December 2021
December 13
Fixed Apache Log4j vulnerabilities
Fixed
Apache Log4j is a popularly used logging tool used by thousands of apps around the world. Our engineering teams assessed and patched all the impacted services as per the guidance by Apache for the log4j libraries- v2.0 to 2.14.x.
November
November 18
Onboarded a new Issuer with Fusion- The State Bank of Mauritius [SBM]
Announcement
Adding to the list of issuers[IFIs] that you, the fintechs, can integrate with, we have onboarded the State Bank of Mauritius(SBM) with us. You can now use fusion APIs to integrate and run your program with the bank. Feel free to drop your queries at [email protected].
November 10
Added guide on Dispute Management
Docs Update
Zeta has constantly been striving to provide a seamless operational experience however in the settlement process, there are multiple issues that might arise. To address these concerns better, we have documented a guide for the respective dispute resolution with the relevant TAT. Read more on Dispute Management here.
October
October 29
Revamped your website experience with us!
Docs UpdateAs we grow, so does our initiative to deliver you an extensively comprehensive guide to build best-in class financial products with us in a seamless fashion. We, thus, catering to this end, have brought in the below changes on the website:
- Dev Guides is now Concepts: We have gone ahead refactoring the previous section of ‘Dev Guides’ to ‘Concepts’ to address the broader spectrum of heads at fusion.
- New layout for Cookbooks: We have updated the way you interact with the step-by-step guide in this section. The landing page now has cards for all the cookbooks with the option to search and sort the cookbooks by relevance, date, and alphabet. Along with each cookbook has a reading time along with the left hand side carousel of steps serving as a checklist for the developers
- New section called ‘Samples’: This new section available under the ‘More’ menu in the header contains pre-built apps/experiences, including Passport and Sample Prepaid App.
- Product Selector in the header: With the new addition to our product family- Fusion Credit, we have introduced a quick toggle for you to quickly move between the product you intend to read about in the header. e Management here.
October 22
Rolled out API Playground for the users in Beta
Announcement
Users can now experience and play around with the Fusion APIs in the sandbox environment available under the API playground. The platform is intended for the users to interact and understand fusion APIs better.
October 15
Introducing the pre-release modules under the Fusion Management Console
AnnouncementBuilding upon our vision to make the fintechs self-sufficient, we are presently working on the below new modules that are now available as beta versions.
- Token Management: generate tokens on your own and use them to access fusion APIs. You can read more about this feature here
- User Management: enables better management of accesses and permissions of other users of the organization. You can read more about this feature here
- App Center: setup and manage your mobile applications to provide customized experiences to your customers. You can read more about this feature here
- Power Center: understand and receive business insights and metrics with regards to usage, engagement, retention and user behaviour across your programs with fusion. You can read more about this feature here
- Developer Support: raise and keep a track of all the tickets raised, status & ETA for resolving tickets. You can read more about this feature here
October 10
Included Payment Simulator within Fusion Management Console
Announcement
The updated version of payment simulator can now be accessed via your Fusion Management Console. Refer the user guide for more information on the utility of the tool.
October 6
Added React Native SDKs for Cards
Announcement
You can now utilise the React Native SDKs for Cards module, i.e. cards issuance, lifecycle management & operations, available for the react version 17.0.1 and react-native version 0.64.0. Read more about set up and feature integration here.
September
September 23
Revised the Biometric KYC APIs for the RBL Banks
Feature Update
RBL has revised its Biometric related APIs recently, Fusion has made the corresponding changes for the biometric KYC flow to work as expected. Fintechs can now complete the biometric verification of the account holders hassle-free.
September 15
Enabled Virtual Account Numbers for the Account Holders
Announcement
Fusion now facilitates inward transfers using virtual account numbers. Virtual accounts are non-physical accounts. Virtual account numbers (VANs) are linked to real accounts. So any transfer to a VAN is essentially a transfer to an associated physical account. Virtual accounts are used to receive payments on behalf of the original account. Read more in Dev Guides
September 10
Enhanced Business Metrics' tracking on Report Center
Feature Update
Power center is now updated with AARRR based dashboards which makes the tracking of business metrics easier for fintechs. Read more on Power Centre.
September 9
Added Egress Logs tracking on the Performance Center
Feature Update
Egress logs Dashboard has been made part of the Performance Center. Egress logs has the details of all the logs for the webhook events that have been subscribed by Fintechs. Say, if a Fintech has subscribed to the
Application_Created event then whenever an Application_Created event is generated, fintechs will be able to see whether the communication has been sent to them or not using these logs. As a part of it, we are also capturing Fintech’s response to an event.
August
August 31
Appended RBL’s Aadhaar Biometric KYC Error Codes
Docs Update
The list of error codes for the Aadhaar Biometric KYC with RBL Bank can be referred to from the Error Codes section under API References.
August 20
Inculcated new 5-minute explainer videos on 11 dev guide articles
Docs UpdateThe following pages are now updated with the 5-minute explainer videos to help you get up to speed on the mandate quickly.
Included a Demo section to the website
Docs Update
We have added a new content category to the page- Demos that entails a step wise walkthrough to integrate and build a basic android app using Fusion APIs. Read more about it here
August 16
Listed the Just-in-time Funding, and Gift options under the cookbooks section
Docs Update
The guides for the Fusion API use cases- Just-in Time Funding and Gift options are published for reference under the cookbooks section.
August 13
Added new APIs under API references
Docs UpdateOver 6 APIs have been appended to the API References section as listed below.
| API Section | API Name |
|---|---|
| Application APIs | getAccountHolderVector |
| Account Holder APIs | getAccountHolderByID |
| Account Holder APIs | getAccountHolderByVector |
| Account APIs | Reversals |
| Card APIs | getCard |
| Account APIs | Get balance for Account |
August 03
Fusion has a new home- fusion.tech
Announcement
The Fusion documentation has now shifted to the new address, i.e. https://fusion.tech from the previous domain- fusion.zetaapps.in. Look out for this new website for latest updates and information.
Compliance.fusion.tech is live!
Announcement
As a part of our initiative to enable the fintechs innovate and build compliant apps for different demographics, we have rolled out a parallel subdomain called compliance.fusion.tech that condenses the compliances laid out by the Regulatory authorities for the operation of different fintechs in a more consumable form.
July
July 26
Implemented configurable controls on Card Lifecycle Management
Feature UpdateWe have included more controls for the card lifecycle management- card issuance, replacement, dispatch, and activation, via bin-range card configuration, as below.
| Action | Parameter | Enum Values | Comments |
|---|---|---|---|
| Card Issuance | issuance.allowed |
true/false | for bulk/personalized/embossAndActivate |
| Card Activation | association.allowed |
true/false | for all activation flows |
| Card Replacement | replacement.allowed |
true/false | for replacement flows |
| Card Dispatch | dispatch.allowed |
true/false | for physical card dispatch |
These configurations can be used to control card issuance at a BIN level. Subsequent to RBI’s recent embargo on Mastercard for new issuances, these configs have been used to disable new issuance for all Mastercard BINs.
July 24
Redesigned API references page
Docs Update
The API references page has a new look with more comprehensive parameter descriptions and a dedicated payload sample (the request, the response, and the error) on the right-most column of the page.
July 15
Storing address in POPS for upgrading/onboarding RBL KYC User
Feature Update
Fintechs can now store address fields in Account Holder POPs for the RBL Biometric KYC.
July 8
Enabled Power Center for the Fintechs
Announcement
Using Power center, Fintechs can now track their business metrics to make appropriate and timely business decisions. The Power center is an analytics dashboard that provides advanced insights on products, businesses, and customers. It provides trends across the key metrics and equips fintech with the flexibility to slice data across multiple dimensions such as - date range, product type, etc. The added advantage of intelligent visualization techniques makes insight gathering easier. Read more on Power Centre.
June
June 23
Funding Account Balance Webhook Notifications
AnnouncementThe fintechs can subscribe to the Funding Events’ wherein Fusion will publish notification when the funding account balance goes below the threshold. This will enable the fintechs to improve their user experience and avoid the instances in which the A2A transfers fail due to the lack of sufficient funds in the funding account. Please note that you will receive this notification multiple times until you reload your funding account such that the balance goes above the threshold limit. To subscribe to this event, the fintech needs to provide the below details to the fusion support:
- Threshold: Balance Amount of the funding account below which fintechs would like to receive notifications [Eg: INR 10,000]
- Endpoint: This is the endpoint where fusion will publish the notification whenever the balance goes below the mentioned threshold.
Added the ledger event- ‘LEDGER_POSTING_CREATED’ to fusion events
Docs Update
The webhook description and payload for the event- ‘LEDGER_POSTING_CREATED’ have been updated under the ‘Ledger events’ on Fusion Events. The ‘LEDGER_POSTING_CREATED’ event is triggered whenever a posting is committed successfully.
June 16
Published error messages for Aadhaar XML KYC with RBL bank
Docs Update
The updated list of error codes and the corresponding messages for the Aadhaar XML KYC with the RBL Bank are now available under the API references section as KYC Error Codes: RBL Bank.
May
May 26
Added support for selecting separators while generating reports
Feature Update
Report center users can view the data separated by the delimiter of their choice. While generating reports manually or through a schedule, report center users can now select different separators under the download settings. The supported separators are comma(,), pipe (|), and semicolon(;).
May 24
Updated the Frequently Asked Questions
Docs Update
The common queries related to the topics like account, and account holder sections, are added to the FAQs section to help you troubleshoot better.
May 21
Addition of Performance center on the Fusion Management Console
Feature Update
Performance Center is an Olympus platform’s monitoring tool for application performance, enabling teams to track and monitor the status of their SLAs in one place. Currently, the performance center has been activated on FMC with Ingres Metrics & Logs. We plan to extend Performance center privileges to VBO’s with RED Metrics for different Fusion APIs/Fusion API statistics and logs. You can read more about the performance center here.
May 18
Introduced Passport web application for the Fintechs
Announcement
Passport is a configurable web application for account holders of Fintechs to enhance the user experience of account holders. With a net banking-like interface, the account holders can check out all their cards and accounts with the fintech in one place. For more information refer Guide on Passport
May 13
Published error messages for eKYC with IDFC First bank
Docs Update
The updated list of error codes and the corresponding messages pertaining to the Aadhaar OTP KYC with the IDFC Bank– including the ones from the downstream services such as NSDL and UIDAI, are now available under the API references section as IDFC eKYC Error Codes and under the Dev Guides as Error Codes
May 10
Added cookbook on Transaction Policies
Docs Update
You can now access the Transaction Policies cookbook for the know-how of the policies along with a step-by-step guide on the configuration here.
May 5
Published the list of transfer codes
Docs Update
The dev guides are now updated with the exhaustive list of transfer codes (commonly also referred to as journal codes or voucher codes) that are pivotal in payment-related APIs. You can find these codes here
April
April 30
Added Fusion Management Console(FMC) for the fintechs
Feature Update
Fusion Management Console is the go-to place for the Fusion tenants, i.e. fintechs, to set up and manage their program. Fintechs can now access FMC which currently has the components of the Report center, Support center, and Documentation guide for integration. Read more about Fusion Management Console.
April 29
Improved the search experience on the website
FixedWe have enhanced the search experience for the users on the Fusion docs website.
- You can view the latest pages under recently visited pages in the search dropdown for quick navigation
- You can now use the hotkey- ‘/’ (forward slash) to start searching
- The search results are now displayed on a separate search page classified as under the different sections
April 10
Prepended the developer guides with 5-minute explainer videos
Docs Update
The fusion documentation now has 5-minute explainer videos by fusion’s product team members, for each item to help the reader gain quick context on the concept and the inhalts of the topic. We are adding videos to the pages every month. Look out for videos on Dev Guides.
April 7
Published cookbook for Limit Management
Docs Update
A step by step guide for the fintechs to setup and manage limits with Fusion APIs is now available under the Cookbooks section as Limit Management.
March
March 23
Aadhaar XML based Full KYC for RBL applicants
Feature Update
Fintechs with RBL IFI can now integrate with Fusion Aadhaar XML KYC service to offer a fully digital KYC experience to their applicants without requiring any doorstep agent assistance for the Full KYC.
March 18
Enabled webhook notification for 'shortfall' to 'minimal' KYC upgrade with the RBL bank
Announcement
Fintechs can now subscribe to the webhook for KYC status up-gradation event of an account holder from ‘shortfall’ to ‘minimal’, with the RBL Bank
March 17
VBO tagging for new AH on-boarding using Biometric KYC completed
Fixed
New applicants signing up with RBL Fintechs using Biometric KYC as full KYC mode were not getting mapped to the Fintech appropriately to the fintech post completion of the biometric KYC. This led to the issues where the Fintechs were not able to fetch details of such users with the get account holder endpoints. This issue is fixed now.
Integration and go-live checklist published on Fusion docs
Docs Update
We have added a step-by-step walkthrough for the fintechs on how to go about integrating with Fusion in the Integration and go-live checklist now available in the cookbooks section.
March 15
Published error codes for the APIs
Docs Update
Fintechs can refer to the detailed description of different error codes for each of the API endpoints in one place- the API reference page. Follow the link to view the Generic error codes and the module wise error codes
March 8
Request ID support in Bundles
Announcement
We have added support for RequestID in Bundle Issuance APIs. RequestID can be used to uniquely identify every issuance request and is to be passed in the body parameters of the APIs. It is an optional field. In case it is not explicitly passed in the issuance request, Fusion will generate a unique requestID and return it in the response of the API.
March 5
Addition of a new report– ‘KYC report’ to the report centre
Announcement
We have added a new report to enable the fintechs to get the summary of the account holders created in a period along with the respective KYC statuses and validity details, under the KYC reports. For more details, refer KYC reports.
Feburary
February 26
Feature suggestion board
Docs UpdatePage visitors can suggest improvements and share feedback through the AHA board with the fusion team by–
Feburary 20
Application Dev Guide Published
Docs Update
We have added the Application Dev Guide. These APIs allow more flexibility in the application process and the provisioning workflow.
Feburary 19
Added fields in the report centre for the fintechs
AnnouncementWe have added the below fields to the reports enabling a more comprehensive insight into the program.
| Field Name | Description | Affected Report |
| account_id | Unique identifier for an account |
|
| ah_attributes | Custom account holder attribute passed at the time of account holder creation |
|
| reversaltxnids | The ID of Original transaction for reference, which is populated only if the reversal exists |
|
| merchant_mcc | Merchant Category Code for the merchant where the transaction is done (e.g. 4211) |
|
| merchant_mid | Merchant ID |
|
| rrn | Retrieval reference number for the payment as shared by the network (e.g. 15719447806) |
|
| merchant_tid | Merchant terminal ID |
|
| merchant_city | City where the merchant is located |
|
| merchant_name | Name of the merchant |
|
| transactionid_reversed | The ID of the original transaction for reference purpose. This is populated only if the record is for a reversal. |
|
| product_type | Classification of account product that is being credited/ debited |
|
Feburary 15
Validation on Resource Target URI removed
Announcement
We have removed the validation that resource should be targetURI mapped to an account. Now resource can be created without passing any targetURI value. The only constraint is that targetURI of resource and targetURI of form factor cannot both remain empty.
Feburary 6
Mobile number as a form factor for multiple fintechs
Fixed
An applicant can now register using the same mobile number with different fintechs registered with the same issuing financial institution (IFI). The previous approach of ‘one mobile number-one fintech account with the IFI’ has been discontinued. This will enable using the same mobile number as a form factor for multiple fintechs under the same IFI.
January
January 22
Fusion Service Level Agreements
Docs Update
We have published the standard SLAs under More section. Service Level Agreements (SLA) document defines the acceptable and unacceptable service levels, the indicators associated with these service levels, and actions to be taken in specific circumstances. You can review Acceptable and Unacceptable service levels for your Fusion Program in the SLA section now.
January 20
New User Guides Published
Docs Update
The User Guides for Support Centre , Report Centre Centre and the Standard Report Catalog have been published under Management Console.
December 2020
December 22
Aadhar Biometric KYC - RBL Update
Fixed
The getDetails API from RBL has been modified to fetch the information for a given number to validate whether onboard API of RBL was successful or not.The Real Account Holder can now resume his journey from where they left off in the RBL Biometric flow, which improves the user experience of the Account Holder.
November 2020
November 29
Aadhar Biometric KYC - RBL
Announcement
Aadhar Biometric KYC wth RBL is now supported on Fusion. Fusion provides the APK to third party agents to complete Biometric KYC. The agent collects the biometric input (fingerprint or IRIS) and is authenticated againast the UIDAI Aadhar data. Biometric KYC can be used to ehance the KYC state of Real Account Holder to Full KYC. Read more about Aadhar Biometric KYC - RBL
Transaction API
FixedIn case of any 5XX failure for Account2Account transfer the fintech should be able to verify the status of the transaction. We have added the capability to check the status of the transaction if it gets failed due to 5XX error code.
/transactions/{transactionID} API helps query the transaction_id using the request_id shared by the fintechs. This is useful in case there is a surge in 5XX type failures in A2A transfer.
For A2A transfers, API passes RequestId and IfiID as a query parameter and returns back the transaction_id in case the transaction was successful & “no transaction found against the request id” if the transaction was not processed in Fusion with corresponding error code.
October 2020
October 10
Simple Credit Line Management System
Announcement
SCLMS facilitates maintaining credit line for the accounts and using just in time funding for card transactions performed by the Account holders. Using SCLMS fintechs can maintain credit lines for their account holders as well as orchestrate Just in Time Funding from the credit limit to the account of the account holder. As part of the SCLMS we have added two APIs.
Increase Credit Limit Balance
Feature Update
You can increase the credit limit balance using the /increaseCreditBalance API now in SCLMS.
Pass the currency and amount and payment ID as part of the request body of the API.
Decrease Credit Limit Balance
Feature Update
You can decrease the credit limit balance using the /decreaseCreditBalance API now in SCLMS.
Pass the currency and amount and payment ID as part of the request body of the API.