5、LoanKYCAdd

5.1、LoanKYCAdd interface

URL: https://${domain}/api/pay/addUserForKYC

     Please replace ${domain} with your actual service domain name.

Type:POST

Content-Type:application/json

Description: This API is used to verify and add loan KYC information before initiating a transfer request.

Body-parameters:

Parameter	Type	limit	Required	Description
mchNo	string	32	true	Merchant number
appId	string	32	true	Application ID
mchOrderNo	String	32	true	Merchant order number
accountNo	String	32	true	bank account number
accountName	String	256	true	Payee name
email	String	256	true	Payee email
bankName	String	32	true	bank code (Refer to item 5)
userPhone	String	32	true	Payee’s mobile phone number
taxId	String	32	true	Payee’s idCard number
sign	String	256	true	sign
reqTime	Int	11	true	Request timestamp (seconds)

Request-example:

{
    "mchNo": "M1735112701",
    "appId": "676bb7fefb715596544e2210",
    "mchOrderNo": "PAYOUT_TEST_0009",
    "accountNo": "1234567890",
    "accountName": "test",
    "email": "test@gmail.com",
    "bankName": "001",
    "userPhone": "0123456789",
    "phone": "0123456789",
    "sign": "B5C3EC55B093C9DE54EBB1199D0FFE7D",
    "reqTime": "1739413509"
}

5.1、LoanKYCAdd results

response format:Content-Type:application/json

Response-fields:

Parameter	Type	Description
code	Int	Call result: 0 indicates success, other values ​​indicate failure
data	Object	Contains specific data information
msg	string	Result description
sign	string	Signature, used to verify the integrity and authenticity of data

data object field:

Parameter	Type	Description
name	string	Payee name
bankAccount	string	bank account number
taxId	Long	User ID number
bank	string	Bank Entry
mchOrderNo	string	Merchant order number
state	String	Pending/Active/Failed
telNumber	string	Payee’s mobile phone number

Response-example:

{
    "code": 0,
    "data": {
        "data": {
            "bank": "SCB",
            "bankAccount": "1681239123",
            "dateCreated": "17/10/2025 14:34:46",
            "dateModified": "17/10/2025 14:34:46",
            "id": "336481",
            "name": "sasitorn",
            "receiverType": "Individual",
            "relationship": "DefaultValue",
            "status": "Pending/Active/Failed",
            "taxId": "18238219131",
            "telNumber": "123456778"
        },
        "message": "Success",
        "status": "200"
    },
    "msg": "SUCCESS",
    "sign": "D6C8FCCB187CE946347B36B2CD8E4857"
}

TIP

•After receiving the response, be sure to validate the sign field to ensure the data has not been tampered with.

•Determine the payment status of the current order based on the value of state, and take corresponding business logic processing.

•Use HTTPS protocol to ensure the security of data transmission.