1. Introduction

Does the merchant have a requirement of account verification for registration of loan/insurance & mutual fund account or have a similar workflow? The API from BillDesk helps merchant to verify the authenticity of a customer’s bank account. It works by crediting ₹2.00 to customer's account and verifying the details such as customer account number, IFSC code, and beneficiary name.

The API helps in completing the KYC guidelines for customers who wish to register onto merchant's website/ mobile app to consume their product offerings.

2. Salient Features

Secure way to complete the KYC of the end customers
Helps automate merchant's onboarding process for the customers
Helps reduce fraud & identity theft cases

3. Experience the Product

To get a first hand experience of how the API works, BillDesk requests to go to API Playground.

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API Playground
Experience CX+ – Deep API integration

4. API Orchestration

The orchestration of the APIs/ workflow has been explained below:

AVS can be used with multiple BillDesk workflows. The below table outlines the steps involved in each of these. A detailed explanation of the AVS object is available in the API Explorer section of the BillDesk documentation section and the link to the same has been referenced in the relevant section below:

API Reference	Steps
Create Transaction	• Include the AVS object in the Create Transaction API request body. • Provide the relevant page for the customer to complete the payment. • The transaction will be completed with the requisite checks depending on the payment method.

API Reference

Steps

Create Transaction

• Include the AVS object in the Create Transaction API request body.

• Provide the relevant page for the customer to complete the payment.

• The transaction will be completed with the requisite checks depending on the payment method.