Features

Transactions are delivered via a web application called Brankas Tap. It provides an interface for customers to log in with their banking credentials and authenticate to complete the transaction.

Authentication and authorization mechanisms on Brankas Taps are adhered to the banks’ requirements. Banking credentials and sensitive information are not stored in Brankas Tap. Authentication and authorization on Brankas Tap includes:

  1. Internet banking login credentials
  2. TFA (Two Factor Authentication) to authenticate the end user as part of login
  3. TFA (Two Factor Authentication) to authorize a fund transfer

The Brankas Tap automatically adjusts the flow to fit the respective bank’s requirements. Here’s an overview of a transaction on Brankas Tap:

Brankas Tap

Brankas Tap

Brankas Tap is a trusted system that allows end users to log in with their online banking accounts to complete transactions or share banking details. The Brankas Tap automatically adjusts the flow to replicate banks' security and authentication flow such as requesting OTPs and TFAs.

Customisation

Brankas Tap can be customized to fit your branding requirements. Refer to the graph below for customisable details:

Customisation

Remember me

Remember me or Recurring access enables users to store their login credentials to their mobiles or browsers. This feature is enabled through either Brankas Tap flow or API integration flow.

Ask about our roadmap to know how we are going to improve Remember Me to be even more flexible and automatic.

Remember me

Data types

Data Information
BankFrom contains basic identifying information of originating bank
DestinationAccountInfo contains basic identifying information regarding the bank where the funds will be credited to (beneficiary bank).
Amount enum currency and number corresponding to an amount. If minor currency units are supported by a currency, then they are stored as minor units up to two decimal places only.

For example, PHP 100.00 would be represented as "amount.cur": "PHP" and"amount.num": "10000".

payment_channel the payment rail that will be used to facilitate the inter-bank fund transfer.
Client holds basic information that can be displayed on Brankas Tap and direct the flow of authentication and fund transfer authorization
Customer contains end user information that can be used by your organization, banks, or settlement partners to resolve disputes and trace payments to specific end users.
settlement the initial confirmation details from interbank fund transfer settlements services, indicating that the fund transfer has been received by the service and that the settlement will be carried out.
Status possible statuses for both a transfer or account listing operation.

Direct Dashboard

Transactions are tracked on the Brankas Dashboard in real time for easy reconciliation. Transactions can be filtered and export accordingly.

  1. Filters
    Users can filter by:
    1. date range
    2. source banks
    3. destination banks
    4. status
      Direct Dashboard Status
  2. Download transaction history
    User can download transaction history with a date range
    Download transaction history

Understanding statuses

To reconcile payments easier, Brankas Dashboard provides an overview of transaction history. Transaction history includes date, time, transaction ID, reference, source and destination account, amount and status.

An overview of transactions An overview of transactions

Final statuses are reflected on transactions after Brankas API has sent a callback. Here are the list of statuses:

  1. Success
  2. Error
  3. Expired
  4. Flagged
  5. Cancelled
  6. Denied
  7. Failed

Transitional statuses while awaiting final statuses:

  1. Login Error
  2. Invoice Created
  3. Awaiting Login TFA
  4. Awaiting Transfer TFA
  5. In Progress

Transactions with neither final status or transitional status are set to:

  1. Flagged

Managing flagged statuses

Transactions that are flagged have neither final status or transitional status. Here are reasons why transactions status are set to flagged:

  1. There are no responses from the banks
  2. There is a concurrent login by users
  3. Incorrect passcode entered
  4. There’s an issue with payment rails

Banks that might have have flagged status:

  • BPI
  • Metrobank
  • RCBC
  • UnionBank

What to do with flagged transactions?

We encourage you to:

  1. manage on Brankas Dashboard
  2. update via settle endpoint
Manage on Brankas Dashboard
  1. Wait for a day and 3 days if transaction was made on a Friday to include weekends for banks to update their transactions

  2. Check the bank’s status. You may view bank statuses on the Bank Status page in the Brankas Dashboard View bank statuses at a glance View bank statuses at a glance

  3. Check the destination account statement and look out for the transaction. When the transaction has been received, you can update the status to success in the Brankas Dashboard by clicking on the Transaction details and update the status:

Update transaction status Update transaction status

Update via endpoints

Update this endpoint with the transaction ID with the status of either Success or Failed.

{
  "transaction_id": "77d1e366-77c3-411a-8ead-cdbc0b085075",
  "status":"SUCCESS"
}

This request can only be done per transaction.

Do ensure that the status is set to Flagged.