Know Your Depositor (KYD)

Some Merchants must (e.g. due to regulations) make sure that the customer registered on their website is the same as the one registered at Zastrpay. For that purpose the Merchant should be configured for KYD at Zastrpay, which means that upon creating a new redirect session for a new transaction intent it will receive in the response 2 additional fields - kycData.firstName and kycData.lastName.

Sample Create Redirect Session Response:

201 OK

{
    "id": "bf050093-fce3-4013-8090-524799de3f69",
    "type": "NewTransactionIntent",
    "merchantId": "e51bc4a8-4263-11ea-b317-b7ad13e2406e",
    "customerId": "37257cd4-8ff1-46f7-bb20-0da4f954fede",
    "transactionData": {
      "type": "PassthroughDeposit",
      "amount": 50,
      "currency": "EUR",
      "externalReference": "1232"
    },
    "redirectData": {
        "successUrl": "https://merchant-host.com/zastrpay-create-new-transaction-intent-success",
        "failureUrl": "https://merchant-host.com/zastrpay-create-new-transaction-intent-failure",
        "abortUrl": "https://merchant-host.com/zastrpay-create-new-transaction-intent-abort",
        "qrCodeSuccessUrl": "http://merchant-host.com/zastrpay-create-new-transaction-intent-qr-code-success"
    },
    "createdOn": "2023-01-26T13:04:59.5633378Z",
    "lastCorrelationId": "55a5c33e-9003-4ea7-8e31-cfe5e9acc008",
    "token": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjU2ODc4YmZlNzZiNDQyMTVhZmVkYzFkMzQzYTQ0NjU0In0.eyJzaWQiOiJiZjA1MDA5My1mY2UzLTQwMTMtODA5MC01MjQ3OTlkZTNmNjkiLCJtZXJjaElkIjoiZTUxYmM0YTgtNDI2My0xMWVhLWIzMTctYjdhZDEzZTI0MDZlIiwiYXV0aCI6Im90cCIsImN1c3RJZCI6IjM3MjU3Y2Q0LThmZjEtNDZmNy1iYjIwLTBkYTRmOTU0ZmVkZSIsImV4cCI6MTY3NDc0MDA5OSwiaXNzIjoiaHR0cHM6Ly9wYXkuZGV2LmMyZHBheW1lbnQuY29tIiwiYXVkIjoiaHR0cHM6Ly9wYXkuZGV2LmMyZHBheW1lbnQuY29tIn0.LKktJ4j2B-6UXrOrfmHQnqfeWSOvWQFPZJ_j1lJbacOAo-5IaIEMW0XB5kXyZc6qdOCJmIhuYM30SyiVu5TG7zii9zFuWRrdnIDu0tu_K-OJDU9rwn0Dtc-zreUq4VxzJs8utzZ6C7J3RVz3OVUIiDeMINKR0PFq-an4Ht81FSikZAnCreGbFpwsSn5HD9rBwLyDhlp7Dwl71yIn0fKIfAdtcUB6QEPycQi9-qGxYi0BDwy21rWJWI_kOsMi_kAnajtYD3ZB_8DInvAHZilWfV3pL_PuTAoA7OdKztkegt9wUCBQr_EPHU5rGxpBrUJLsYLBTvBqsJZEkp6gepyxtQ",
    "redirectUrl": "https://pay.dev.zastrpay.com",
    "kycData": {
        "firstName": "John",
        "lastName": "Smith"
    }
}

The Merchant System should then compare the first and lastName with the customer data it has in its database, and in case of a substantial discrepancy (depending on the specific algorithm used) it should not redirect the customer to Zastrpay, but instead display an error message saying something like "Due to regulatory requirements the account used at Zastrpay should be for the same person who has registered with us, which is not the case. Transaction cannot be initiated" or similar.