Spice Money -Banking Agent App 图标

Spice Money Adhikari AePS 与汇款数据

Spice Money · 支付

Spice Money -Banking Agent App 是 Spice Money 面向印度银行代理(business correspondent)的 Android 客户端,用户是社区 Adhikari 代理。店主在柜台办理基于 Aadhaar 的 AePS 余额查询、取现、现金存款和迷你对账单,替客户向银行收款人发起国内汇款(DMT),缴纳电费等 BBPS 账单并做预付费充值,持有 Spice Pay PPI 钱包,受理 Axis 与 NSDL CASA 现金存取,刷 MATM/mPOS 设备,并代销黄金、保险与代理贷款。代理用已注册的 Adhikari 编号和密码登录,之后回访可用图案或人脸解锁,随后以 Spice Money Adhikari 身份办理上述业务。该产品仅面向印度市场,与 PayNearby、FinoSaathi、Eko 等服务于同一批社区门店的 BC/代理应用并列,而消费侧的对应物则是各类 UPI 钱包。

Adhikari 的 AePS 回执以 uidai 记录 UIDAI 授权、以 rrn 记录银行检索号,同行还有 stan、terminalId、custName、剩余 balance,取现时另有代理 earning 与 txnCharges。登录 payload 保留 bcAgentId、agentName 与 agentBal;钱包历史行给出 transactionId、transactionType 与 transactionStatus。DMT 确认携带 txnId、ifsc、remitMode 以及分腿 txnDtls.rrn;BBPS 支付返回 billId、billerName、consumerCode、customerConvenienceFees 与 transreferenceId,佣金卡片则把 totalCommission 与 totalCashback 拆开。

核对 AePS 取现规模的分销商 MIS、盯 IMPS 分腿的汇款合规系统、预测 Spice Pay 浮动资金的财资机器人,以及把 BBPS 便利费与 commissionEarned 对账的收入台,都在消费这些对象。openData Studio 将其转化为可调用的开放数据。

应用截图

  • Spice Money -Banking Agent App 应用截图 1
  • Spice Money -Banking Agent App 应用截图 2
  • Spice Money -Banking Agent App 应用截图 3
  • Spice Money -Banking Agent App 应用截图 4
  • Spice Money -Banking Agent App 应用截图 5
  • Spice Money -Banking Agent App 应用截图 6
  • Spice Money -Banking Agent App 应用截图 7

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构,为示意说明,并非实际抓包。

  • Adhikari 代理登录

    POST /v1/agent-sessions/create osint

    为 Adhikari 代理签发会话,返回后续调用使用的 token,以及首页展示用的 bcAgentId、agentName 与 agentBal。

    认证方式: 无需现有会话:使用 bcAgentId 与 password 完成密码授权。响应返回供后续调用使用的 payload.token;另携带 identifier 请求头,RBL 会话还携带 mode=RBLAPP。

    • bcAgentId
    • password
    • responseCode
    • responseDesc
    • responseStatus
    • payload.bcAgentId
    • payload.agentName
    • payload.agentBal
    • payload.token
    • payload.seed
    • payload.hashCount
    • payload.isPatternSet
    • payload.isFaceHashSet
    • payload.serviceName
    POST /v1/agent-sessions/create HTTP/1.1
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001",
      "password": "<demo_password>"
    }
    {
      "responseCode": "00",
      "responseDesc": "SUCCESS",
      "responseStatus": "S",
      "payload": {
        "bcAgentId": "DEMO_AGENT_001",
        "agentName": "DEMO KIRANA",
        "agentBal": "18450.75",
        "token": "<session_token>",
        "seed": "<demo_seed>",
        "hashCount": "1",
        "isPatternSet": "Y",
        "isFaceHashSet": "N",
        "pattern": "",
        "serviceName": "SMA",
        "forDisplay": "Demo Kirana",
        "welcomeVideo": ""
      }
    }
  • 登录前信息 V2

    POST /v1/agent-access/preferences opendata

    在密码界面之前按 Adhikari 编号加载图案/人脸解锁开关与展示名。

    认证方式: 登录前偏好查询无需认证;请求可携带 identifier 请求头。

    • bcAgentId
    • responseCode
    • responseDesc
    • responseStatus
    • payload.bcAgentId
    • payload.forDisplay
    • payload.isPatternSet
    • payload.isFaceHashSet
    • payload.serviceName
    POST /v1/agent-access/preferences HTTP/1.1
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001"
    }
    {
      "responseCode": "00",
      "responseDesc": "SUCCESS",
      "responseStatus": "S",
      "payload": {
        "bcAgentId": "DEMO_AGENT_001",
        "forDisplay": "Demo Kirana",
        "isPatternSet": "Y",
        "isFaceHashSet": "N",
        "serviceName": "SMA"
      }
    }
  • AePS 余额查询

    POST /v1/cash-services/balance-checks openbanking

    提交基于 Aadhaar 的 AePS 余额查询,返回银行余额、RRN、UIDAI 授权、STAN 与终端号,供柜台回执打印。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。 交易同时需要生物特征采集。

    • message
    • status
    • errorCode
    • respCode
    • balance
    • balU
    • rrn
    • stan
    • terminalId
    • uidai
    • cauth
    • custName
    • custBankName
    • bcName
    • bcLocation
    • requestId
    • earning
    • txnCharges
    • aadharNumber
    POST /v1/cash-services/balance-checks HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001",
      "aadharNumber": "XXXXXXXX0000",
      "custName": "DEMO CUSTOMER",
      "bankIin": "SBIN",
      "transAmt": "0"
    }
    {
      "message": "SUCCESS",
      "status": "S",
      "errorCode": "00",
      "respCode": "00",
      "balance": "15420.50",
      "balU": "15420.50",
      "rrn": "DEMO_RRN_001",
      "stan": "DEMO001",
      "terminalId": "DEMO_TERMINAL",
      "uidai": "DEMO_UIDAI_001",
      "cauth": "DEMO_AUTH_001",
      "custName": "DEMO CUSTOMER",
      "custBankName": "State Bank of India",
      "bcName": "DEMO KIRANA",
      "bcLocation": "Bengaluru",
      "date": "2026-10-26",
      "time": "14:32:01",
      "requestId": "REQDEMO001",
      "earning": "0.00",
      "txnCharges": "0.00"
    }
  • AePS 现金取款

    POST /v1/cash-services/withdrawals openbanking

    提交基于 Aadhaar 的 AePS 取现,返回 transAmt、剩余余额、RRN、UIDAI 授权、代理佣金 earning 与 txnCharges。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。 交易同时需要生物特征采集。

    • message
    • status
    • respCode
    • balance
    • transAmt
    • rrn
    • stan
    • terminalId
    • uidai
    • cauth
    • custName
    • custBankName
    • bcName
    • earning
    • txnCharges
    • gstNumber
    • requestId
    • miniStatement.requestId
    • miniStatement.transactionList.date
    • miniStatement.transactionList.transType
    • miniStatement.transactionList.amount
    POST /v1/cash-services/withdrawals HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001",
      "aadharNumber": "XXXXXXXX0000",
      "custName": "DEMO CUSTOMER",
      "bankIin": "SBIN",
      "transAmt": "2000"
    }
    {
      "message": "SUCCESS",
      "status": "S",
      "respCode": "00",
      "balance": "13420.50",
      "transAmt": "2000",
      "rrn": "DEMO_RRN_002",
      "stan": "DEMO002",
      "terminalId": "DEMO_TERMINAL",
      "uidai": "DEMO_UIDAI_002",
      "cauth": "DEMO_AUTH_002",
      "custName": "DEMO CUSTOMER",
      "custBankName": "State Bank of India",
      "bcName": "DEMO KIRANA",
      "bcLocation": "Bengaluru",
      "earning": "8.00",
      "txnCharges": "0.80",
      "gstNumber": "<demo_gst_number>",
      "date": "2026-10-26",
      "time": "14:40:12",
      "requestId": "REQDEMO002",
      "miniStatement": {
        "requestId": "REQDEMO002",
        "transactionList": [
          {
            "date": "26-10-2026",
            "receiptDate": "26-10-2026",
            "transType": "CW",
            "receiptTransType": "Cash Withdrawal",
            "category": "DR",
            "amount": "2000"
          }
        ]
      }
    }
  • AePS 交易页汇总

    POST /v1/agent-metrics/cash-transactions opendata

    加载代理首页 AePS 页签上的今日/昨日笔数与预计交易量。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • responseCode
    • responseDesc
    • responseStatus
    • payload.todayCount
    • payload.yesterdayCount
    • payload.label
    • payload.identifier
    • payload.projectedTxnCount
    POST /v1/agent-metrics/cash-transactions HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001"
    }
    {
      "responseCode": "00",
      "responseDesc": "SUCCESS",
      "responseStatus": "S",
      "payload": {
        "todayCount": "12",
        "yesterdayCount": "9",
        "label": "AePS",
        "identifier": "AEPS",
        "projectedTxnCount": "14"
      }
    }
  • 钱包交易历史

    POST /v1/agent-ledgers/entries openbanking

    分页拉取 Adhikari 钱包流水,含 transactionId、类型、状态、产品与工单标记,供历史界面展示。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • responseCode
    • responseDesc
    • responseStatus
    • WalletHistoryPayload.eof
    • WalletHistoryPayload.notClickableMsg
    • walletHistoryList.leftHeader1
    • walletHistoryList.transactionId
    • walletHistoryList.rightHeader1
    • walletHistoryList.transactionType
    • walletHistoryList.transactionStatus
    • walletHistoryList.product
    • walletHistoryList.transMode
    • walletHistoryList.ticketId
    POST /v1/agent-ledgers/entries HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001"
    }
    {
      "responseCode": "00",
      "responseDesc": "SUCCESS",
      "responseStatus": "S",
      "WalletHistoryPayload": {
        "eof": false,
        "notClickableMsg": "",
        "walletHistoryList": [
          {
            "leftHeader1": "AePS CW",
            "leftHeader2": "26 Oct 2026",
            "transactionId": "TXNDEMO002",
            "rightHeader1": "₹2000",
            "rightHeader2": "SUCCESS",
            "transactionType": "CW",
            "transactionStatus": "SUCCESS",
            "header": "Cash withdrawal",
            "body": "SBI ****0000",
            "footer": "RRN DEMO_RRN_002",
            "isClickable": "Y",
            "icon": "aeps",
            "product": "AEPS",
            "transMode": "BIO",
            "ticketId": "",
            "ticketStatus": ""
          }
        ]
      }
    }
  • 钱包历史汇总

    POST /v1/agent-ledgers/totals openbanking

    读取历史列表上方的钱包汇总卡片:txnAmount、txnType 与当前 balance。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • responseCode
    • responseDesc
    • responseStatus
    • header
    • body
    • footer
    • icon
    • txnAmount
    • txnType
    • balance
    POST /v1/agent-ledgers/totals HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001"
    }
    {
      "responseCode": "00",
      "responseDesc": "SUCCESS",
      "responseStatus": "S",
      "payload": {
        "header": "Today",
        "body": "12 txns",
        "footer": "AePS + DMT",
        "icon": "wallet",
        "txnAmount": "28450.00",
        "txnType": "ALL",
        "balance": "18450.75"
      }
    }
  • Axis CASA 钱包余额

    POST /v1/deposit-float/balances openbanking

    读取 Axis 现金存款钱包浮动资金,供柜台发起 Axis CASA 存款前展示。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • responseCode
    • responseDescription
    • responseStatus
    • balance
    POST /v1/deposit-float/balances HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001"
    }
    {
      "responseCode": "00",
      "responseDescription": "SUCCESS",
      "responseStatus": "S",
      "balance": "6200.00"
    }
  • BBPS 热门出账机构 MDM

    GET /v1/biller-directory/regional-rankings opendata

    返回 BBPS 热门出账机构目录,按类别、城市/邦映射、billerId 与 rank 供账单选择器使用。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • lang
    • respCode
    • respDesc
    • respStatus
    • payload.verDate
    • topBillers.catId
    • mapping.city
    • mapping.state
    • billers.billerId
    • billers.rank
    GET /v1/biller-directory/regional-rankings HTTP/1.1
    token: <session_token>
    identifier: <demo_identifier>
    Accept: application/json
    {
      "lang": "en",
      "respCode": "00",
      "respDesc": "SUCCESS",
      "respStatus": "S",
      "payload": {
        "verDate": "2026-10-01",
        "topBillers": [
          {
            "catId": "ELECTRICITY",
            "mapping": [
              {
                "city": "Bengaluru",
                "state": "KA",
                "billers": [
                  {
                    "billerId": "DEMO_BILLER_001",
                    "rank": 1
                  }
                ]
              }
            ]
          }
        ]
      }
    }
  • BBPS 出账机构 MDM

    GET /v1/biller-directory/records opendata

    下载 BBPS 出账机构主数据,供取账单前解析 billerName 与 category。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • respCode
    • respDesc
    • respStatus
    • payload.verDate
    • billerId
    • billerName
    • category
    GET /v1/biller-directory/records HTTP/1.1
    token: <session_token>
    identifier: <demo_identifier>
    Accept: application/json
    {
      "respCode": "00",
      "respDesc": "SUCCESS",
      "respStatus": "S",
      "payload": {
        "verDate": "2026-10-01",
        "billers": [
          {
            "billerId": "DEMO_BILLER_001",
            "billerName": "Demo Electricity Biller",
            "category": "ELECTRICITY"
          }
        ]
      }
    }
  • BBPS 账单支付

    POST /v1/utility-payments/submit openfinance

    从 Adhikari 钱包缴纳 BBPS 账单,返回 billId、billerName、consumerCode、便利费、approvalNo 与剩余余额。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • responseCode
    • responseDesc
    • responseStatus
    • payload.billId
    • payload.dueDate
    • payload.category
    • payload.billerName
    • payload.consumerCode
    • payload.amount
    • payload.customerName
    • payload.paymentStatus
    • payload.paymentMode
    • payload.totalAmount
    • payload.customerConvenienceFees
    • payload.platformFees
    • payload.transreferenceId
    • payload.approvalNo
    • payload.agentName
    • payload.balance
    • payload.billRefId
    POST /v1/utility-payments/submit HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001",
      "billerId": "DEMO_BILLER_001",
      "consumerCode": "DEMO_CONSUMER",
      "amount": "1850.00"
    }
    {
      "responseCode": "00",
      "responseDesc": "SUCCESS",
      "responseStatus": "S",
      "payload": {
        "billId": "DEMO_BILL_001",
        "dueDate": "2026-11-05",
        "category": "ELECTRICITY",
        "billerName": "Demo Electricity Biller",
        "consumerCode": "DEMO_CONSUMER",
        "amount": "1850.00",
        "billDate": "2026-10-05",
        "customerName": "DEMO CUSTOMER",
        "billPeriod": "Sep 2026",
        "paymentStatus": "SUCCESS",
        "paymentMode": "WALLET",
        "totalAmount": "1865.00",
        "otherCharges": "0.00",
        "customerConvenienceFees": "15.00",
        "platformFees": "0.00",
        "transreferenceId": "BBPSDEMO001001",
        "approvalNo": "DEMO_APPROVAL_001",
        "agentName": "DEMO KIRANA",
        "agentAddress": "DEMO SHOP ADDRESS",
        "transactionDate": "2026-10-26",
        "balance": "16585.75",
        "billRefId": "DEMO_BILL_REF_001",
        "initiatingChannel": "AGT",
        "paymentChannel": "INT"
      }
    }
  • BBPS 佣金收入

    POST /v1/agent-rewards/breakdown opendata

    读取 BBPS 与充值佣金/返现拆分(今日/本月/本年),即收入看板展示内容。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • responseCode
    • responseMessage
    • bbps.totalEarnings.totalEarnings
    • bbps.totalEarnings.totalCommission
    • bbps.totalEarnings.totalCashback
    • bbps.totalEarnings.billsPaid
    • bbps.commissionEarn.today.commissionEarned
    • bbps.commissionEarn.today.billsPaidCount
    • bbps.commissionEarn.month.commissionEarned
    • recharge.totalEarnings.totalEarnings
    POST /v1/agent-rewards/breakdown HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001"
    }
    {
      "responseCode": "00",
      "responseMessage": "SUCCESS",
      "bbps": {
        "totalEarnings": {
          "totalEarnings": "1240.50",
          "totalCommission": "980.00",
          "totalCashback": "260.50",
          "billsPaid": "86",
          "commission": "980.00",
          "cashBack": "260.50"
        },
        "commissionEarn": {
          "today": {
            "text": "Today",
            "billsPaid": "4",
            "billsPaidCount": "4",
            "commissionEarned": "32.00",
            "commissionCount": "4"
          },
          "month": {
            "text": "This month",
            "billsPaid": "86",
            "commissionEarned": "980.00"
          }
        }
      },
      "recharge": {
        "totalEarnings": {
          "totalEarnings": "210.00",
          "totalCommission": "210.00",
          "billsPaid": "18"
        }
      }
    }
  • DMT 汇款确认

    POST /v1/domestic-transfers/confirmations openfinance

    确认一笔国内汇款,返回 txnId、IFSC、汇款方式、手续费/GST 以及分腿 RRN 与状态。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • rc
    • rd
    • rs
    • payload.desc
    • payload.amount
    • payload.bname
    • payload.charges
    • payload.gst
    • payload.ifsc
    • payload.remitMode
    • payload.totalAmt
    • payload.txnId
    • txnDtls.amt
    • txnDtls.rrn
    • txnDtls.status
    • txnDtls.transId
    POST /v1/domestic-transfers/confirmations HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001",
      "amount": "5000",
      "ifsc": "<demo_ifsc>",
      "remitMode": "IMPS"
    }
    {
      "rc": "00",
      "rd": "SUCCESS",
      "rs": "S",
      "payload": {
        "desc": "IMPS credit",
        "lineData": "DEMO CUSTOMER",
        "amount": "5000",
        "bname": "State Bank of India",
        "charges": "12.00",
        "dt": "2026-10-26 14:51:02",
        "gst": "2.16",
        "ifsc": "<demo_ifsc>",
        "remitMode": "IMPS",
        "rmks": "",
        "totalAmt": "5014.16",
        "txnId": "DMTDEMO001001",
        "txnDtls": [
          {
            "amt": "5000",
            "dt": "2026-10-26 14:51:02",
            "remarks": "SUCCESS",
            "rrn": "DEMO_RRN_003",
            "status": "SUCCESS",
            "transId": "IMPSDEMO001"
          }
        ]
      }
    }
  • UTR 银行明细

    POST /v1/funding-references/bank-details openbanking

    按资金请求查询银行/UTR 明细,供代理在回执上核对 rrn、ifsc 与 bname。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • responseCode
    • responseDesc
    • responseStatus
    • payload.txnId
    • payload.bname
    • payload.ifsc
    • payload.rrn
    • payload.amount
    • payload.status
    POST /v1/funding-references/bank-details HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001",
      "txnId": "DMTDEMO001001"
    }
    {
      "responseCode": "00",
      "responseDesc": "SUCCESS",
      "responseStatus": "S",
      "payload": {
        "txnId": "DMTDEMO001001",
        "bname": "State Bank of India",
        "ifsc": "<demo_ifsc>",
        "rrn": "DEMO_RRN_003",
        "amount": "5000",
        "status": "SUCCESS"
      }
    }
  • NSDL CASA 现金存款

    POST /v1/counter-deposits/submit openbanking

    在 Adhikari 柜台提交 NSDL CASA 现金存款,返回 transAmt、剩余余额与 RRN。

    认证方式: 使用 Adhikari 登录返回的会话令牌 payload.token,并携带 identifier 请求头。

    • responseCode
    • responseDesc
    • responseStatus
    • balance
    • transAmt
    • rrn
    • txnId
    • custName
    POST /v1/counter-deposits/submit HTTP/1.1
    token: <session_token>
    Content-Type: application/json
    identifier: <demo_identifier>
    
    {
      "bcAgentId": "DEMO_AGENT_001",
      "transAmt": "3000"
    }
    {
      "responseCode": "00",
      "responseDesc": "SUCCESS",
      "responseStatus": "S",
      "balance": "9200.00",
      "transAmt": "3000",
      "rrn": "DEMO_RRN_004",
      "txnId": "NSDLDEMO001",
      "custName": "DEMO CUSTOMER"
    }

数据类别

  • 余额
  • 交易
  • 身份信息
  • 账单
  • 收款人
  • 佣金

数据使用场景与案例

  • AePS 取现对账

    分销商 MIS 或 BC 网络运营台拉取每日 AePS 流水,将 rrn 与 uidai 同收单银行逐笔核对,并按 earning 减去 txnCharges 与代理钱包 balance / agentBal 轧差结算。

  • DMT 汇款走廊监控

    汇款合规系统监控 FinalTransactionModel 请求体(ifsc、remitMode、amount、txnId)以及分腿 txnDtls.rrn / status,用于标记失败的 IMPS 分腿或反复新增收款人。

  • Adhikari 浮动资金财资管理

    财资机器人读取登录返回的 agentBal、Axis WalletBalResponse.balance 以及钱包汇总的 balance / txnAmount,从而预测 Spice Pay PPI 浮动资金的隔夜结算头寸。

  • BBPS 佣金台

    收入台将 BBPS 的 totalCommission、commissionEarned(今日/本月)与充值 totalEarnings、以及每笔账单 customerConvenienceFees / transreferenceId 对照核对。

常见问题

Spice Money Adhikari 客户端暴露哪些 AePS 操作?

示例接口涵盖余额查询和现金取款。回执字段包括 rrn、uidai、stan、terminalId、custName、bcName 与剩余 balance;取款记录还包括 transAmt、earning 与 txnCharges。

Adhikari 会话是如何建立的?

登录前偏好按 bcAgentId 提供展示名以及 isPatternSet、isFaceHashSet 选项。密码授权随后返回 payload.token、agentName 与 agentBal;后续请求携带会话令牌和 identifier 请求头,AePS 交易还需要生物特征采集。

柜台支付后会带回哪些汇款和账单字段?

DMT 确认返回 rc/rd/rs 以及 payload.txnId、ifsc、remitMode、charges、gst 与 txnDtls.rrn。BBPS 支付返回 billId、billerName、consumerCode、customerConvenienceFees、approvalNo 与 transreferenceId;佣金收入把 bbps 与 recharge 的 totalCommission、totalCashback 拆分。

与 Spice Money -Banking Agent App 相似的应用

  • PayNearby - Aadhaar ATM, DMT — PayNearby 是 Nearby Technologies 面向印度银行代理零售商的 Android 应用,店主通过旁遮普国家银行商户渠道办理 AePS 取现、DMT 汇款、BBPS 账单和店铺 khata 台账。
  • Fino Payments Bank — Fino Payments Bank 的 FinoSaathi 商户计划把杂货店变成银行服务点,可办理 AePS Aadhaar 交易、微型 ATM 取现、IMPS/NEFT 汇款、Aadhaar Pay 以及账单缴纳。
  • Eko — Eko 的零售商平台让店主用客户现金向任意印度银行账户汇款,凭 Aadhaar 办理取现,并为 100 多家出账机构代缴公用事业费。
  • Mitra: Airtel Retailer — Mitra 是 Airtel 面向印度渠道零售商的应用,店主在柜台销售充值、SIM 套餐并办理 Airtel Payments Bank 辅助银行业务。
  • Paytm for Business — Paytm for Business 是 One97 面向印度商户的应用,店铺可通过全能收款码、Soundbox 语音播报和刷卡机收款,并结算到银行账户。
  • BharatPe for Business — BharatPe for Business 面向印度店铺,通过 BharatPe UPI 收款码、刷卡机和语音音箱受理数字支付,并提供相关经营贷款。
  • OkCredit — OkCredit 是面向印度商户的电子赊销台账(khata)应用,在手机上记录客户欠款,并处理 UPI 收款与开票。

相关主题

  • Spice Money API
  • Adhikari AePS 数据
  • DMT 汇款字段
  • BBPS billerId
  • agentBal 钱包浮动
  • AePS uidai rrn
  • Spice Pay PPI
  • 印度银行代理 BC

需要集成这个 App 的数据 API?

我们可为任意指定 App 交付定制集成——源码交付 USD 500 起,或托管 API 按调用计费。告诉我们您需要的数据即可。

  • 每个项目均签 NDA 与 SOW
  • 3–7 天交付
  • 验收通过后才付款
  • 仅在授权范围内作业

获取报价