Use cases

This chapter describes the business functions that can be performed by having a company balance in the Verestro system and using Payout to card. We also present end user default views presented during using the application. 

 Know your business 

 

 The first step to starting integration is to complete the KYB process. This process is required to identify and verify business clients. Automatic registration process ensures that all the information and documents provided by the clients gone properly through AML verification. Business client registration process may take around 10-15 minutes.  At this link you can find out what exactly the KYB process is and what it looks like . KYB in Verestro is performed with the help of an external verification provider - Mobiltek. 

 Note:  AML (Anti-Money Laundering) is a set of policies, procedures, and technologies that prevents money laundering. 

 Customer balance management 

 Description of methods in Antaca service to create and manage the balance. 

 

 

 

 Method 

 

 Description 

 

 

 

 

 Create balance 

 

 

 Method that allows you to create a balance for your company. 

 

 

 

 

 Credit balance 

 

 

 Method that allows you to top up the created balance. 

 

 

 

 

 Debit balance 

 

 

 Method that allows you to debit the created balance. 

 

 

 

 

 Note: The balance for your corporation is created during its registration in our system. You can create end-user balances from the Administration Panel created for your corporation or use the Create balance method mentioned above. 

 Initialize payment link 

 The card top-up process begins when the payment link is initialized. As a customer, you must provide transaction metadata such as the amount and currency in which the payout will be made. After confirming the entered data, a link is generated that you can send to the recipient. 

 Important! The first screen below (PartnerApp view) imitates the view from your application and you will be responsible for implementing this view. 

 

 UML presenting initialize payment link step by step 

 @startuml skinparam ParticipantPadding 30 skinparam BoxPadding 30 skinparam noteFontColor #FFFFFF skinparam noteBackgroundColor #1C1E3F skinparam noteBorderColor #1C1E3F skinparam noteBorderThickness 1 skinparam sequence { ArrowColor #1C1E3F ArrowFontColor #1C1E3F ActorBorderColor #1C1E3F ActorBackgroundColor #FFFFFF ActorFontStyle bold ParticipantBorderColor #1C1E3F ParticipantBackgroundColor #1C1E3F ParticipantFontColor #FFFFFF ParticipantFontStyle bold LifeLineBackgroundColor #1C1E3F LifeLineBorderColor #1C1E3F } participant "Sender" as sender participant "Customer" as cust participant "Verestro" as oro participant "Recipient" as user sender->cust: Send money using payout note right of sender: Money Sender has a balance in Antaca Verestro cust->oro: Initialize payment link (provide transaction metadata) oro->cust: Return generated payment link cust->sender: Return generated payment link sender->user: Send link to the receiver @enduml 

 

 

 

 

 

 

   

 

 

 

 

 

 

 1. Sender provides transaction metadata and order payment link (this step takes place in Customer's application). 

 2. Sender gets payment link and sends it to the recipient. 

 

 

 

 Top-up card 

 The recipient of a payment link sent by the sender is the beneficiary of the transfer. Upon opening the link, the recipient is redirected to our responsive webview, where he/she can see a message indicating that a specific person intends to transfer a certain amount in a given currency. 

 To claim these funds, the recipient is required to enter his/her card PAN (Primary Account Number) into the designated input field provided on this page. The recipient then confirms hir/her intention to accept the transfer by clicking the “Confirm” button. Once confirmed, the funds are credited to his/her balance immediately. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 3. Recipient gets message with payment link from the Sender and clicks that link. 

 4. Recipient is redirected to Payout to card and view (this step takes place in Verestro Payout to card application) and clicks Top Up my card button. 

 5. The form to provide card number and cardholder details is shown to the Recipient. 

 6. Recipient provide his card's number and his name. 

 7. The status of the top up is  shown to the Recipient. 

 

 

 

 

 UML presenting top up card provided manually 

 @startuml skinparam ParticipantPadding 30 skinparam BoxPadding 30 skinparam noteFontColor #FFFFFF skinparam noteBackgroundColor #1C1E3F skinparam noteBorderColor #1C1E3F skinparam noteBorderThickness 1 skinparam sequence { ArrowColor #1C1E3F ArrowFontColor #1C1E3F ActorBorderColor #1C1E3F ActorBackgroundColor #FFFFFF ActorFontStyle bold ParticipantBorderColor #1C1E3F ParticipantBackgroundColor #1C1E3F ParticipantFontColor #FFFFFF ParticipantFontStyle bold LifeLineBackgroundColor #1C1E3F LifeLineBorderColor #1C1E3F } participant "Money Receiver" as user participant "Verestro" as payt participant "Google/Apple Pay" as xpay participant "Acquirer" as acq note right of user: Money Receiver gets payment link via SMS/Messenger/etc sent by Sender user->user: Open payment link note right of user: Link redirects Money Receiver to the web browser user->payt: Choose xPay card payt->xpay: Get xPay card token xpay->payt: Return xPay card token payt->payt: Debit Money Sender's balance (declared transaction amount) payt->acq: Payout to card acq->user: Top up card from xPay card token @enduml 

 

 Tip:  After the transaction is completed, a notification will be sent to you informing you of the completion of the transaction and whether it was a success or failure.