Customer Onboarding
Customer creation, KYC verification, and card/wallet issuance workflows for M2P Prepaid Platform.
This section covers the customer creation process, KYC verification, and card/wallet issuance.
Onboarding Flow
Create Customer
Submit Customer Profile
POST /v1/customers/Required Fields:
| Field | Type | Description |
|---|---|---|
firstName | string | Customer first name |
lastName | string | Customer last name |
dateOfBirth | string | Format: dd/MM/yyyy |
gender | string | MALE, FEMALE, OTHER |
email | string | Registered email address |
mobile | object | { value: "9876543210", countryCode: "+91" } |
address | object | Address line, city, state, pincode, country |
kycType | string | FULL_KYC, MIN_KYC, or NO_KYC |
Submit KYC Documents
| Document Type | Accepted IDs | Required For |
|---|---|---|
| Identity Proof | Aadhaar, PAN, Passport, Voter ID, Driving License | All KYC tiers |
| Address Proof | Utility bill, bank statement, Aadhaar | Full KYC |
| Passport | Passport copy | Forex products (mandatory) |
| PAN Card | PAN number | Forex products (mandatory) |
For forex products, both Passport and PAN are mandatory. Missing documents will result in PPCUST_077 error.
KYC Upgrade (Optional)
Upgrade customers from Min KYC to Full KYC to unlock higher limits:
POST /v1/customers/upgrade/kyc| Parameter | Type | Description |
|---|---|---|
entityId | string | Customer entity identifier |
documentType | string | PAN, AADHAR, PASSPORT, DRIVING_LICENCE, VOTER_ID |
documentNumber | string | Document number |
De-Duplication Check
Before creating a new customer, verify they don't already exist:
POST /v1/customers/de-dupe/mobile-pan-details| Parameter | Type | Description |
|---|---|---|
mobile | string | Customer mobile number |
pan | string | PAN card number |
productId | string | Target product |
Duplicate detection prevents PP_CORP_088 (Dedupe failure) and PP_CORP_131 (De-Dupe Check Failed) errors during issuance.
Card / Wallet Issuance
For GPR and corporate card programs:
POST /v1/corporate-issuances/| Parameter | Type | Description |
|---|---|---|
applicationNumber | string | Unique application reference |
issuer.hierarchyId | string | Corporate hierarchy ID |
beneficiaries | array | List of card recipients |
beneficiaries[].customerId | string | Customer ID |
beneficiaries[].productId | string | Product to issue |
ntbApplication | boolean | New-to-bank flag |
Multi-currency forex card issuance with regulatory compliance:
POST /v1/forex/issuance/Additional fields beyond standard issuance:
| Parameter | Type | Description |
|---|---|---|
walletAmount | array | Currency wallets to create (USD, EUR, GBP, etc.) |
funding | object | Funding source (account number, IFSC) |
declarations | object | FATCA, LRS, ITR declarations |
summary | object | Fees, GST, TCS breakdown |
trips | array | Travel details (destination, dates, purpose) |
Cardless digital wallet creation:
POST /v1/wallet-issuances/| Parameter | Type | Description |
|---|---|---|
applicationNumber | string | Unique application reference |
product.productId | string | Wallet product ID |
customer | object | Customer details (mobile, name, KYC) |
loadAmount | number | Initial wallet load amount |
Over-the-counter instant issuance at bank branches:
POST /v1/branch-issuances/Uses pre-printed non-personalized card stock. Kit number is provided at the time of issuance.
Card Activation
After issuance, cards must be activated before use:
POST /v1/customers/activate-card| Parameter | Type | Required | Description |
|---|---|---|---|
cardLastSix | string | Yes | Last 6 digits of card number |
expiryDate | string | Yes | Card expiry (MM/YYYY) |
cvv | string | Conditional | Required if product config mandates |
firstName | string | Conditional | Required per activation rules |
otp | string | Conditional | Required if OTP activation configured |
Activation Methods (configured per product):
| Method | Description |
|---|---|
OTP | Customer enters OTP sent to registered mobile |
FIRST_TXN | Card activates on first successful transaction |
AUTO | Automatic activation on issuance |