How to use the APIs

The customer needs to provide valid API key to initiate an API call. To create a key, refer "signature".

Outbound Messages

XD Payments exposes a set of APIS for all outbound messages and non-value messages:

1. The customers can initiate outbound instant credit transfers from their account to beneficiary account securely and conveniently using Transfer API

2. The customers can initiate outbound payment request to the sender account specifying the receiver's details and the amount to be paid with other accompanying details through RequestForPayment API

3. The customers can initiate request for returning the outbound payment that was done previously, either due to pending payment or for other reasons through ReturnRequest API

4. The customers can retrieve the status of outbound payment initiated by the originator through GetPaymentStatus API

5. The customers can retrieve the status of payment request initiated by the originator through GetRequestForPaymentStatus API

Inbound Messages

XD Payments expects FIs to implement and host the following gRPC interface:

1. The CreditTransferInbound gRPC method is used by the banks or financial institutions to receive and process the incoming credit transfer request securely

2. The InBoundRequestForPayment gRPC method is used by the banks and financial institutions to receive and process the inbound payment request received from beneficiary

3. The ReturnRequest gRPC method is used by the banks and financial institutions to receive and process the request for returning an inbound payment received from the sender.

note

NetXD uses base64 based authentication and digital signature to verify the authenticity of the messages. Please refer to the respective authentication page for outbound and inbound messages