feature

Penny Drop

Learn how to initiate Penny Drop and validate the code sent to the applicant. This can be added into an acquisitions journey at any step before requestDecision.

ApplicationPennyDropInitiate

Match the applicant's details to the applicant’s bank account using a third-party integration. If it matches, 1p will be sent to the customer with a code as the reference.

post

/v2/applications/{id}/kycauthentications/pennydrop

See API reference

state

•

string enum

Enum values

initiated

Code Request Successful.

authenticated

Session is Authenticated.

failed

The session has failed.

ApplicationPennyDropValidate

Verify the code provided by the applicant to the code sent to the bank account.

Request Example

Request

1curl --request POST \
2  --url https://dapi.stg-newdaytechnology.net/acquisition/v2/applications/%7Bid%7D/kycauthentications/pennydrop \
3  --header 'Merchant-Id: SOME_STRING_VALUE' \
4  --header 'Session-Id: SOME_STRING_VALUE' \
5  --header 'content-type: application/json' \
6  --data '{"journeyId":"string","bankAccount":"string","sortCode":"string"}'

Response Example

Response

JSON

1{
2  "state": "initiated",
3  "authId": "25d4321e-f980-49d3-983b-4275c49dc2c4",
4  "journeyId": "string",
5  "remainingPasscodes": 0
6}