Onboarding - NDI
Onboarding refers to the process of bringing a new merchant or business onto a payment processing platform or network. It typically involves gathering information about the merchant such as Business name, Client type, Entity type, Address, Bank details and so on. With the help of onboarding , we can conclude whether the merchants are legitimate, financially stable, and pose an acceptable level of risk to the payment platform.
Onboarding - NDI
POST https://secctrl.tutelar.io/api/v1/onboarding-protect/ndi-analysis
Post parameters description is given below
| Parameter | Type | Is Mandatory | Description |
|---|---|---|---|
merchant_ref_id | String | Yes | It should be unique. It helps to identify the new merchant that comes from which client. |
String | Yes | ||
phone | String | Yes | |
name | String | Yes | |
reseller_trade_name | String | No | |
business | Object | Optional Except (name and address) | If field verification is purchased, address field is mandatory |
entity_type | Object | Yes | |
client_type | Object | No | |
bank_info | Object | No | |
is_field_verify | Boolean | Optional | |
bank_verification_status | Boolean | Yes | |
mcc | Object | Yes |
Sample Post Parameters
{
"merchant_ref_id": "TUTSYED000001",
"email": "syed@gmail.com",
"phone": "7904694204",
"name": "Syed",
"reseller_trade_name": "Ahamed",
"client_type": {
"code": "O96ty9TSb",
"name": "Airlines"
},
"entity_type": {
"code": "YjbIvfvqr",
"name": "Sole Proprietorship"
},
"business": {
"name": "PLAYO",
"trade_name": "PLAYO",
"registration_number": "0952598",
"website_url": "https://nadinitradde.com",
"pan": "ABCDE6689E",
"address": "CHENNAI",
"gst": "33AAHCP1478L1Z6",
"authorized": {
"signatory_1": "syed",
"signatory_2": "",
"signatory_3": ""
}
},
"bank_info": {
"account_number": "1234567894563",
"account_holder_name": "syed",
"ifsc_code": "IFSC0423423",
"bank_name": "kotak"
},
"mcc": {
"mcc_id": "2zYroPJ75",
"mcc_code": "1520",
"mcc_desc": "General Contractors – Residential and Commercial",
"risk_type": "low"
},
"is_field_verify": false,
"bank_verification_status": true
}{
"success": true,
"message": "Merchant created successfully",
"data": {
"link_analysis_report": {
"link_analysis_score": {
"active_link": 20,
"reject_link": 50,
"search_link": 20
},
"search_instances": {
"email": 38,
"address": 38,
"account_number": 38,
"company_name": 38,
"website_url": 28,
"phone": 38,
"pan": 38,
"gst": 39,
"registration_number": 38,
"authorized_signatory_3": 38,
"account_holder_name": 38,
"authorized_signatory_1": 38,
"authorized_signatory_2": 38
},
"reject_link": {
"address": 2,
"pan": 2,
"account_holder_name": 2,
"website_url": 2,
"company_name": 2,
"phone": 2,
"email": 2,
"gst": 2,
"registration_number": 2,
"account_number": 2,
"authorized_signatory_1": 2,
"authorized_signatory_2": 2,
"authorized_signatory_3": 2
},
"active_link": {
"company_name": 2,
"phone": 2,
"email": 2,
"address": 2,
"gst": 2,
"pan": 2,
"account_number": 2,
"registration_number": 2,
"authorized_signatory_1": 2,
"account_holder_name": 2,
"authorized_signatory_2": 2,
"authorized_signatory_3": 2,
"website_url": 1
}
},
"negative_data_report": {},
"merchant_ref_id": "FLIPKART22200",
"consolidate_score": {
"score": 90,
"status": "high"
},
"priority_action": "reject",
"searches": {
"registration_number": {
"search_id": "ZVVfsh0R0",
"search_field_name": "registration_number",
"search_field_value": "924355876577894334240",
"no_of_search": 39,
"merchant_count": 4,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTFRON00001",
"merchant_ref_id": "FLIPKART96450",
"name": "Frontend Vinay",
"last_search": "2023-03-09T17:59:37.440Z",
"no_of_search": 4,
"tag": "PA"
},
{
"merchant_id": "TUTDINE00002",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 22,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 5,
"tag": "PA"
}
]
},
"address": {
"search_id": "PHGMxvij7",
"search_field_name": "address",
"search_field_value": "No. 2A, Annapoorni nagar, Ponniammanmedu, Chennai 600110. ",
"no_of_search": 39,
"merchant_count": 4,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTFRON00001",
"merchant_ref_id": "FLIPKART96450",
"name": "Frontend Vinay",
"last_search": "2023-03-09T17:59:37.440Z",
"no_of_search": 4,
"tag": "PA"
},
{
"merchant_id": "TUTDINE00002",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 22,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 5,
"tag": "PA"
}
]
},
"authorized_signatory_2": {
"search_id": "P0yzBoxKe",
"search_field_name": "authorized_signatory_2",
"search_field_value": "Hari Prasad",
"no_of_search": 39,
"merchant_count": 4,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTFRON00001",
"merchant_ref_id": "FLIPKART96450",
"name": "Frontend Vinay",
"last_search": "2023-03-09T17:59:37.440Z",
"no_of_search": 4,
"tag": "PA"
},
{
"merchant_id": "TUTDINE00002",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 22,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 5,
"tag": "PA"
}
]
},
"pan": {
"search_id": "PHLCoUIXD",
"search_field_name": "pan",
"search_field_value": "ABCDR1232F",
"no_of_search": 39,
"merchant_count": 4,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTFRON00001",
"merchant_ref_id": "FLIPKART96450",
"name": "Frontend Vinay",
"last_search": "2023-03-09T17:59:37.440Z",
"no_of_search": 4,
"tag": "PA"
},
{
"merchant_id": "TUTDINE00002",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 22,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 5,
"tag": "PA"
}
]
},
"authorized_signatory_1": {
"search_id": "2f1kFfb1h",
"search_field_name": "authorized_signatory_1",
"search_field_value": "Sanjays Kumar",
"no_of_search": 39,
"merchant_count": 4,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTFRON00001",
"merchant_ref_id": "FLIPKART96450",
"name": "Frontend Vinay",
"last_search": "2023-03-09T17:59:37.440Z",
"no_of_search": 4,
"tag": "PA"
},
{
"merchant_id": "TUTDINE00002",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 22,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 5,
"tag": "PA"
}
]
},
"authorized_signatory_3": {
"search_id": "YsoutjP2n",
"search_field_name": "authorized_signatory_3",
"search_field_value": "Farid E",
"no_of_search": 39,
"merchant_count": 4,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTFRON00001",
"merchant_ref_id": "FLIPKART96450",
"name": "Frontend Vinay",
"last_search": "2023-03-09T17:59:37.440Z",
"no_of_search": 4,
"tag": "PA"
},
{
"merchant_id": "TUTDINE00002",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 22,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 5,
"tag": "PA"
}
]
},
"account_number": {
"search_id": "3icvbS5r5",
"search_field_name": "account_number",
"search_field_value": "833483423",
"no_of_search": 39,
"merchant_count": 4,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTFRON00001",
"merchant_ref_id": "FLIPKART96450",
"name": "Frontend Vinay",
"last_search": "2023-03-09T17:59:37.440Z",
"no_of_search": 4,
"tag": "PA"
},
{
"merchant_id": "TUTDINE00002",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 22,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 5,
"tag": "PA"
}
]
},
"website_url": {
"search_id": "GfUVdB8gd",
"search_field_name": "website_url",
"search_field_value": "www.flipkart.com",
"no_of_search": 29,
"merchant_count": 3,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTDINE00002",
"merchant_ref_id": "FLIPKART90400",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 16,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 5,
"tag": "PA"
}
]
},
"email": {
"search_id": "jaqTlDFwg",
"search_field_name": "email",
"search_field_value": "flipkarts@gmail.com",
"no_of_search": 40,
"merchant_count": 4,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTFRON00001",
"merchant_ref_id": "FLIPKART96450",
"name": "Frontend Vinay",
"last_search": "2023-03-09T17:59:37.440Z",
"no_of_search": 4,
"tag": "PA"
},
{
"merchant_id": "TUTDINE00002",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 22,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 6,
"tag": "PA"
}
]
},
"account_holder_name": {
"search_id": "Ta54UrZDz",
"search_field_name": "account_holder_name",
"search_field_value": "FlipKart Pvt Ltd",
"no_of_search": 39,
"merchant_count": 4,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTFRON00001",
"merchant_ref_id": "FLIPKART96450",
"name": "Frontend Vinay",
"last_search": "2023-03-09T17:59:37.440Z",
"no_of_search": 4,
"tag": "PA"
},
{
"merchant_id": "TUTDINE00002",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 22,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 5,
"tag": "PA"
}
]
},
"gst": {
"search_id": "KkQ1GYM0K",
"search_field_name": "gst",
"search_field_value": "27AAPFU0939F2ZV",
"no_of_search": 40,
"merchant_count": 4,
"last_search": "2023-03-23T06:50:41.592Z",
"merchants": [
{
"merchant_id": "TUTFRON00001",
"merchant_ref_id": "FLIPKART96450",
"name": "Frontend Vinay",
"last_search": "2023-03-10T04:54:36.363Z",
"no_of_search": 5,
"tag": "PA"
},
{
"merchant_id": "TUTDINE00002",
"name": "Dinesh",
"last_search": "2023-03-17T10:45:54.012Z",
"no_of_search": 22,
"tag": "PA"
},
{
"merchant_id": "TUTFARM00022",
"name": "FARM FRESH MEATS",
"last_search": "2023-03-17T10:54:51.637Z",
"no_of_search": 8,
"tag": "PA"
},
{
"merchant_id": "TUTFIVE00017",
"name": "Five Star Mobiles",
"last_search": "2023-03-23T06:50:41.592Z",
"no_of_search": 5,
"tag": "PA"
}
]
}
}
}
}{
"message": "Invalid authentication credentials"
}{
"success": false,
"message": "NDI Analysis product not subscribed!",
"code": "failure"
}
{
"success": false,
"message": "Merchant reference id already exist",
"code": "failure"
}Last updated