare that the value you are claiming is spent by you and for food and non-alcoholic beverages only. You authorize Zeta to approve an amount up to the claimed value based on the company policy.",
            "extraReimbursementProgramConfig": {
                "allowRules": [
                    {
                        "rule": "biller.allowBlurredBills",
                        "value": false
                    },
                    {
                        "rule": "biller.allowLastFinancialYearBills",
                        "value": false
                    },
                    {
                        "rule": "biller.allowBillDatePastUploadDate",
                        "value": false
                    },
                    {
                        "rule": "biller.allowTamperedBills",
                        "value": false
                    },
                    {
                        "rule": "biller.allowOtherLanguageBills",
                        "value": false
                    },
                    {
                        "rule": "biller.allowHandWrittenBills",
                        "value": false
                    },
                    {
                        "rule": "biller.allowGroceryBills",
                        "value": true
                    },
                    {
                        "rule": "biller.allowSupermarketBills",
                        "value": true
                    },
                    {
                        "rule": "biller.allowNonFoodBill",
                        "value": false
                    },
                    {
                        "rule": "biller.allowAlcoholicBeverages",
                        "value": false
                    },
                    {
                        "rule": "biller.allowMultipleBills",
                        "value": false
                    },
                    {
                        "rule": "biller.allowWithoutSTN",
                        "value": false
                    }
                ],
                "requireRules": [
                    {
                        "rule": "biller.requireBillDate",
                        "value": true
                    },
                    {
                        "rule": "biller.requireBillNumber",
                        "value": true
                    },
                    {
                        "rule": "biller.requireMerchantName",
                        "value": true
                    }
                ]
            }
        },
        "issuanceConfiguration": {
            "types": [
                "VOUCHER"
            ],
            "issuer": "124692@business.zeta.in",
            "requiresExclusiveVirtualSuperCard": true,
            "expiryBehaviour": "moveToExpiry",
            "extraIssuanceConfig": {
                "corpben.financialYear": "2016-17"
            }
        },
        "spendConfiguration": {
            "spendDeclaration": "You declare that you are buying food and non-alcoholic beverages only",
            "allowedMerchants": [
                "mcc:5311",
                "mcc:5411",
                "mcc:5422",
                "mcc:5441",
                "mcc:5451",
                "mcc:5462",
                "mcc:5499",
                "mcc:5811",
                "mcc:5812",
                "mcc:5814",
                "amc:5812",
                "amc:5499"
            ],
            "disallowedMerchants": [
                "mcc:5813",
                "mcc:5921",
                "amc:5813"
            ],
            "channels": {
                "allowSuperCard": true,
                "allowReimbursement": false,
                "allowZetaApp": true
            },
            "limits": {
                "transactionLimit": 1.0E7,
                "monthlyLimit": 2000000.0
            },
            "transactionConstraints": {
                "minTransactionValue": 0,
                "maxTransactionValue": 10000000,
                "allowedParticipation": {
                    "type": "PERCENT_OF_VALUE",
                    "value": 100,
                    "valueCap": 1000000
                }
            }
        }
}
'
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JSON Sample
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{
    "id": "221bb5e2-32d2-4b18-96f0-6d34e943fcec",
    "businessName": "instagiftTest2",
    "businessId": 123,
    "requestId": "206pm4nov20-z2080702",
    "businessDetails": {
        "businessID": 123.0,
        "businessName": "instagiftTest2"
    },
    "productType": "GIFT",
    "cardDesign": {
        "bg": "https://card-program-files.s3.amazonaws.com/meal_new_8.jpeg",
        "logo": "https://card-program-files.s3.amazonaws.com/transparent.png",
        "bgColor": "#FAA300",
        "textColor": "#FFFFFF",
        "offerColor": "#FFFFFF"
    },
    "voucherProgram": {
        "voucherName": "Meal Voucher",
        "voucherDesign": "http://x.y.z",
        "voucherValidity": "THREE_YEARS"
    },
    "reimbursementProgram": {
        "approval": "ZETA",
        "maxValuePerBill": 5000000.0,
        "maxValuePerMonth": 1.0E7,
        "printedBillRequired": false,
        "userDeclarationText": "You declare that the value you are claiming is spent by you and for food and non-alcoholic beverages only. You authorize Zeta to approve an amount up to the claimed value based on the company policy.",
        "mandatorySpendThroughZeta": false,
        "extraReimbursementProgramConfig": {
            "allowRules": [
                {
                    "rule": "biller.allowBlurredBills",
                    "value": false
                },
                {
                    "rule": "biller.allowLastFinancialYearBills",
                    "value": false
                },
                {
                    "rule": "biller.allowBillDatePastUploadDate",
                    "value": false
                },
                {
                    "rule": "biller.allowTamperedBills",
                    "value": false
                },
                {
                    "rule": "biller.allowOtherLanguageBills",
                    "value": false
                },
                {
                    "rule": "biller.allowHandWrittenBills",
                    "value": false
                },
                {
                    "rule": "biller.allowGroceryBills",
                    "value": true
                },
                {
                    "rule": "biller.allowSupermarketBills",
                    "value": true
                },
                {
                    "rule": "biller.allowNonFoodBill",
                    "value": false
                },
                {
                    "rule": "biller.allowAlcoholicBeverages",
                    "value": false
                },
                {
                    "rule": "biller.allowMultipleBills",
                    "value": false
                },
                {
                    "rule": "biller.allowWithoutSTN",
                    "value": false
                }
            ],
            "requireRules": [
                {
                    "rule": "biller.requireBillDate",
                    "value": true
                },
                {
                    "rule": "biller.requireBillNumber",
                    "value": true
                },
                {
                    "rule": "biller.requireMerchantName",
                    "value": true
                }
            ]
        }
    },
    "issuanceConfiguration": {
        "types": [
            "VOUCHER"
        ],
        "issuer": "124692@business.zeta.in",
        "requiresExclusiveVirtualSuperCard": true,
        "expiryBehaviour": "moveToExpiry",
        "extraIssuanceConfig": {
            "corpben.financialYear": "2016-17"
        }
    },
    "spendConfiguration": {
        "spendDeclaration": "You declare that you are buying food and non-alcoholic beverages only",
        "allowedMerchants": [
            "mcc:5311",
            "mcc:5411",
            "mcc:5422",
            "mcc:5441",
            "mcc:5451",
            "mcc:5462",
            "mcc:5499",
            "mcc:5811",
            "mcc:5812",
            "mcc:5814",
            "amc:5812",
            "amc:5499"
        ],
        "disallowedMerchants": [
            "mcc:5813",
            "mcc:5921",
            "amc:5813"
        ],
        "channels": {
            "allowSuperCard": true,
            "allowReimbursement": false,
            "allowZetaApp": true
        },
        "limits": {
            "transactionLimit": 1.0E7,
            "monthlyLimit": 2000000.0
        },
        "transactionConstraints": {
            "minTransactionValue": 0,
            "maxTransactionValue": 10000000,
            "allowedParticipation": {
                "type": "PERCENT_OF_VALUE",
                "value": 100,
                "valueCap": 1000000
            }
        }
    },
    "ifi": 140793,
    "productID": "106416973871899211",
    "tags": [
        {
            "type": "vbo-id",
            "value": "26c28ca6-4202-464c-9806-b788989762d4",
            "attributes": {}
        }
    ]
}
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Create cloud card

Cloudcard is a wrapper of the ledger which includes what kind of transactions can be done on the ledger, what features and restrictions does a ledger have.This is achieved using card program.

Request parameters

Response parameters

cURL Sample
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curl --location --request POST 'https://venus.preprod.zeta.in/api/v1/ifi/140793/cloudcard' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'Content-Type: application/json' \
--data-raw '{
   "requestId": "203pm4nov20-z2120702",
   "cardProgramId": "221bb5e2-32d2-4b18-96f0-6d34e943fcec",
   "productID": "106416973871899211",
   "receiver": "p:+919818416528",
   "attributes" : {}
}
'
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JSON Sample
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{
    "ifiId": 140793,
    "id": "c55a349b-5f7f-4fd3-a141-5ceee0d5a76d",
    "ledgerId": "4814097359399755573",
    "accountId": "9d26e927-6455-4ea1-bd1c-6da549f72d44",
    "accountHolderId": "ac0790b2-8dfd-478a-8f82-64bc54936b25",
    "cardProgramId": "221bb5e2-32d2-4b18-96f0-6d34e943fcec",
    "attributes": {
        "zeta.card-program-id": "221bb5e2-32d2-4b18-96f0-6d34e943fcec",
        "zeta.business-id": "123"
    },
    "createdAt": "2021-07-12T10:11:09.392229",
    "updatedAt": "2021-07-12T10:11:09.392229"
}
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Get card by CRN

A card reference number is a unique numeric identity provided to individual cards that makes it easier to discover and identify them.

All card-related details linked with the CRN are fetched using the Get card by CRN API.

Request parameters

Response parameters

cURL Sample
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curl --location --request GET 'https://fusion.preprod.zeta.in/api/v1/ifi/140793/cards/193678564709' \
--header 'Authorization: Bearer {{token}}
--header 'Content-Type: application/json' \
--header 'Cookie: '
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JSON Sample
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{
    "cardID": "b5969174-0d94-41ed-b021-e65db074e954",
    "crn": "193678564709",
    "cardType": "VIRTUAL",
    "maskedPan": "608271-xxxxxx-0061",
    "cardStatus": "DISABLED",
    "orderDetails": {
        "orderID": "instagift-vnp-pgoid-398",
        "cardSkuID": "RUPAY_60827133_VIRTUAL_EBIX",
        "cardSku": {
            "cardSkuId": "RUPAY_60827133_VIRTUAL_EBIX",
            "productID": "205120873182861",
            "ifi": "140793",
            "bin": "608271",
            "plasticCode": "WHITEC",
            "vendorID": "NA",
            "tags": [
                "tag://vbo/26c28ca6-4202-464c-9806-b788989762d4"
            ],
            "range": "33"
        },
        "plasticCode": "WHITEC",
        "fourthLineEmbossing": "ZETA - RUBIX - T&E",
        "expiry": {
            "month": "1",
            "year": "24"
        },
        "deliveryAddress": {
            "country": "",
            "city": "",
            "postalCode": "",
            "contactNumber": "",
            "addressLine1": "",
            "addressLine2": "",
            "addressLine3": "",
            "state": "",
            "addressLine4": ""
        },
        "tenantAttributes": {},
        "orderStatus": "CARD_DATA_GENERATED"
    },
    "binRange": {
        "bin": "608271",
        "range": "33"
    }
}
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The account id we get after generating a cloudcard is linked to the cardID we get from the Get card by CRN API call.

Request parameters

In response to this API, the resource and the associated form factor get linked to the account id.

cURL Sample
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curl --location --request POST 'https://fusion.preprod.zeta.in/api/v1/ifi/140793/resources/8dbf4d5a-1e10-4fc8-8625-6e4da330bdd5/form_factors' \
--header 'Content-Type: application/json' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'Cookie: 
--data-raw '{
   "formFactorProductID": "aa59c220-2173-4244-92fd-2f7fee17bea5", 
  "formFactorID": "b5969174-0d94-41ed-b021-e65db074e954",  
  "targetURI":  "account://9d26e927-6455-4ea1-bd1c-6da549f72d44",
  "status": "ACTIVE",
  "vectors": [
        "vector://ACCOUNTHOLDER/ac0790b2-8dfd-478a-8f82-64bc54936b25"  
    ]
}
'
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JSON Sample
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{
    "id": "5791dea1-ea9f-4866-b79c-97e420a6a13f",
    "ifi": 140793,
    "formFactorProductID": "aa59c220-2173-4244-92fd-2f7fee17bea5",
    "formFactorID": "b5969174-0d94-41ed-b021-e65db074e954",
    "targetURI": "account://9d26e927-6455-4ea1-bd1c-6da549f72d44",
    "tags": [],
    "attributes": {},
    "policies": {
        "issuancePolicies": [],
        "paymentPolicies": []
    },
    "status": "ACTIVE",
    "createdAt": "Aug 19, 2021 7:29:42 AM",
    "modifiedAt": "Aug 19, 2021 7:29:42 AM",
    "headers": {}
}
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This completes the gifting flow on fusion. Now the account has been linked with the payment instrument and the account holder can utilise the gift card for transactions.