HomePayment PageAPI ReferenceDiscussions

Wallet

Represents a wallet account that belongs to a customer. Wallet account is valid & usable only when your wallet provider has granted you permission for DIRECT WALLET DEBIT flow. To initiate a direct debit transaction, you need to authenticate and link the wallet with the respective customer account. A linked wallet account will have an associated token with it. Such a token is assigned by JusPay and you must send this token to directly debit from the wallet.

Security

To ensure better security, JusPay will expire the token within 10 minutes of issuance (issued when you call /wallets list API). Also, a token is valid only for single use.

Usage

To allow direct wallet debit, you need to list the wallets of the customer using /wallets. After listing the wallets, you have the following three options available with you:

  1. The wallet is not listed
  • In this case, you need to create a wallet and then link it to allow direct wallet debit. Following are the steps to create and link a wallet:
    1. Call the wallet to create API with a command=authenticate parameter which will send an OTP to the registered mobile of the customer.
    2. Send the OTP back to Juspay using link API. Juspay will authenticate the OTP with the provider and then link the wallet.
  1. The wallet is listed but not linked
  • In this case, you need to create a wallet and then link it to allow direct wallet debit. Following are the steps to create and link a wallet:
    1. Call the wallet authenticate API which will send an OTP to the registered mobile of the customer.
    2. Send the OTP back to Juspay using link API. Juspay will authenticate the OTP with the provider and then link the wallet.
  1. The wallet is listed and already linked
  • In this case, the wallet is already linked and you can use the token to initiate payment on the wallet directly.

After this, we are good to perform transactions via the linked wallet.