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Settlement & fees model

Model

How it works

Amount or Commission

The Polaris should have it's own way of debiting the auth creds (account number), then execute the transfer. Polaris needs to send a share of income to the settlement account at the host which will then be shared with OnePipe, host and ISO

Process flows

Sequence of calls

  1. App of JS calls /transact with the right auth details

  2. Provider responds with WaitingForOTP if not overridden

  3. App calls /transact/validate to supply OTP

  4. Provider responds with any of the completion codes Successful or Failed.

  5. To query the status of a transaction, the app can call /transact/query

  6. Where the provider supports it, the app can call /transact/reverse to request a reversal

The process flow follows the scenario 2 approach, where the provider micro service (optionally) implements 2FA for a given transaction.

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