Internal fund transfer (SA)

Overview

The /inhouse-ft-service API group provides core functionalities for internal fund transfers and digital payments within NCB’s banking system. It supports a variety of financial operations, including internal account transfers, top-up of flexible savings accounts, QR code payments via VNPay, and transfer fee inquiries. These APIs are essential in delivering seamless digital banking services for both individual and business customers.

Why These APIs Are Needed

• Enhanced User Experience: Enables users to perform key financial transactions seamlessly via digital channels.
• Efficient Transaction Handling: Separating APIs by function simplifies system integration, monitoring, and maintenance.
• Supports Diverse Use Cases: From savings top-ups to QR code payments, the APIs cater to a wide range of real-world needs.
• Improved Transparency: Fee inquiry before transactions improves trust and helps users make informed decisions

Key Features

1. Internal Fund Transfer
   • API: /v1/create-inhouse-ft
   • Transfers funds between NCB accounts (within the same bank).
2. Flexible Saving Top-up
   • API: /v1/create-inhouse-flex-ft
   • Enables customers to top up their accumulated (flexible) savings accounts at their convenience.
3. QR Code Payment (VNPay)
   • API: /v1/create-qrft
   • Supports payments via VNPay QR codes for services such as Sun World ticket purchases.
4. Transfer Fee Inquiry
   • API: /v1/inquiry-ft-fee
   • Retrieves the applicable transfer fee before the transaction is executed, ensuring transparency.