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Learn how to migrate your existing user's bank accounts from Connect Flow after Customer Profile migration.

Overview

The steps for migrating a Connect user bank account involves calling Create a virtual bank account API correctly.

Step 1 — Retrieve existing user's merchant reference

• Call Get bank transfer instructions with your existing user's
  • merchant_ref
  • X-XFERS-USER-API-KEY or userApiToken

Request

curl --request GET \
     --url https://sandbox.xfers.io/api/v3/user/transfer_info \
     --header 'X-XFERS-USER-API-KEY: 71b72cb775fa0e52d815279c74964f5be18a88b8' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
     "merchant_ref": "UserID000123"
}
'

{
  "unique_id": "98888888", -- handphone number
  "merchant_ref": "UserID000123" -- a unique ID for you to identify this VA
  "wallet_name": "Digital Goods",
  "bank_name_full": "CIMB Bank Berhad",
  "bank_abbrev": "CIMB",
  "bank_name_abbreviation": "CIMB",
  "bank_account_no": "2000492623", -- virtual account number
  "bank_payee_name": "Xfers Pte Ltd",
  "bank_code": "7986",
  "branch_code": "",
  "branch_area": "",
  "img_src": null,
}

Step 2 — Migrate user's bank accounts

curl --request POST \
     --url https://sandbox.xfers.io/api/v3/payment_methods/virtual_bank_accounts \
     --header 'Content-Type: application/json' \
     --header 'X-XFERS-APP-API-KEY: {YOUR_API_KEY}' \
     --header 'accept: application/json' \
     --data '
{
     "data": {
          "attributes": {
               "referenceId": "UserID000123", -- use existing merchant_ref
               "bankShortCode": "FAZZ"
          },
          "relationships": {
               "userApiToken": "71b72cb775fa0e52d815279c74964f5be18a88b8", -- use existing token
               "customerProfile": {
                    "data": {
                         "id": "customer_profile_08d5ffe5-8a02-4dc2-aabb-9057b8ab3c65"
                    }
               }
          }
     }
}
'

{
  "data": {
    "id": "payment_method_ece62c2c-0961-43e7-43d0-0986a1a18b4a",
    "type": "virtual_bank_account",
    "attributes": {
      "referenceId": "ref_dykgxzs2uy",
      "instructions": {
        "bankShortCode": "FAZZ",
        "accountNo": "3225775413709",
        "bank_payee_name": "Xfers Pte Ltd"
      }
    }
  }
}

• To migrate your user's bank accounts and provide payee details for your existing user, initiate a request to create a virtual bank account
• Include existing merchant_refand userApiTokenin the body parameters

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Failure to include the existing merchant_refand user_api_tokenwill result in the bank accounts not being migrated.

Step 3 — Check if bank accounts have been migrated

• After successfully retrieving the virtual account, bank accounts will be migrated and associated to your user's customer profile.
• Retrieve the your user bank accounts to verify if they have been migrated.

curl --request GET \
     --url https://sandbox.xfers.io/api/v3/customer_profile/customer_profile_08d5ffe5-8a02-4dc2-aabb-9057b8ab3c65/bank_accounts \
     --header 'accept: application/json'

Step 4 — Add callback URL

On a successful completion of a deposit transaction, StraitsX will send a callback notification to you via a callback URL indicated on the StraitsX Business Dashboard.

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Add the callback URL on the dashboard to receive a callback when the transaction has been completed.

Step 5a — Make a mock bank transfer (Sandbox)

curl --location --request PUT 'https://sandbox.xfers.io/api/v3/sandbox/customer_profile/customer_profile_08d5ffe5-8a02-4dc2-aabb-9057b8ab3c65/bank_accounts/?verification_status=verified' \
--header 'X-XFERS-APP-API-KEY: t4wsjxpwtk6o9tz20j4baj4ifwibin100py1vrvfsqh'

• In the sandbox environment, you can make a mock bank transfer by initiating a mock bank transfer payment.
• Input a name under source_bank_account_holder_name to test if the sender name is matched correctly to your user's name.

Step 5b — Make a bank transfer (Production)

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Bank Account Verification

Bank accounts will be verified and added to a customer profile on the first deposit when the bank name matches with the customer profile name.

To make a bank transfer payment, your users can deposit funds via their personal bank.

Add payee details example

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For a full list of banks supported by StraitsX, click here.

Step 6 — Confirm deposit has been received

Securing your callback

When the payment is received, we will send a callback to the URL indicated on the StraitsX Business Dashboard. The callback can be verified using the HMAC-SHA256 algorithm.

Learn more about how to secure your callback →

amount=89.35&bank_account_no=0393123432&created_at=2022-03-09T11%3A56%3A17%2B08%3A00&end_to_end_ref=test+comment&fees=0.49&id=contract_7mowjipsez3ryhs9auko03eajihpbeop&idempotency_id=ETA2022030911561153700&merchant_ref=ref_0d1w4m0xepp40&status=completed&type=Direct+bank+transfer

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You may use the merchant_ref parameter to match the incoming bank transfers to verify if you have received the correct amount.

Summary

Next step — Sending a payout

Learn more about how to send a payout to your user's bank account.

Try it out!

Getting started with StraitsX APIs is easy. Our business development and integration teams will be with you every step of the way. If you have any questions or would like to connect with our team, please do so via Support!