• Prepaid

    In locale

  • Prepaid

    In locale

Create and Manage Credit Lines

Let’s look at a use case of implementing a credit limit given to users by a Finetch.

1. Assign Credit Limit to Account

Fintech uses Assign Credit Limit to Account API to assign limits to accounts based on their logic. Assume User A has INR 10,000.

Input parameters

  • ifiID: Required. Unique identifier of the IFI.
  • accountID: Required. Unique identifier of the account.
  • creditLimit: Required. The limit of credit facility extended to the account of an Account.

Example

In the following example, we set up a credit account for an Account.

cURL Sample
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curl --location --request POST 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
    "accountId": {{accountID}},
    "attrs": {
    "additionalProp1": {{additionalProp1}}
  },
    "creditLimit": "10000",
    "status": "ACTIVE"
}'
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  {
    "createdDate": "2020-10-23T07:52:51.206+0000",
    "lastModifiedDate": "2020-10-23T07:52:51.206+0000",
    "accountId": "d0baa244-d7f7-422e-a113-6e23941fdfeb",
    "creditLimit": 10000,
    "creditBalance": 10000,
    "status": "ACTIVE",
    "accountAttrs": {
        "additionalProp1": "Test"
    },
    "tenant": {
        "createdDate": "2020-10-08T09:01:52.366+0000",
        "lastModifiedDate": "2020-10-08T09:33:19.991+0000",
        "id": 100050,
        "tenantId": 140793,
        "tenantName": "ABGTest",
        "vboId": "910c0eb1-3972-49bd-aaf9-c21ebbc0c026",
        "sandboxId": 748,
        "policyConfig": {},
        "tenantConfig": {},
        "webHookConfig": {}
    }
}
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2. JIT Funding

User A has a balance of INR 2,000 in account and credit limit of INR10,000. He attempts to do a transaction of INR 8,000. CLMS orchestrates Just in time funding from the VBO Funding account to the user account of INR 6,000 ( transaction value - the balance of account ). The transaction is successful. Credit limit balance changes to INR 4,000. This step is orchestrated by CLMS using Interceptors and A2A transfer API.

3. Credit Limit Balance Usage

Across the month user, A utilizes INR 3,000 of his credit limit balance. User A has used INR 9,000 of his credit limit balance during the month. His current credit limit balance is INR 1,000.

4. Increase Credit Limit Balance

At the end of the time period allowed to account holder, Fintech Increases the credit limit balance from INR 1,000 (current credit limit balance) to INR 10,000 using Increase Credit Limit Balance API.

Input parameters

  • ifiID: Required. Unique identifier of the IFI.
  • accountID: Required. Unique identifier of the account.
  • creditLimit: Required. The limit of credit facility extended to the account of an Account.

Example

In the following example, we increase the credit limit balance for an Account.

cURL Sample
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curl --location --request POST 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account/{{accountID}}/increaseCreditBalance' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
  "content": {
    "amount": 10,
    "currency": "INR"
  },
  "id": {{id}}
}'
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JSON Sample
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{
    "id": "cc0bcecc-8e9e-404e-91b1-6fb9c57017f9",
    "content": {
        "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795",
        "creditLimit": 10000,
        "creditBalance": 18370,
        "status": "ACTIVE",
        "accountAttrs": {
            "additionalProp1": "Test"
        },
        "tenant": {
            "id": 100001,
            "tenantId": 140793,
            "tenantName": "peSeva",
            "vboId": "6a90160f-1306-420a-945a-080a3edd0325",
            "sandboxId": 233,
            "policyConfig": {},
            "tenantConfig": {},
            "webHookConfig": {},
            "createdDate": "Jun 2, 2020 11:10:37 AM",
            "lastModifiedDate": "Jun 2, 2020 11:10:37 AM",
            "version": 0
        },
        "createdDate": "Jun 24, 2020 12:42:34 PM",
        "lastModifiedDate": "Sep 30, 2020 10:00:15 AM",
        "version": 221
    }
}
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5. Update Account Limit

The fintech decides to increase/decrease the assigned credit limit to user based on business logic. It can change the credit limit to INR 12,000 or INR 8,000 using Update account Limit API.

Input parameters

  • ifiID: Required. Unique identifier of the IFI.
  • accountID: Required. Unique identifier of the account.
  • creditLimit: Required. The limit of credit facility extended to the account of an Account.

Example

In the following example, we increases the credit limit balance for an Account.

cURL Sample
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curl --location --request PUT 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/140793/credits/account/{{accountID}}' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
    "creditLimit" : 12000
}'
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JSON Sample
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{
    "createdDate": "2020-10-23T07:52:51.206+0000",
    "lastModifiedDate": "2020-10-23T09:21:56.333+0000",
    "accountId": "d0baa244-d7f7-422e-a113-6e23941fdfeb",
    "creditLimit": 12000,
    "creditBalance": 12000,
    "status": "ACTIVE",
    "accountAttrs": {
        "additionalProp1": "Test"
    },
    "tenant": {
        "createdDate": "2020-10-08T09:01:52.366+0000",
        "lastModifiedDate": "2020-10-08T09:33:19.991+0000",
        "id": 100050,
        "tenantId": 140793,
        "tenantName": "ABGTest",
        "vboId": "910c0eb1-3972-49bd-aaf9-c21ebbc0c026",
        "sandboxId": 748,
        "policyConfig": {},
        "tenantConfig": {},
        "webHookConfig": {}
    }
}
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6. Decrease Credit Limit Balance

The fintech can also use Decrease Credit Limit Balance API to reduce the credit limit balance. Typically used in JIT Funding in non-card transactions. JIT Funding in such cases is orchestrated by Fintech.

Input parameters

  • ifiID: Required. Unique identifier of the IFI.
  • accountID: Required. Unique identifier of the account.
  • amount: Required. The amount by which the credit limit balance should be decreased.

Example

In the following example, we decrease the credit limit balance for an Account.

cURL Sample
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curl --location --request POST 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account/{{accountID}}/decreaseCreditBalance' \
--header 'Content-Type: application/json' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
--data-raw '{
  "content": {
    "amount": 10,
    "currency": "INR",
    "paymentID": "IMPS"
  },
  "id": {{id}}
}'
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JSON Sample
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{
    "id": "cc4bcecc-7e2e-404e-91b1-6fb6c57014f4",
    "content": {
        "createdDate": "2020-06-24T12:42:34.680+0000",
        "lastModifiedDate": "2020-10-23T09:33:07.614+0000",
        "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795",
        "creditLimit": 23000,
        "creditBalance": 20040,
        "status": "ACTIVE",
        "accountAttrs": {
            "additionalProp1": "Test"
        },
        "tenant": {
            "createdDate": "2020-06-02T11:10:37.479+0000",
            "lastModifiedDate": "2020-06-02T11:10:37.479+0000",
            "id": 100001,
            "tenantId": 140793,
            "tenantName": "peSeva",
            "vboId": "6a90160f-1306-420a-945a-080a3edd0325",
            "sandboxId": 233,
            "policyConfig": {},
            "tenantConfig": {},
            "webHookConfig": {}
        }
    }
}
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7. Get all Audit logs for a Credit Account

Fintech can view Audit logs for an account using View Audit logs for Account Input parameters

  • ifiID: Required. Unique identifier of the IFI.
    cURL Sample
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    curl --location --request GET 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/account/{{accountID}}/audit/logs' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
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    JSON Sample
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    {
    "content": [],
    "pageable": {
        "sort": {
            "sorted": true,
            "unsorted": false
        },
        "pageSize": 50,
        "pageNumber": 0,
        "offset": 0,
        "paged": true,
        "unpaged": false
    },
    "last": true,
    "totalPages": 0,
    "totalElements": 0,
    "sort": {
        "sorted": true,
        "unsorted": false
    },
    "first": true,
    "numberOfElements": 0,
    "size": 50,
    "number": 0
}
    Code Copied

8. Get all Credit Audit logs

The fintech can view Audit logs for all accounts.

Input parameters

  • ifiID: Required. Unique identifier of the IFI.
    cURL Sample
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    curl --location --request GET 'https://credit-limit-management.preprod.zeta.in/api/v1/ifi/{{ifiID}}/credits/audit/logs' \
--header 'Authorization: {{token}}' \
--header 'Cookie: {{cookie}}' \
    Code Copied
    JSON Sample
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    {
 "content": [
 {
 "createdDate": "2020-10-22T06:31:33.690+0000",
 "lastModifiedDate": "2020-10-22T06:31:33.690+0000",
 "auditId": 1000000318,
 "openingCreditBal": 18050,
 "closingCreditBal": 20050,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 23000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-22T06:31:15.241+0000",
 "lastModifiedDate": "2020-10-22T06:31:15.241+0000",
 "auditId": 1000000317,
 "openingCreditBal": 19050,
 "closingCreditBal": 18050,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-22T06:25:05.208+0000",
 "lastModifiedDate": "2020-10-22T06:25:05.208+0000",
 "auditId": 1000000316,
 "openingCreditBal": 18050,
 "closingCreditBal": 19050,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-22T06:24:42.123+0000",
 "lastModifiedDate": "2020-10-22T06:24:42.123+0000",
 "auditId": 1000000315,
 "openingCreditBal": 19050,
 "closingCreditBal": 18050,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-08T09:56:28.847+0000",
 "lastModifiedDate": "2020-10-08T09:56:28.847+0000",
 "auditId": 1000000285,
 "openingCreditBal": 19150,
 "closingCreditBal": 19050,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "326444000036",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-08T08:28:34.272+0000",
 "lastModifiedDate": "2020-10-08T08:28:34.272+0000",
 "auditId": 1000000280,
 "openingCreditBal": 19150,
 "closingCreditBal": 19150,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-07T13:29:30.131+0000",
 "lastModifiedDate": "2020-10-07T13:29:30.131+0000",
 "auditId": 1000000275,
 "openingCreditBal": 19250,
 "closingCreditBal": 19150,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "326270000486",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-07T13:21:16.111+0000",
 "lastModifiedDate": "2020-10-07T13:21:16.111+0000",
 "auditId": 1000000259,
 "openingCreditBal": 19350,
 "closingCreditBal": 19250,
 "openingCreditLimit": 22000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-07T13:17:51.452+0000",
 "lastModifiedDate": "2020-10-07T13:17:51.452+0000",
 "auditId": 1000000266,
 "openingCreditBal": 18350,
 "closingCreditBal": 19350,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 22000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-07T10:28:31.359+0000",
 "lastModifiedDate": "2020-10-07T10:28:31.359+0000",
 "auditId": 1000000270,
 "openingCreditBal": 18360,
 "closingCreditBal": 18350,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "326269000115",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-10-07T09:12:14.087+0000",
 "lastModifiedDate": "2020-10-07T09:12:14.087+0000",
 "auditId": 1000000265,
 "openingCreditBal": 18370,
 "closingCreditBal": 18360,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "326270000100",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T10:00:15.498+0000",
 "lastModifiedDate": "2020-09-30T10:00:15.498+0000",
 "auditId": 1000000261,
 "openingCreditBal": 18360,
 "closingCreditBal": 18370,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T09:59:56.230+0000",
 "lastModifiedDate": "2020-09-30T09:59:56.230+0000",
 "auditId": 1000000258,
 "openingCreditBal": 18370,
 "closingCreditBal": 18360,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T09:59:18.632+0000",
 "lastModifiedDate": "2020-09-30T09:59:18.632+0000",
 "auditId": 1000000260,
 "openingCreditBal": 18380,
 "closingCreditBal": 18370,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T09:57:35.590+0000",
 "lastModifiedDate": "2020-09-30T09:57:35.590+0000",
 "auditId": 1000000257,
 "openingCreditBal": 18390,
 "closingCreditBal": 18380,
 "openingCreditLimit": 21000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T09:35:05.768+0000",
 "lastModifiedDate": "2020-09-30T09:35:05.768+0000",
 "auditId": 1000000256,
 "openingCreditBal": 17390,
 "closingCreditBal": 18390,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 21000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-30T09:34:40.193+0000",
 "lastModifiedDate": "2020-09-30T09:34:40.193+0000",
 "auditId": 1000000255,
 "openingCreditBal": 17390,
 "closingCreditBal": 17390,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-29T12:16:21.992+0000",
 "lastModifiedDate": "2020-09-29T12:16:21.992+0000",
 "auditId": 1000000250,
 "openingCreditBal": 17386,
 "closingCreditBal": 17390,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-25T11:02:02.105+0000",
 "lastModifiedDate": "2020-09-25T11:02:02.105+0000",
 "auditId": 1000000231,
 "openingCreditBal": 49980,
 "closingCreditBal": 50000,
 "openingCreditLimit": 50000,
 "closingCreditLimit": 50000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
 },
 {
 "createdDate": "2020-09-25T11:01:52.500+0000",
 "lastModifiedDate": "2020-09-25T11:01:52.500+0000",
 "auditId": 1000000245,
 "openingCreditBal": 49790,
 "closingCreditBal": 49980,
 "openingCreditLimit": 50000,
 "closingCreditLimit": 50000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
 },
 {
 "createdDate": "2020-09-25T11:01:34.696+0000",
 "lastModifiedDate": "2020-09-25T11:01:34.696+0000",
 "auditId": 1000000240,
 "openingCreditBal": 49800,
 "closingCreditBal": 49790,
 "openingCreditLimit": 50000,
 "closingCreditLimit": 50000,
 "paymentAttrs": {},
 "paymentId": "a2a_test_dummy_001",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
 },
 {
 "createdDate": "2020-09-25T11:01:28.162+0000",
 "lastModifiedDate": "2020-09-25T11:01:28.162+0000",
 "auditId": 1000000235,
 "openingCreditBal": 49810,
 "closingCreditBal": 49800,
 "openingCreditLimit": 50000,
 "closingCreditLimit": 50000,
 "paymentAttrs": {},
 "paymentId": "a2a_test_dummy_001",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
 },
 {
 "createdDate": "2020-09-25T09:48:54.171+0000",
 "lastModifiedDate": "2020-09-25T09:48:54.171+0000",
 "auditId": 1000000230,
 "openingCreditBal": 49800,
 "closingCreditBal": 49810,
 "openingCreditLimit": 50000,
 "closingCreditLimit": 50000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "54af4f90-c1e7-451a-964c-1ec4e5ba29e4"
 },
 {
 "createdDate": "2020-09-22T13:15:15.924+0000",
 "lastModifiedDate": "2020-09-22T13:15:15.924+0000",
 "auditId": 1000000218,
 "openingCreditBal": 17376,
 "closingCreditBal": 17386,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-22T13:13:38.125+0000",
 "lastModifiedDate": "2020-09-22T13:13:38.125+0000",
 "auditId": 1000000226,
 "openingCreditBal": 17386,
 "closingCreditBal": 17376,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-21T10:43:49.830+0000",
 "lastModifiedDate": "2020-09-21T10:43:49.830+0000",
 "auditId": 1000000217,
 "openingCreditBal": 17376,
 "closingCreditBal": 17386,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-21T10:11:03.240+0000",
 "lastModifiedDate": "2020-09-21T10:11:03.240+0000",
 "auditId": 1000000216,
 "openingCreditBal": 17376,
 "closingCreditBal": 17376,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "UPDATED_CREDIT_LIMIT_BY_USER",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-21T10:10:17.056+0000",
 "lastModifiedDate": "2020-09-21T10:10:17.056+0000",
 "auditId": 1000000222,
 "openingCreditBal": 17366,
 "closingCreditBal": 17376,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "",
 "operation": "CREDIT_BALANCE_INCREASED",
 "accountId": "f21e300a-4b02-4b5f-8394-535fefb6f795"
 },
 {
 "createdDate": "2020-09-21T10:09:54.956+0000",
 "lastModifiedDate": "2020-09-21T10:09:54.956+0000",
 "auditId": 1000000221,
 "openingCreditBal": 17376,
 "closingCreditBal": 17366,
 "openingCreditLimit": 20000,
 "closingCreditLimit": 20000,
 "paymentAttrs": {},
 "paymentId": "IMPS",
 "operation": "CREDIT_BALANCE_USED",
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    Code Copied

Note : Currently the CLMS only intercepts card payments. The ability to intercept payments on other channels is part of our roadmap.