Know Your Depositor (KYD)

Some Merchants may (e.g. due to regulations) have to make sure that the customer registered on their website is the same customer registered at Zastrpay. For that purpose the Merchant should be configured for KYD at Zastrpay, which means that the Create Redirect Session Response for type = NewTransactionIntent will contain 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/lastName with what is in its own database, and in case of a substantial discrepancy (depending on the specific algorithm used) 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.