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Loan on Cards - Insta Loan

contains 7 APIs

This product is designed to check eligibility of customer for Insta Loan and enable them to apply for the same.
APIs

7 APIs used

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CC_OTPVal_InstaLoanFulfillment_v2

API display name : OTP Validation and Insta Loan Booking V2
Description : API to validate the OTP and book the Insta Loan and share Loan details in response.
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CC_preExecution_CardVal_OTPGen_v2

API display name : Pre-Execution Card Validation and OTP Generation
Description : API used for pre-execution validation of credit card and generating OTP on successful validation.
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CC_IMPS_Inq

API display name : IMPS Inquiry for Penny Test
Description : API used to inquire Peny Drop transaction status
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CC_IMPS_Txn

API display name : IMPS Transaction for Penny Test
Description : API to validate the beneficiary account through Penny Drop
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CC_OTPVal_CheckEligibility_v2

API display name : OTP Validation and Check Eligibility
Description : API to validate OTP and check and shared the eligibility details of customer for Insta Loan
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cc-checkXSellEligibility-v1

API display name : cc-checkXSellEligibility
Description : This API will be used to check eligibility of customer to get Loan on Card basis mobile no and last 4 digits of credit card.
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Mobile number and last 4 digits of card number are validated and OTP is generated and sent on the mobile number.

OTP entered by customer is validated and eligibility is displayed to the customer and along with it a token is sent which needs to pass in input in next API call

The beneficiary account is validated by performing Rs. 1 transaction and as part of response ID token will be generated which needs to be sent as input in next API call

Next API call is made to inquire the IMPS Peny transaction status and as part of response ID token will be generated which needs to be sent as input in next API call

Card details are validated for which OTP is generated and dispatch to customer mobile no.  as part of response ID token will be generated which needs to be sent as input in next API call

On successful OTP validation Insta Loan is booked and loan details are shared in response.

Use case of this product is with Fintechs, Aggregators and other digital platforms.