1. Overview

This API is use to continue the Payment request if the amount of the transaction over the limit from per transaction amount limit.

2. API Specification

HTTP Method

POST

Endpoint

/open/bi/private/v1.0/debit/verification

SNAP Service Code

54

3. Request

3.1. Request Header

Parameter Name

Type

Length

Required

Description

Sample

1

Authorization

String

163

M

Authorization access token. Bearer type.

Bearer eyJxxxx

2

X-SIGNATURE

String

 2048

M

Integrity check. Using Asymmetric-Signature mechanism to get the token, encrypted with SHA256withRSA.

e.g.

stringToSign = <HTTP Method> + ":" + <Service Endpoint> + ":" + toLowercase(hexEncode(SHA256(minify(<Request Body>)))) + ":" + <X-TIMESTAMP>

X-SIGNATURE = SHA256withRSA(PrivateKey, stringToSign)

eTCtU8YjKpwTzvOpao1g/ZQPxKzbsbVs6iTAAECB40aWoCVptjok59uHnbQemvyn3I0FHX/kreMgXMjhs/9NXYuaz3yBzk8TJ9fyYd6DbeeqDDBpTNVaC2dNjCtIjO1xi7ZJ+DLrqz7Wqwn+PwmY+0HJrbM9al5CS/WvjqFXN5FahIRxUfW8Dt3SQ0JNN/ySkz8ari/g7ygiIaLWZf3dSpACgEANiTFfi8YbAJRlMdoRPzwRups8QBdRce8yyW+RhpiEfTeV0CfLdTBiQ7r1HVCZ3V5iU2VxkKj4lXjwbEAJJm6XeEoXugUuLsOYOa8cKQ4bZ2Nxp+xFW6zd3Yk8lA==

3

X-TIMESTAMP

String

 25

M

Timestamp request. Formatted as yyyy-MM-ddTHH:mm:ssS

2022-09-28T13:00:00+07:00

4

X-CLIENT-KEY

String

32

M

Merchant ID. Provided by Bank.

000580000134

5

X-EXTERNAL-ID

String

36

M

Merchant unique request ID. Must be unique per day.

6

CHANNEL-ID

String

M

Bank Channel ID.

88881

7

Content-Type

String

M

Request body format type.

application/json

3.2. Request Body

Name

Type

Length

Required

Description

1

partnerReferenceNo

String

22

M

Merchant reference number. Should be use the partnerReferenceNo value from previous Payment execution.

2

merchantId

String

32

M

Merchant ID. Provided by BNC.

3

subMerchantId

String

32

O

Sub Merchant ID of the Merchant. This property depends on merchant. Provided by BNC.

4

otp

String

6

M

OTP Code

3.2.1. Sample Request Body

{
    "partnerReferenceNo": "230332344123777071417",
    "merchantId": "000580000134",
    "otp": "123654"
}

4. Response

4.1. Response Body

Name

Type

Length

Required

Description

1

referenceNo

String

22

M

BNC transaction reference.

2

partnerReferenceNo

String

22

M

Merchant reference number.

3

responseMessage

String

200

M

The message corresponding to the response code.

4

responseCode

String

7

M

The BI Snap standard of response code.

5

additionalInfo

Object

O

Additional information

6

-> traceId

String

32

M

BNC trace ID. Used for tracing in case problem happens

4.1.1. Sample Response Body

Success:

{
    "referenceNo": "3001752942663633186817",
    "additionalInfo": {
        "traceId": "2963af326d24d751a641b55e645f2d2d"
    },
    "partnerReferenceNo": "20240201_2",
    "responseMessage": "Successful",
    "responseCode": "2005400"
}

Fail:

{
    "responseMessage": "Inactive Card/Account/Customer",
    "responseCode": "4030418"
}

Error Code

Error Message

Description

1

4045401

Transaction Not Found

The transaction is not found.

2

4095401

Duplicate partnerReferenceNo

The request already submitted and the payload is identical

3

4045415

Invalid OTP

The OTP code is invalid.

4

4035412

OTP Lifetime Expired

The OTP already expired.

6. Reference

Field Code

Field Name

Description

1

M

Mandatory

Mandatory

2

ME

Mandatory Equal

Mandatory Equal – value in the request and the response must be the same.

3

C

Conditional

Conditional

4

CE

Conditional Equal

Conditional Equal – value in the request and the response must be the same.

5

O

Optional

Optional

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