Use Cases
1. Verify recipient information before transferring
The user enters the account number and selects the beneficiary bank → the system calls the transfer-247-inquiry API to retrieve the account holder’s name → the name is displayed for the user to confirm before proceeding with the transfer.
Error Handling
| Code | Description | Resolution |
| ESB.029.02.001 | Bank does not exist | Show message error: TBD by PO |
| ESB.029.02.001 | Invalid Bank | Show message error: TBD by PO |
| ESB.029.02.001 | Request timed out. | Show message error: TBD by PO |
| ESB.029.00.008 | Target service connection error | Show message error: TBD by PO |
| ESB.029.02.001 | [ fieldname] is missing | Show message error: TBD by PO |
| ESB.029.02.001 | Debit account does not exist. | Show message error: TBD by PO |
| ESB.029.02.001 | Invalid account type | Show message error: TBD by PO |
| ESB.029.02.001 | Amount exceeds available balance | Show message error: TBD by PO |
| ESB.029.02.001 | Invalid currency | Show message error: TBD by PO |
| ESB.029.02.001 | Error backend | Show message error: TBD by PO |
| Error code return by Napas | ||
| ESB.029.02.002 (***) | Invalid Account | Show message error: TBD by PO |
(***) Return errors according to each case where Napas responds with code ESB.029.02.002, referring to Napas’s error code table.
2. 24/7 Interbank fund transfer via Mobile Banking
The user selects the source account, enters the beneficiary information and transfer amount → the system calls the transfer-247-payment API to execute the transaction immediately.
Error Handling
| Code | Description | Resolution |
| ESB.029.02.001 | Bank does not exist | Show message error: TBD by PO |
| ESB.029.02.001 | Invalid Bank | Show message error: TBD by PO |
| ESB.029.02.001 | Request timed out. | Show message error: TBD by PO |
| ESB.029.00.008 | Target service connection error | Show message error: TBD by PO |
| ESB.029.02.001 | [ fieldname] is missing | Show message error: TBD by PO |
| ESB.029.02.001 | Debit account does not exist. | Show message error: TBD by PO |
| ESB.029.02.001 | Invalid account type | Show message error: TBD by PO |
| ESB.029.02.001 | Amount exceeds available balance | Show message error: TBD by PO |
| ESB.029.02.001 | Invalid currency | Show message error: TBD by PO |
| ESB.029.02.001 | Error backend | Show message error: TBD by PO |
| Error code return by Napas | ||
| ESB.029.02.002 (***) | Invalid Account | Show message error: TBD by PO |
| ESB.029.02.002 (***) | Invalid partnerMsgId | Show message error: TBD by PO |
| ESB.029.02.003 (***) | Request time out | Show message error: TBD by PO In the case where Napas returns a timeout error, the channel will notify the customer that the transaction is being processed and advise them not to retry to avoid duplicate transactions. |
(***) Return errors according to each case where Napas responds with code ESB.029.02.002, referring to Napas’s error code table.
3. Integrate interbank transfer into partner payment systems
A fintech partner integrates the APIs to allow users to transfer money to accounts at other banks via NCB (which acts as an intermediary payment processor).
4. Send money to family members at night or on weekends
The user needs to send money outside of regular banking hours → they use Mobile Banking to make a quick interbank transfer without time restrictions.
