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Feature APIs

Fund Top Up - OTP

Fund Top Up is a payment service provided by BPI to its clients which allows Partner Merchant to debit the client's BPI Checking/Saving Account for the purposes of one-time payment to the Partner Merchant. Fund Top Up APIs are secured using 3-Legged OAuth and a valid access token is required to access the APIs. Fund Top Up payment requires multi-factor authentication in the form of one-time PIN (OTP). Sensitive data elements in the APIs like Mobile Number will be tokenized. BPI will provide masked value of of sensitive data (e.g. mobileNumber: +63992****104) for display and tokenized value of sensitive data (e.g. mobileNumberToken: ba7f55d68c9ed67e60a5220c48689189)to be used for subsequent steps. Flow for Fund Top Up: /accounts/transactionalAccounts-> /initiate -> /otp -> /process This endpoint allows client to initiate multi-factor authentication for Fund Top Up payment by triggering One-time PIN (OTP).

Fund Top Up - Process

Fund Top Up is a payment service provided by BPI to its clients which allows Partner Merchant to debit the client's BPI Checking/Saving Account for the purposes of one-time payment to the Partner Merchant. Fund Top Up APIs are secured using 3-Legged OAuth and a valid access token is required to access the APIs. Fund Top Up payment requires multi-factor authentication in the form of one-time PIN (OTP). Sensitive data elements in the APIs like Mobile Number will be tokenized. BPI will provide masked value of of sensitive data (e.g. mobileNumber: +63992****104) for display and tokenized value of sensitive data (e.g. mobileNumberToken: ba7f55d68c9ed67e60a5220c48689189)to be used for subsequent steps. Flow for Fund Top Up: /accounts/transactionalAccounts-> /initiate -> /otp -> /process This endpoint allows client to provide the OTP and complete the Fund Top Up transaction. Upon successful Fund Top Up confirmation number would be provided.

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