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Prerequisites

Parameter name Parameter value
Ifi id 304876
API endpoint https://fusion.gw.zetapay.in/api/v1
Access token {{token}}
Bundle id {{BundleID}}
Simulator for card payments https://prod-card-simulator.gw.zetapay.in/
Funding Account ID {{FundingAccountID}}
Vbo id {{VboID}}
cardSkuIDs {{SkuID}

About Fusion

Fusion is an API-based Platform-as-a-Service (PaaS) offering. It enables fintechs to build and manage financial products for unique use-cases. Fusion offers seamless integration with banks, payment networks, card printers, push servers, and several other services.

Fusion APIs solve many use-cases like customer loyalty cards, employee benefits, corporate gifting, expense management, merchant payouts, just-in-time account funding, and so on.

Get instant access to the complete financial environment via simple and powerful API integrations with Fusion.

Pre-requisites

  • Access token to be embedded as a header in X-Zeta-AuthToken.
  • The system will not take in requests unless this auth token is passed as part of the header.
  • The API endpoint that needs to be called for testing is https://fusion.gw.zetapay.in/api/v1.
  • There are several steps to do if you want to orchestrate a user journey for a fintech user on Zeta’s system. We will give you sample curls throughout the document to go through the journey points as mentioned below.
  • For all the following APIs, invocation has to be driven through the issuer (or the bank). In this case, fintech has to use a static, assigned IFI id of 304876.
  • Also, for most of the APIs you can use either postman or curl. We have provided curl examples for now in the documentation.
  • Mandatory Fields Highlighted Colour.
  • Response used in other API Highlighted Colour.

Issuance of Bundle

Bundle is used to issue account product & payment product to the account holder. Bundle can be issued in the following ways:

Issue Bundle (Single Account & Payment Product)

Bundles are issued to the end users of VBO via the issueBundle API. Issue Bundle API is used to issue an account product & payment product. This API will create one account product and payment product. Below are the list of mandatory parameters that need to be added in the request body:

Parameters Description
X-Zeta-AuthToken It should be same as mentioned in the prerequisite table.
ifiID Unique identifier of the IFI.
bundleID Pass the bundleID as provided in pre-requisite table.
accountHolderID ID of the Account Holder to whom the Account is being issued.(individualID).
name Name of the issued Bundle.
phoneNumber Phone number.

cURL Sample
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curl --location --request POST 'https://fusion.gw.zetapay.in/api/v1/ifi/304876/bundles/502cb813-8ccb-49ec-8e32-63a95f8fb6e8/issueBundle' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'Cookie: {{Cookie}}' \
--data-raw '{
  "accountHolderID": "8f481b75-afff-4ef2-ab9b-97b3e08fb17c",
  "name": "VBO_bundle_01",
  "phoneNumber": "+919843543897"
}'
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JSON Sample
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{
  "requestID": "81f8c12e-2980-4233-8dca-7fa0db5b2b2d",
  "accounts": [
      {
          "bundleID": "502cb813-8ccb-49ec-8e32-63a95f8fb6e8",
          "accountHolderID": "8f481b75-afff-4ef2-ab9b-97b3e08fb17c",
          "accountID": "dc97c156-1fed-44c0-a7e4-5158f1fac042"
      }
  ],
  "paymentInstruments": [
      {
          "bundleID": "502cb813-8ccb-49ec-8e32-63a95f8fb6e8",
          "resourceID": "1f57ea91-6dc2-40cf-9a55-e5fc2c124524",
          "status": "ACTIVE",
          "targetAccount": "account://dc97c156-1fed-44c0-a7e4-5158f1fac042"
      }
  ]
}
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The following parameters will be received in response & will be used in further APIs.
|Parameters|API Involved| |———-|————| |accountID|issuePaymentProduct to issue payment products| |resourceID|getResource API to fetch the details of Form Factor|

issueAccountProduct (Multiple Account Product)

This API is used to issue multiple accounts to the account holder. Below are the list of mandatory parameters that need to be added in the request body:

Parameters Description
X-Zeta-AuthToken It should be same as mentioned in the prerequisite table.
ifiID Unique identifier of the IFI.
bundleID Pass the bundleID as provided in pre-requisite table.
requestID Unique identifier for each request.
accountHolderID ID of the Account Holder to whom the Account is being issued.(individualID)
accountProductID This is fetched from getBundle API.
name Any name can be given to the accounts. Ex: Parent_Current & Parent_Savings.

cURL Sample
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curl --location --request POST 'https://fusion.gw.zetapay.in/api/v1/ifi/304876/bundles/502cb813-8ccb-49ec-8e32-63a95f8fb6e8/issueAccountProducts' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'Cookie: {{Cookie}}' \
--data-raw '{
  "requestID": "issue_account_random11",
   "accountHolderID": "8f481b75-afff-4ef2-ab9b-97b3e08fb17c",
  "issueAccountArtifactRequests": [
      {
          "accountProductID": "1966ef63-5d02-4f3f-aa32-f9c7146f3831",
          "name": "Parent_current"
      },
      {
          "accountProductID": "1966ef63-5d02-4f3f-aa32-f9c7146f3831",
          "name": "Parent_savings"
      }
  ]
}'
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JSON Sample
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[
  {
      "bundleID": "502cb813-8ccb-49ec-8e32-63a95f8fb6e8",
      "accountHolderID": "8f481b75-afff-4ef2-ab9b-97b3e08fb17c",
      "accountID": "c934cbe4-df6e-44f2-8fe0-2ac7e7767262"
  },
  {
      "bundleID": "502cb813-8ccb-49ec-8e32-63a95f8fb6e8",
      "accountHolderID": "8f481b75-afff-4ef2-ab9b-97b3e08fb17c",
      "accountID": "1cd911fd-0894-4aed-880d-a7124a5bbe4a"
  }
]
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The following parameters will be received in response & will be used in further APIs.
|Parameters|Description| |———-|———–| |accountID|This is a unique identifier for the accounts that are created. (In above response we have 2 accountID as we have issued 2 accounts to single Account Holder Ex - Parent_current and Parent_savings)|

issuePaymentProduct (Multiple Payment Product)

This API is used to create multiple payment products of type card and Phone no to the account holder. Below are the list of mandatory parameters that need to be added in the request body:

Parameters Description
X-Zeta-AuthToken It should be same as mentioned in the prerequisite table.
ifiID Unique identifier of the IFI.
bundleID Pass the bundleID as provided in pre-requisite table.
accountHolderID ID of the Account Holder to whom the Account is being issued.(individualID).
requestID Unique identifier for each request.
targetAccountID Get this information from issuebundle API (In case want to associate card with the single account). For multiple account fetch this from issuePaymentProducts API (in case wants to associate cards with multiple account).
paymentProductID This is fetched from getBundle API.
phoneNumber User needs to provide a contact number that he wants to associate with cards.

cURL Sample
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curl --location --request POST 'https://fusion.gw.zetapay.in/api/v1/ifi/304876/bundles/502cb813-8ccb-49ec-8e32-63a95f8fb6e8/issuePaymentProducts' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'Cookie: {{Cookie}}' \
--data-raw '{
  "requestID": "issue_payment_product_random15",
  "accountHolderID": "8f481b75-afff-4ef2-ab9b-97b3e08fb17c",
  "issuePaymentProductRequests": [
      {
          "targetAccountID": "dc97c156-1fed-44c0-a7e4-5158f1fac042",
          "paymentProductID": "1ca677a1-0b8a-4d55-b2ee-d91fbec21fab",
          "phoneNumber": "+919818413422",
          "attributes": {}
      },
      {
          "targetAccountID": "dc97c156-1fed-44c0-a7e4-5158f1fac042",
          "paymentProductID": "1ca677a1-0b8a-4d55-b2ee-d91fbec21fab",
          "phoneNumber": "+919818413522",
          "attributes": {}
      }
  ]
}'
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JSON Sample
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[
  {
      "bundleID": "502cb813-8ccb-49ec-8e32-63a95f8fb6e8",
      "resourceID": "399c7d4e-c941-4ad4-ab6c-e6af7690b2c0",
      "targetUri": "account://dc97c156-1fed-44c0-a7e4-5158f1fac042",
      "status": "ACTIVE"
  },
  {
      "bundleID": "502cb813-8ccb-49ec-8e32-63a95f8fb6e8",
      "resourceID": "4316daa9-1d61-48a1-a906-9a7528cfd03c",
      "targetUri": "account://dc97c156-1fed-44c0-a7e4-5158f1fac042",
      "status": "ACTIVE"
  }
]
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The following parameters will be received in response & will be used in further APIs.
|Parameters|Description| |———-|———–| |resourceID|Used in Get Resource API to fetch FFID.|

Get Bundles

Bundles combine Account Products & Payment products.
The Get bundle API will fetch the details of Account products & Payment products only if a bundle is issued to an account holder. Below are the list of mandatory parameters that need to be added in the request body:

Parameters Description
X-Zeta-AuthToken It should be same as mentioned in the prerequisite table.
ifiID Unique identifier of the IFI.
bundleID Pass the bundleID as provided in pre-requisite table.

The curl below will give you 2 account bundles. One of these bundles needs to be used for the personal account/wallet of the user.

cURL Sample
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curl --location --request GET 'https://fusion.gw.zetapay.in/api/v1/ifi/304876/bundles/502cb813-8ccb-49ec-8e32-63a95f8fb6e8' \
--header 'X-Zeta-AuthToken: {{token}}' \
--header 'Cookie: {{cookie}}'
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JSON Sample
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{
  "id": "502cb813-8ccb-49ec-8e32-63a95f8fb6e8",
  "ifiID": 304876,
  "vboID": "ea4f06a3-6b9f-4948-bc75-e4bdb4d6cc9b",
  "name": "VBOUAT Bundle(GPR Min KYC With Pan)",
  "accountProducts": [
      {
          "id": "1966ef63-5d02-4f3f-aa32-f9c7146f3831",
          "productName": "GPR_MIN_KYC_WITH_PAN_UAT",
          "description": "",
          "productID": "1678556640324530811",
          "type": "ACCOUNT",
          "programIDs": "",
          "ifiID": 304876,
          "attributes": {}
      }
  ],
  "paymentProducts": [
      {
          "id": "1ca677a1-0b8a-4d55-b2ee-d91fbec21fab",
          "productName": "PAYMENT_PRODUCT_VBOUAT",
          "description": "PAYMENT_PRODUCT_VBOUAT",
          "productID": "f19883e7-c917-4732-a67d-1896b2a38d8b",
          "type": "PAYMENT",
          "programIDs": "",
          "ifiID": 304876,
          "attributes": {}
      }
  ],
  "status": "active",
  "attributes": {},
  "createdAt": "Nov 23, 2020 11:27:14 AM",
  "updatedAt": "Nov 23, 2020 11:27:14 AM",
  "shortCode": "BUNINJU01"
}
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The following parameters will be received in response & will be used in further APIs.
|Parameters|API Involved| |———-|————| |Id (accountProducts, paymentProducts)| issueAccountProduct, issue payment product (to issue multiple accounts and payments).| productID (accountProducts, paymentProducts)| issueAccountProduct, issue payment product (to issue multiple accounts and payments).|