Introduction

Daytona Capital Management HUB is a structured system that allows Pay-in-Partners, henceforth referred to as Agents to connect to various web based integrations on the DCM system. The Agent will receive DCM rates that will form part of a calculated value which will be passed on to their Customer.

Thereafter, the Agent can connect to DCM's end-point to create transactions with the intention of specifying the Destination country, along with the foreign currency calculated after receiving the rates. All agents can send foreign currency to the specified foreign countries, based on contractual agreements with DCM.

DCM will debit the Agents account based on the USD value of the foreign amount, this includes the calculated rate, with added mark-up at the point of transaction settlement. This added mark- up is subject to change without prior notice to the agents.

Differences between Inwards and outwards methods

• Inwards - Transactions routed to pay out in South Africa. Currently only bank account transfer is supported.
• Outwards - Transactions to pay out in the rest of the world. Supports COTC, Bank Account and Mobile Wallet transfers.

Integration

Agents that will be integrating with DCM are advised to prepare the following before beginning the integration:

• IP Address for QA/Test environment
• IP Address for Production environment
• Initial technical call for introduction
• Demonstration of the agent system
• Technical contact list
• Managerial contact list
• Means of contact during integration (E.g. Slack, Skype, WhatsApp etc.)

Testing environment

DCM testing environment is open to all agents integrating with DCM to send through test transaction data which will be transferred to the pay-out partner’s test environment.

DCM Testing environment endpoint:

https://dcmtest.nvizible.co.za/{Location}/{Resource}/

Production environment

DCM production environment constitutes the ability to create transactions with the intent on routing the transactions to the specified Pay-Out country based on the fields specified in the “Payload” section of this Integration Document. The production environment is a fully tested, robust platform with 24/7 access, and a dedicated production support team for any queries an Agent might have.

DCM Production environment endpoint:

https://dcm.daytonacap.com/v2/{Location}/{Resource}/

Authentication

DcmLogin

"DcmLogin" : {
        "userId": "*********"
}

All requests made to the DCM system will be authenticated with basic https authentication including the username and password given to the Agent once a contract is signed with DCM.

The DcmLogin object nested in the DcmRequest is used as additional authentication. The value of the userId payload parameter will be given to the agent once the contract has been signed with DCM.

• Test credentials will be sent when the agreement to start development has begun.
• Production credentials will be sent only when the DCM team has signed off that all test cases and all development has been done to their satisfaction.

Flow

Inwards Methods (South African Account)

PostTransaction and RetryTransaction

DCM inwards example request

curl --location --request POST 'https://dcmtest.nvizible.co.za/api/postTransaction' \
--header 'Authorization: Basic encodedUserPass' \
--header 'Content-Type: application/json' \
--data-raw '{
  "DcmRequest": [
    {
      "ReferenceNo": "dcmqa10131409",
      "PayoutType": "BankAccount",
      "PayoutCountry": "ZA",
      "RoutingCode": "HPI001",
      "BankRoute": "HPI01",
      "ForeignCurrency": "ZAR",
      "ForeignAmount": "2500.00",
      "RemitPurpose": "Gift",
      "SenderFirstName": "Laveen",
      "SenderLastName": "Tepan",
      "SenderMSISDN": "0874464125",
      "SenderAddress": "70 Blue Street",
      "SenderAddressCountry": "PAK",
      "BeneficiaryFirstName": "Divey",
      "BeneficiaryLastName": "Jain",
      "BeneficiaryMsisdn": "0842234453",
      "BeneficiaryAccountNo": "123456789",
      "BeneficiaryBranchCode": "683000",
      "BeneficiaryAddress": "1234 Long Street",
      "BeneficiaryEmail" : "abc@test.com"
      "BeneficiaryNationalityCountryISOCode": "ZAF",
      "CustomerDateOfBirth": "1975-05-05",
      "CustomerIdExpiryDate": "2020-12-14",
      "SubAgent": "Originating Bank",
      "DcmLogin": {
        "userId": "*********"
      }
    }
  ]
}'

Example response

{
  "DcmResponse": {
    "responseCode": "206",
    "responseMessage": "Success",
    "payoutPartnerRef": "HPI59F60FB8D1DB5",
    "DCode": "00001217008480681685",
    "payOutPartnerRefName": "HPTransactionId",
    "DcmTransactionFee": "0.00",
    "Rate": "14.567240000000",
    "payInPartnerRef": "dcmqa10131409"
  }
}

The PostTransaction endpoint is used to create transactions on the DCM server with the intent of specifying information needed to have the amount in foreign currency paid out to the specified foreign country. This is a 2-tier method, where the creation and confirmation of a transaction is combined into one method. The result of this method is a

• status code
• Response message
• pay-out partner reference number

The response also includes a DCode, which is to be stored as it will be used in future transactions (E.g. Retry & CheckStatus). The response payload will also include the rate used when calculating the USD equivalent of the foreign amount sent, which is debited from the Agent’s account.

URL for Post Transaction:

 QA : https://dcmtest.nvizible.co.za/api/postTransaction

 Production : https://dcm.daytonacap.com/v2/api/postTransaction

URL for Retry Transaction:

 QA : https://dcmtest.nvizible.co.za/api/retry

 Production : https://dcm.daytonacap.com/v2/api/retry

CheckStatus

DCM inwards example request

curl --location --request POST 'https://dcmtest.nvizible.co.za/api/checkStatus' \
--header 'Authorization: Basic encodedUserPass' \
--header 'Content-Type: application/json' \
--data-raw '{
  "DcmRequest": [
    {
      "ReferenceNo": "dcmqa101296",
      "RoutingCode": "HPI001",
      "BankRoute": "HPI01",
      "Action": "checkStatus",
      "DCode": "00001296477885430696",
      "DcmLogin": {
        "userId": "*********"
      }
    }
  ]
}'

Example response

{
  "DcmResponse": {
    "responseCode": "206",
    "responseMessage": "Sent to partner. Awaiting confirmation",
    "payoutPartnerRef": "HPI38305697CC6BCE",
    "DCode": "00006027797912219463",
    "payOutPartnerRefName": "HPTransactionId",
    "DcmTransactionFee": "0.00",
    "Rate": "14.567240000000",
    "payInPartnerRef": "dcmqa101287"
  }
}

The checkStatus endpoint is used to check the status of the transaction, after doing a PostTransaction call. The check status method will return the current status of the transaction within the DCM system, or will return the status of the transaction with the pay-out partner’s system.

URL for Check Status:

 QA : https://dcmtest.nvizible.co.za/api/checkStatus

 Production : https://dcm.daytonacap.com/v2/api/checkStatus

CancelTransaction

Please note that Cancellation will be a manual process unless advised by DCM Team, please liaise with the DCM support team.

CheckAgentBalance

Request example

curl --location --request POST 'https://dcmtest.nvizible.co.za/api/checkAgentBalance' \
--header 'Authorization: Basic encodedUserPass' \
--header 'Content-Type: application/json' \
--data-raw '{
  "DcmRequest": [
    {
      "DcmLogin": {
        "userId": "*********"
      }
    }
  ]
}'

Example response

{
  "DcmResponse": {
    "responseCode": "200",
    "responseMessage": "Success",
    "payoutPartnerRef": "",
    "DCode": "",
    "localCurrency": "ZAR",
    "countryCode": "ZA",
    "foreignBalance": "14867.150000000000",
    "usdBalance": "1000.000000000000",
    "payOutPartnerRefName": "",
    "payInPartnerRef": ""
  }
}

The checkAgentBalance endpoint can be called by the Agent at any interval, usually every 3 hours, to check the balance of the Agent’s account with DCM in USD and the equivalent balance in the Agent’s local currency.

URL for checkAgentBalance:

 QA : https://dcmtest.nvizible.co.za/api/checkAgentBalance

 Production : https://dcm.daytonacap.com/v2/api/checkAgentBalance

GetAgentRates

Request example

curl --location --request GET 'https://dcmtest.nvizible.co.za/api/getagentrates' \
--header 'Authorization: Basic encodedUserPass'

Example response

{
  "responseCode": 200,
  "DcmResponse": [
    {
      "Currency": "XOF",
      "Rate": 429
    },
    {
      "Currency": "USD",
      "Rate": 1
    },
    {
      "Currency": "EUR",
      "Rate": 1.187
    }
  ]
}

The getAgentRates endpoint can be called by the Agent at any interval, this method is to check the current rate of the destination currency with DCM in USD. We recommend checking the current rate as per agreement with DCM Team.

URL for getAgentRate::

 QA : https://dcmtest.nvizible.co.za/api/getagentrates

 Production : https://dcm.daytonacap.com/v2/api/getagentrates

GetAgentBanks

Request example

curl --location --request GET 'https://dcmtest.nvizible.co.za/api/getAgentBanks' \
--header 'Authorization: Basic encodedUserPass' \
--header 'Content-Type: application/json' \
--data-raw '{
  "DcmRequest": [
    {
      "DcmLogin": {
        "userId": "*********"
      }
    }
  ]
}'

Example response

{
  "responseCode": "200",
  "DcmResponse": {
    "FromDate": {
      "date": "2016-07-29 15:49:52.000000",
      "timezone_type": 3,
      "timezone": "Africa/Johannesburg"
    },
    "Updated": [
      {
        "BankName": "Janata Bank",
        "BankRoute": "JANA",
        "BankType": "COTC",
        "AllowsQuote": false,
        "bankBranches": [
          {
            "BranchName": null,
            "BranchCode": null,
            "Country": "BANGLADESH",
            "Description": null,
            "BankRoute": "JANA"
          }
        ]
      },
      {
        "BankName": "Brac Bank",
        "BankRoute": "MT12",
        "BankType": "COTC",
        "AllowsQuote": true,
        "bankBranches": [
          {
            "BranchName": "HEAD OFFICE",
            "BranchCode": "BD010001",
            "Country": "BANGLADESH",
            "Description": "Use UAT file for beneficiary details",
            "BankRoute": "MT12"
          },
          {
            "BranchName": "TEJGAON DHAKA",
            "BranchCode": "BD0301029",
            "Country": "BANGLADESH",
            "Description": "Use UAT file for beneficiary details",
            "BankRoute": "MT12"
          }
        ]
      },
      {
        "BankName": "Capital Bank Botswana",
        "BankRoute": "CBBP",
        "BankType": "COTC",
        "AllowsQuote": false,
        "bankBranches": [
          {
            "BranchName": null,
            "BranchCode": null,
            "Country": "BOTSWANA",
            "Description": null,
            "BankRoute": "CBBP"
          }
        ]
      },
      {
        "Disabled": [
          {
            "BankName": "Post Office Savings Bank",
            "BankRoute": "MT37",
            "BankType": "BankAccount",
            "AllowsQuote": true,
            "bankBranches": [
              {
                "BranchName": "ALL BRANCHES",
                "BranchCode": "081",
                "Country": "SINGAPORE",
                "Description": "Use UAT file for beneficiary details",
                "BankRoute": "MT37"
              }
            ]
          }
        ]
      }
    ]
  }
}

The getAgentBanks endpoint can be called by the Agent, this method is to check the current banks with corridors that DCM offers to the Agent. The getBanks call will provide the agent with different responses when doing the call

1. Initial Call – the initial call will result in getting all of the banks DCM has to offer the agent, The agent will need to store the list of banks on their system after the first call as the next calls will not include the initial list

2. Any calls after the initial getBanks call will result in either an updated bank list or disabled bank list which the agent will need to update on their side once called if any data has changed.

3. The updated and disable keys will always remain in the response, even if the list is blank or with data

The Bank response will include the following for each bank:

• BankName
• BankRoute
• BankType
• AllowsQuote

Each bank that has a branch/branches associated with it will include the following:

• BranchName
• BranchCode
• Country
• BankRoute
• Description (A brief comment on the branch if needed)

URL for getAgentBanks

 QA : https://dcmtest.nvizible.co.za/api/getAgentBanks

 Production : https://dcm.daytonacap.com/v2/api/getAgentBanks

Outwards Methods

Agent PostTransaction

DCM outwards example request

curl --location --request POST 'https://dcmtest.nvizible.co.za/api/postTransaction' \
--header 'Authorization: Basic encodedUserPass' \
--header 'Content-Type: application/json' \
--data-raw '{
  "DcmRequest": [
    {
      "PayoutType": "BankAccount",
      "ReferenceNo": "11422000000056",
      "ForeignCurrency": "BDT",
      "ForeignAmount": "1200.89",
      "RemitPurpose": "Family",
      "BeneficiaryFirstName": "Fred Stoney",
      "BeneficiaryLastName": "Flintstone",
      "BeneficiaryMSISDN": "8801758724781",
      "BeneficiaryNationalityCountryISOCode": "BGD",
      "BeneficiaryAccountNo": "123456789",
      "BeneficiaryBranchCode": "BD0301029",
      "BranchCode": "BD0301029",
      "BeneficiaryBranchName": "DHAKA",
      "BeneficiaryAddress": "Bangladesh",
      "SenderFirstName": "Mickey",
      "SenderLastName": "Mouse",
      "SenderMSISDN": "44835578009",
      "SenderAddress": "United Kingdom",
      "SenderAddressStreet": "Aurora Street",
      "SenderCountryCode": "GB",
      "SenderAddressCity": "London",
      "SenderNationalityCountryISOCode": "GBR",
      "SenderAddressCountry": "United Kingdom",
      "SenderCurrency": "GBP",
      "SenderCountry": "GBR",
      "SenderCity": "London",
      "SenderAddressZIP": "tH4 5BX",
      "SenderGender": "M",
      "SenderProvinceState": "Oxfordshire",
      "Suburb": "London",
      "StreetNo": "69",
      "BuildingNo": " 69",
      "SenderIdCountryISOCode": "GBR",
      "SenderId": "9307068907098",
      "CustomerDateOfBirth": "1990-01-08",
      "CustomerIdExpiryDate": "2022-10-10",
      "CustomerNationalityCode": "GB",
      "CustomerIdIssueDate": "1995-05-05",
      "CustomerIDType": "53",
      "CustomerAddressCity": "London",
      "CustomerIdIssuedAt": "GB",
      "CustomerAddressCountryCode": "GB",
      "IdType": "2",
      "PayoutCountry": "BD",
      "BranchName": "TEJGAON DHAKA",
      "AccountTtile": "Brac Bank Limited",
      "RoutingCode": "DCM001",
      "BankRoute": "MT12",
      "SubAgent": "Originating Bank",
      "DcmLogin": {
        "userId": "*********"
      }
    }
  ]
}'

Example response

{
  "DcmResponse": {
    "responseCode": "200",
    "responseMessage": "Success",
    "payoutPartnerRef": "HPY000001061",
    "DCode": "00001786794636911470",
    "payOutPartnerRefName": "PIN",
    "payInPartnerRef": "11422xxxxxx"
  }
}

The PostTransaction endpoint is used to create transactions on the DCM server with the intent of specifying information needed to have the amount in foreign currency paid out to the specified foreign country. This is a 2-tier method, where the creation and confirmation of a transaction is combined into one method. The result of this method is a

• status code
• Response message
• pay-out partner reference number

The response also includes a DCode, which is to be stored as it will be used in future transactions (E.g. CheckStatus). The response payload will also include the rate used when calculating the USD equivalent of the foreign amount sent, which is debited from the Agent’s account.

URL for Post Transaction:

 QA : https://dcmtest.nvizible.co.za/api/postTransaction

 Production : https://dcm.daytonacap.com/v2/api/postTransaction

URL for Retry Transaction:

 QA : https://dcmtest.nvizible.co.za/api/retry

 Production : https://dcm.daytonacap.com/v2/api/retry

Agent CheckStatus

Example request

curl --location --request POST 'https://dcmtest.nvizible.co.za/api/checkStatus' \
--header 'Authorization: Basic encodedUserPass' \
--header 'Content-Type: application/json' \
--data-raw '{
  "DcmRequest": [
    {
      "ReferenceNo": "11422xxxxxxxxxxx",
      "DCode": "00001786794636911470",
      "RoutingCode": "DCM001",
      "BankRoute": "STBL",
      "DcmLogin": {
        "userId": "HEADOFFICE"
      }
    }
  ]
}'

Example response

{
  "DcmResponse": {
    "responseCode": "206",
    "responseMessage": " Sent to Partner. Awaiting Confirmation",
    "payoutPartnerRef": "HPY000001061",
    "DCode": "00001786794636911470",
    "payOutPartnerRefName": "PIN",
    "payInPartnerRef": "11422xxxxxx"
  }
}

The checkStatus endpoint is used to check the status of the transaction, after doing a PostTransaction call. The check status method will return the current status of the transaction within the DCM system, or will return the status of the transaction with the pay-out partner’s system.

URL for Check Status:

 QA : https://dcmtest.nvizible.co.za/api/checkStatus

 Production : https://dcm.daytonacap.com/v2/api/checkStatus

Agent CancelTransaction

Please note that Cancellation will be a manual process unless advised by DCM Team, please liaise with the DCM support team.

Agent CheckAgentBalance

Example request

curl --location --request GET 'https://dcmtest.nvizible.co.za/api/checkAgentBalance' \
--header 'Authorization: Basic encodedUserPass' \
--header 'Content-Type: application/json' \
--data-raw '{
  "DcmRequest": [
    {
      "DcmLogin": {
        "userId": "*********"
      }
    }
  ]
}'

Example response

{
  "DcmResponse": {
    "responseCode": "200",
    "responseMessage": "Success",
    "payoutPartnerRef": "",
    "DCode": "",
    "localCurrency": "ZAR",
    "countryCode": "ZA",
    "foreignBalance": "14867.150000000000",
    "usdBalance": "1000.000000000000",
    "payOutPartnerRefName": "",
    "payInPartnerRef": ""
  }
}

The checkAgentBalance endpoint can be called by the Agent at any interval, usually every 3 hours, to check the balance of the Agent’s account with DCM in USD and the equivalent balance in the Agent’s local currency.

URL for checkAgentBalance:

 QA : https://dcmtest.nvizible.co.za/api/checkAgentBalance

 Production : https://dcm.daytonacap.com/v2/api/checkAgentBalance

Agent GetAgentRates

Get Agent Rates - Example request

curl --location --request GET 'https://dcmtest.nvizible.co.za/api/getagentrates' \
--header 'Authorization: Basic encodedUserPass'

Get Agent Rates - Example response

{
  "responseCode": 200,
  "DcmResponse": [
    {
      "Currency": "XOF",
      "Rate": 429
    },
    {
      "Currency": "USD",
      "Rate": 1
    },
    {
      "Currency": "EUR",
      "Rate": 1.187
    }
  ]
}

The getAgentRates endpoint can be called by the Agent at any interval, this method is to check the current rate of the destination currency with DCM in USD. We recommend checking the current rate as per agreement with DCM Team.

URL for getAgentRate:

 QA : https://dcmtest.nvizible.co.za/api/getagentrates

 Production : https://dcm.daytonacap.com/v2/api/getagentrates

Agent GetAgentRates V3

Get Agent Rates v3 - Example request

curl --location --request GET 'https://dcmtest.nvizible.co.za/api/getagentratesv3'
--header 'Authorization: Basic encodedUserPass'

Get Agent Rates v3 - Example response

{
  "responseCode": 200,
  "DcmResponse": [
    {
      "BankRates": {
        "BankAccount": [
          {
            "MT12": 86.598
          }
        ],
        "Mobile Wallet": [],
        "COTC": [
          {
            "JANA": 85.768
          }
        ]
      },
      "Currency": "BDT",
      "Rate": 84.051
    }
  ]
}

The getAgentRates version 3 endpoint can be called by the Agent at any interval, this method is to check the current rate of the destination currency and the current rate of the bank route with DCM, in USD. We recommend checking the current rate as per agreement with DCM Team.

URL for getAgentRateV3:

 QA : https://dcmtest.nvizible.co.za/api/getagentratesv3

 Production : https://dcm.daytonacap.com/v2/api/getagentratesv3

Agent GetAgentBanks

Get Agent Banks - Example request

curl --location --request GET 'https://dcmtest.nvizible.co.za/api/getAgentBanks' \
--header 'Authorization: Basic encodedUserPass' \
--header 'Content-Type: application/json' \
--data-raw '{
  "DcmRequest": [
    {
      "DcmLogin": {
        "userId": "*********"
      }
    }
  ]
}'

Get Agent Banks - Example response

{
  "responseCode": "200",
  "DcmResponse": {
    "FromDate": {
      "date": "2016-07-29 15:49:52.000000",
      "timezone_type": 3,
      "timezone": "Africa/Johannesburg"
    },
    "Updated": [
      {
        "BankName": "Janata Bank",
        "BankRoute": "JANA",
        "BankType": "COTC",
        "AllowsQuote": false,
        "bankBranches": [
          {
            "BranchName": null,
            "BranchCode": null,
            "Country": "BANGLADESH",
            "Description": null,
            "BankRoute": "JANA"
          }
        ]
      },
      {
        "BankName": "Brac Bank",
        "BankRoute": "MT12",
        "BankType": "COTC",
        "AllowsQuote": true,
        "bankBranches": [
          {
            "BranchName": "HEAD OFFICE",
            "BranchCode": "BD010001",
            "Country": "BANGLADESH",
            "Description": "Use UAT file for beneficiary details",
            "BankRoute": "MT12"
          },
          {
            "BranchName": "TEJGAON DHAKA",
            "BranchCode": "BD0301029",
            "Country": "BANGLADESH",
            "Description": "Use UAT file for beneficiary details",
            "BankRoute": "MT12"
          }
        ]
      },
      {
        "BankName": "Capital Bank Botswana",
        "BankRoute": "CBBP",
        "BankType": "COTC",
        "AllowsQuote": false,
        "bankBranches": [
          {
            "BranchName": null,
            "BranchCode": null,
            "Country": "BOTSWANA",
            "Description": null,
            "BankRoute": "CBBP"
          }
        ]
      },
      {
        "Disabled": [
          {
            "BankName": "Post Office Savings Bank",
            "BankRoute": "MT37",
            "BankType": "BankAccount",
            "AllowsQuote": true,
            "bankBranches": [
              {
                "BranchName": "ALL BRANCHES",
                "BranchCode": "081",
                "Country": "SINGAPORE",
                "Description": "Use UAT file for beneficiary details",
                "BankRoute": "MT37"
              }
            ]
          }
        ]
      }
    ]
  }
}

The getAgentBanks endpoint can be called by the Agent, this method is to check the current banks with corridors that DCM offers to the Agent. The getBanks call will provide the agent with different responses when doing the call

1. Initial Call – the initial call will result in getting all of the banks DCM has to offer the agent, The agent will need to store the list of banks on their system after the first call as the next calls will include the initial list

2. Any calls after the initial getBanks call will result in either an updated bank list or disabled bank list which the agent will need to update on their side once called if any data has changed.

3. The updated and disable keys will always remain in the response, even if the list is blank or with data

The Bank response will include the following for each bank:

• BankName
• BankRoute
• BankType
• AllowsQuote

Each bank that has a branch/branches associated with it will include the following:

• BranchName
• BranchCode
• Country
• BankRoute
• Description (A brief comment on the branch if needed)

URL for getAgentBanks

 QA : https://dcmtest.nvizible.co.za/api/getAgentBanks

 Production : https://dcm.daytonacap.com/v2/api/getAgentBanks

Quote & Pay

The Quote and Pay endpoint can be called by the Agent at any interval, this method is to check the current rate of the destination currency with DCM in USD. We recommend to check the current rate as per agreement with DCM Team.

 QA : https://dcmtest.nvizible.co.za/api/postTransaction

 Production : https://dcm.daytonacap.com/v2/api/postTransaction

Payload parameters The payload parameters for the get quote function is the same as the post transaction and cancel transaction payload, The Agent will need to pass one additional parameter in the payload called SecondaryAction

Get Quote

Get Quote - Example payload

{
  "DcmRequest": [
    {
      "PayoutType": "COTC",
      "SecondaryAction": "GetQuote",
      "ReferenceNo": "Movee100000532",
      "ForeignCurrency": "BDT",
      "ForeignAmount": "1200.89",
      "RemitPurpose": "Family",
      "BeneficiaryFirstName": "Bruce",
      "BeneficiaryLastName": "Banner",
      "BeneficiaryMSISDN": "8801758724781",
      "BeneficiaryNationalityCountryISOCode": "BGD",
      "BeneficiaryBranchCode": "PPIBDANY00",
      "BeneficiaryBranchName": "Head Office",
      "BeneficiaryAddress": "Bangladesh",
      "SenderFirstName": "Mickey",
      "SenderLastName": "Mouse",
      "SenderMSISDN": "44835578009",
      "SenderAddress": "United Kingdom",
      "SenderAddressStreet": "Aurora Street",
      "SenderCountryCode": "GB",
      "SenderAddressCity": "London",
      "SenderNationalityCountryISOCode": "GBR",
      "SenderAddressCountry": "United Kingdom",
      "SenderCurrency": "GBP",
      "SenderCountry": "GBR",
      "SenderCity": "London",
      "SenderAddressZIP": "tH4 5BX",
      "SenderGender": "M",
      "SenderProvinceState": "Oxfordshire",
      "Suburb": "London",
      "StreetNo": "69",
      "BuildingNo": "69",
      "SenderIdCountryISOCode": "GBR",
      "SenderId": "9307068907098",
      "CustomerDateOfBirth": "1990-01-08",
      "CustomerIdExpiryDate": "2022-10-10",
      "CustomerNationalityCode": "GB",
      "CustomerIdIssueDate": "1995-05-05",
      "CustomerIDType": "53",
      "CustomerAddressCity": "London",
      "CustomerIdIssuedAt": "GB",
      "CustomerAddressCountryCode": "GB",
      "IdType": "2",
      "PayoutCountry": "BD",
      "BranchCode": "PPIBDANY00",
      "BranchName": "Head Office",
      "AccountTtile": "Janata Bank",
      "RoutingCode": "DCM001",
      "BankRoute": "JANA",
      "SubAgent": "Originating Bank",
      "DcmLogin": {
        "userId": "{{AgentUserId}}"
      }
    }
  ]
}

Get Quote - Example Response

{
  "DcmResponse": {
    "responseCode": "200",
    "responseMessage": "Success",
    "payoutPartnerRef": "1900016055",
    "DCode": "GetQuote_TRANSACTION",
    "payOutPartnerRefName": "",
    "payInPartnerRef": "11422000000056"
  }
}

The get quote function is when an agent creates a quote for the first time. The quote is based off a specific list of banks that allow the quote function. The list will be provided to the agent via an excel list or the get banks call.

When doing a quote function you will need to insert the parameter SecondaryAction: GetQuote in the post transaction method.

Confirm Quote

Confirm Quote - Example payload

{
    "DcmRequest": [
        {
            "PayoutType": "COTC",
            "SecondaryAction": "confirmQuote",
            "ReferenceNo": "Movee100000532",
            "ForeignCurrency": "BDT",
            "ForeignAmount": "1200.89",
            "RemitPurpose": "Family",
            "BeneficiaryFirstName": "Bruce",
            "BeneficiaryLastName": "Banner",
            "BeneficiaryMSISDN": "8801758724781",
            "BeneficiaryNationalityCountryISOCode": "BGD",
            "BeneficiaryBranchCode": "PPIBDANY00",
            "BeneficiaryBranchName": "Head Office",
            "BeneficiaryAddress": "Bangladesh",
            "SenderFirstName": "Mickey",
            "SenderLastName": "Mouse",
            "SenderMSISDN": "44835578009",
            "SenderAddress": "United Kingdom",
            "SenderAddressStreet": "Aurora Street",
            "SenderCountryCode": "GB",
            "SenderAddressCity": "London",
            "SenderNationalityCountryISOCode": "GBR",
            "SenderAddressCountry": "United Kingdom",
            "SenderCurrency": "GBP",
            "SenderCountry": "GBR",
            "SenderCity": "London",
            "SenderAddressZIP": "tH4 5BX",
            "SenderGender": "M",
            "SenderProvinceState": "Oxfordshire",
            "Suburb": "London",
            "StreetNo": "69",
            "BuildingNo": "69",
            "SenderIdCountryISOCode": "GBR",
            "SenderId": "9307068907098",
            "CustomerDateOfBirth": "1990-01-08",
            "CustomerIdExpiryDate": "2022-10-10",
            "CustomerNationalityCode": "GB",
            "CustomerIdIssueDate": "1995-05-05",
            "CustomerIDType": "53",
            "CustomerAddressCity": "London",
            "CustomerIdIssuedAt": "GB",
            "CustomerAddressCountryCode": "GB",
            "IdType": "2",
            "PayoutCountry": "BD",
            "BranchCode": "PPIBDANY00",
            "BranchName": "Head Office",
            "AccountTtile": "Janata Bank",
            "RoutingCode": "DCM001",
            "BankRoute": "JANA",
            "SubAgent": "Originating Bank",
            "DcmLogin": {
                "userId": "{{AgentUserId}}"
            }
        }
    ]
}

Confirm Quote - Example response

{
    "DcmResponse": {
        "responseCode": "200",
        "responseMessage": " Success ",
        "payoutPartnerRef": "11422000000056",
        "DCode": "000213xxxxxxxxxx",
        "DcmTransactionFee":"0.00",
        "Rate":"",
        "payOutPartnerRefName": "",
        "payInPartnerRef": ""
    }
}

The confirm quote function is used for the confirmation of a quote that has been created.

You will need to insert the parameter SecondaryAction: ConfirmQuote in the post transaction method as with the payload example payload.

Note: The quote is valid for 6 hours after creation.

Cancel Quote

The cancel quote function is used to cancel a quote that has been created.

You will need to insert the parameter “SecondaryAction: CancelQuote” in the cancel transaction method with the payload "SecondaryAction": "CancelQuote",.

Cancel Quote - Example payload

{
    "DcmRequest": [
        {
            "SecondaryAction": "CancelQuote",
            "ReferenceNo": "11422000000056",
            "RoutingCode": "DCM001",
            "DcmLogin": {
                "userId": " HP0001"
            }
        }
    ]
}

Cancel Quote - Example response

{
    "DcmResponse": {
        "responseCode": "417",
        "responseMessage": "Transaction Cancelled",
        "payoutPartnerRef": "1900016055",
        "DCode": "CancelQuote_TRANSACTION",
        "payOutPartnerRefName": "",
        "payInPartnerRef": "11422000000056"
    }
}

Quote & Pay Notes

• Quotes that have been confirmed cannot be cancelled through the cancel quote function, It must go through the normal transaction cancellation process.
• All quotes must be confirmed within 6 hours after quote creation.
• Agents will receive an error if they confirm a quote after the 6 hour expiry.
• Use the correct “SecondaryAction” for each function needed

Response codes

Response code explanation

200 - When an Agent receives a 200 response code, the request sent to DCM was then handled successfully, and the following types are true:

• On the PostTransaction or Retry request: The transaction was successfully processed by the pay-out partner, and the Agent should receive a DCode along with DCM’s service fees, and a pay-out partner reference. No further action will be needed by the agent thereafter.

• On the CheckStatus request: The transaction was previously sent to the pay-out partner successfully.

• On a CancelTransaction request: The transaction was successfully cancelled at the pay-out partner’s side, resulting in the transaction never being able to be paid out from here on after.

• On a checkAgentBalance request: The request was handled successfully, meaning the rest of the result should contain the Agent’s balance in USD and in Local currency.

• On a GetAgentRates request: The request was handled successfully, meaning the rest of the result should contain the Rates in USD and in currency needed in real time.

• On a Check Title request: The request was handled successfully, meaning the account number does exist on the partner's system.

206 - When an Agent receives a 206 response code, the request was sent to DCM but is pending processing by the pay-out partner. The next step to be taken is to send a checkStatus request to DCM, which will return the status of the transaction.

207 - When an Agent receives a 207 response code, the cancel request was sent to DCM and is waiting for the response to check if the transaction can be cancelled Send a checkStatus request to check if the transaction has been cancelled or not Check with DCM support team on status of pending cancellations.

400 and 412 - When an Agent receives a 400 or 412 response code, the request was sent to DCM but failed with either the DCM system, or the pay-out partner. The 400/412-response error code is a final state error. The Transaction is unable to be paid out in the foreign country and no further action can be taken on the transaction.

417 - This response code indicates that the transaction has already been cancelled on the DCM system. This error code is also a final error state as no action can be taken on the transaction. The transaction can no longer be re-initiated, and the transaction value has already been credited back into the Agent’s ledger with DCM.

449 - When an Agent receives a 449 response code on a check status request, the transaction has not been processed and the Retry functionality should be used on the transaction.

500 - When an Agent receives a 500 response code, it indicates that the DCM server failed to process the transaction, and an Agent should send a checkStatus request to see what status the transaction is currently in.

501 - When an Agent receives a 501 response code, it indicates that a method has not been implemented on the DCM server, and an Agent should check the Status of the transaction to see what status the transaction is currently in.

Bank Routes & Corridors

The DCM hub provides agents with multiple corridors and pay-out points based on the agreed signed contract with DCM. When integrating with the system the agent should take note that DCM has multiple endpoints and integrations. Each endpoint is defined using a BankRoute, which is very important as it allows us to know which endpoint the transaction should route through. The different BankRoutes and corridors will be provided by the DCM team in an excel file.

The Bank list provided will enable the agent to see 3 tabs on the Excel sheet.

This is the list that must be imported into your system

When integrating with the DCM please take note of the comments or notes on the excel file as you will see that some BankRoutes would require more specific or different details than the others.

Examples:

• India corridor for Bank Account would require “IFSC code” in the Branch code field
• Some Nigerian BankRoutes would require the SenderMSISDN and BeneficaryMSISDN to have a prefix of “00” in front of the country code (002348764572)
• Some Routes will require branch name and branch code, others will require either or, and some will require no branch name or branch code.
• Check production file to see final details

Payout Types

DCM has various payout type endpoints. These types of payments will need specific detail when sending to each payout type.

Below is a guide of the mandatory fields for each payout type:

Bank Account (bankaccount)

• Account Number
• Branch Name (If Bankroute has a branch name associated to it)
• Branch Code (If Bankroute has a branch code associated to it)
• Account Title
• Beneficiary Mobile Number
• Sender Mobile Number

Cash Pick Up (COTC)

• Beneficiary Mobile Number
• Beneficiary First Name
• Beneficiary Last Name
• Sender Mobile Number

Mobile Wallet ( Mobile Wallet)

• Beneficiary Name
• Beneficiary Mobile Number
  • Ensure the mobile number is correct
  • Ensure the number is registered to network you are sending to

Value added services/ Utility Bills (VAS)

• Account Number (The utility bill number that you want to pay)
• Foreign Amount
  • Foreign amount must be exact to the bill that needs to be paid
  • If the bill to be paid is in dollars, the agent will need to convert their rate to the exact amount to be paid in dollars.

Prepaid Top up/ Airtime (Prepaid)

• Beneficiary Mobile Number (The number that you want to give airtime to)
• Branch Code (Branch code that is associated to the bank route for top up)
• Branch Name (Branch code that is associated to the bank route for top up)
• Foreign Amount
  • Foreign amount must be exact to the mobile network that needs to be paid either in the foreign amount or in dollars.
  • If the top up to be paid is in dollars, the agent will need to convert their rate to the exact top amount to be paid in dollars.

Payload parameters

Both inwards and outwards

Specific to inwards

Specific to outwards