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

App of JS calls /transact with the right auth details
Provider responds with WaitingForOTP if not overridden
App calls /transact/validate to supply OTP
Provider responds with any of the completion codes Successful or Failed.
To query the status of a transaction, the app can call /transact/query
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.