Top-up via Bank
Top-up from a bank account is the way to load money to the user’s system account (wallet) which can be performed with or without bank integration.
SDK.finance platform provides two options to perform the bank top-up:
- Directly without confirmation by the accountant
- With confirmation, when the business user initiates the request and the accountant confirms the request when the bank transfer is received
The customer performs a usual bank transfer to the special transit account with specifying wallet identifier (wallet serial number).
These transfers are processed on the bank side. Then, top-up via bank can be performed in the following ways:
- From the UI
- By calling API manually
- Using bank integration
To be able to perform top-up via bank: - Bank should be added to the system using API POST /bank-catalog
- Operation Top-up via bank should be activated in the commissions on UI or using APIs from the Contract management – commission profiles
- Bank account should be created and linked to the wallet on UI or using Bank accounts management APIs.
Account top-up via bank with Accountant’s confirmation flow:
User chooses the wallet he wants to top-up
2. User requests the operation “Top-up via bank transfer”
3. System shows the bank details (from the list of created banks in the System) for the bank transfer.
4. The user makes a Bank transfer to the received bank details.
5. The top-up transaction’s status: pending
6. The accountant of the platform checks the payment in the separate banking system.
7. When the Accountant confirms receiving the bank transfer – he confirms the top-up in the System.
8. The user’s wallet balance is topped-up for the relevant amount.
Accounting model scheme: Top Up via Bank – OUT commission
