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Why choose Corporate API Suite?

No More Toggling Between Bank And Client Platform - Directly Access ICICI Banking System From Your ERP

Instant & Efficient Banking Facility With Lower Turnaround Time

Get Real Time Status Of Transactions On Your Own Platform

Faster Time To Market

Why choose Embedded Banking?

Provide End To End Banking Services To End Customers

Instant Banking Facility – Reduces Turnaround Time For Doing Transactions

Generate More Revenue With Existing Products Or Winning New Verticals

Greater Scalability

Increase Cash Flow With Faster Settlement

Increase The Portfolio Of Product Offerings

OUR OFFERINGS

INTRO

Have access to various account related services like account opening, beneficiary management and bank statement pagination among others.
Below are the APIs included in account services:

REGISTRATION

  • Account opening: New current accounts can be opened through Current Account opening APIs on the partner’s platform itself hence providing ease of opening new accounts for their non-ICICI customers. This API will be provided to all aggregator by default
  • User Registration: CIB Registration API enables the Fintech & their user to register on ICICI Bank's Corporate Internet Banking Portal
  • Registration status: This API is used to check status of CIB registration
  • De-registration: This API is used to deregister an account
  • Linked Account Validation: Validate accounts linked, its type and status against a user

BENEFICIARY MANAGEMENT

  • Beneficiary Registration: Before any API request, merchants need to trigger beneficiary registration API to enable the merchants to make payments through API
  • Beneficiary Validation: Validate beneficiary before making payment. Mandatory for merchants transacting from Nodal account

ACCOUNTS & TRANSACTIONS

A complete bouquet of APIs for our Fintechs to have access to the information pertaining to their accounts and transactions. It contains the below APIs:

  • Bank Statement: Fetch bank statement of an account for a specific time period.
  • Limted to 2000 transaction records
  • Bank Statement pagination: Fetch bank statement of an account in case of more than 2000 records, 200 records fetched per trigger
  • Balance Fetch: Fetch the balance of an account
  • Mobile Fetch: Fetch mobile number linked with bank account

Click here to sign up and get started

STANDALONE PAYMENTS

Enable payments through multiple payment modes via CIB. This facilitates Fintechs to traverse across with ease to make vendor payments, salary and utility payments for various services.
Below are the various payment modes available:

  • Fund Transfer
  • NEFT
  • RTGS

COMPOSITE PAY

This API can be used to make payment through multiple modes with a fall-back mechanism where Fintech can choose the priority order of executing the same transaction in order to avoid failures.
Below are the various payment modes available on Composite Pay:

  • NEFT
  • RTGS
  • IMPS
  • UPI

PENNY DROP

It uses IMPS mode to validate the beneficiary of a transaction where in Re.1 is deposited into the account and the resultant ping-back confirms the KYC compliant beneficiary

VALUE ADDED PAYMENT APIS

a. Transactional APIs:

  • Transaction with OTP: Make payment within bank and outside bank (RTGS, NEFT, FT) with OTP
  • Transaction without OTP: Make payment within bank and outside bank (RTGS, NEFT, FT) without OTP

b. Non – Financial APIs:

  • Transaction Status: Fetch transaction status
  • NEFT Incremental Status: Know NEFT payment status at different stages of transaction after 30 min of initiation
  • Recon 360: Check transaction status of IMPS & UPI

UPI COLLECTIONS

UPI Collections allows to send collect request to your Fintechs who chooses to make payment using his UPI.

  • QR/Intent API: Merchants can generate QR using QR API and can choose to validate their client’s accounts

  • Collect pay API: Merchant can use this API to raise collect pay request on their customer’s VPA/PSP app

  • Dynamic VPA with validation: This API is to be used when customers want to make payment to merchants using dynamic VPA. Merchant to validate dynamic part of dynamic VPA at their end

  • Mandate API: A set of APIs for managing auto-debit transactions

  • DMO API: A set of APIs for Merchant to onboard their end clients and extend UPI API facilities to them

  • Callback API: This API facilitates final transaction response posted by ICICI Bank to Merchant’s callback URL

  • Refund API: Merchants can use this API to initiate refunds of the transactions

  • Transaction status API: This API gets the updated status of the transaction to the merchant


Click here to sign up and get started

E-COLLECTION

It helps in virtual account setup and enables a corporate to receive payments through various modes with enhanced reports on credits to aid reconciliation. A unique virtual account is assigned to each payer to use during payments instead of actual account of the payee. This is a flexible and customizable solution which expedites the collection process for Fintechs and provides them with timely MIS

Click here to begin self onboarding through iXC

ENACH

To make mandate registration process hassle free & reduce TAT by invoking E-Mandate API with Internet banking & Debit Card authentication

BBPS (BOU)

Enable any business to collect recurring bill with smooth and easy reconciliation using NPCI dashboard and customizable MIS

Trade API Suite

Most firms today want to establish a unique competitive advantage by achieving an integrated supply chain. ICICI Bank has developed future ready solutions to help our clients achieve this by entirely reforming the traditional human to system interaction that happens in the course of business. ICICI Bank introduces Trade APIs to make trade transactions seamless by establishing a direct communication channel linking client’s ERP and ICICI’s internal systems. The time saving that we impart to our immense is monumental, bringing down transaction processing time, which would normally take 10-15 minutes to a few seconds!:

Remittance

Customers can easily initiate Remittance transaction for the beneficiaries abroad for any permissible Purpose Code declared by FEMA. In addition, clients can also seamlessly initiate settlement requests for inwards received.

  • Inward Remittance Settlement
  • Outward Remittance

Letter of Credit

Issued at client’s request to assure payment to the supplier up to a stated amount, within a prescribed time. ICICI offers both Limit Backed and Cash Backed LCs over APIs.

  • LC Issuance
  • LC Amendment

Bills

Corporates can digitally receive bill presentation and accept the bills presented. Also, enables clients to initiate payments for accepted bills before due date..

  • Bill Acceptance
  • Bill Payment
  • Bill Presentation

Bank Guarantee

Bank offers surety for different business obligations on behalf of the customer within certain regulations. ICICI offers both Limit Backed and Cash Backed BGs over APIs.

  • BG Issuance
  • BG Amendment

Enquiry

Customer is empowered to query about the transactional status, list of limits and list of FDs linked to their account.

  • Limit Enquiry
  • FD Enquiry
  • Transaction Status Enquiry

e-Docs - Exports

Processing of Export Bill Lodgment & regularisation for all direct exports/advance payments against outstanding shipping bills

  • Export Bill lodgement
  • Export Bill regularization
  • AD Transfer
  • EBRC
  • Post-Facto Realisation

IDocs -Import

Customers can process bulk Bill of Entry (BoE) hassle-free and clients can regularise the outstanding BOEs against remittance initiated earlier

  • BOE Bulk Payment
  • BOE Regularisation (iBoE)

Specialized Products

  • e-LC: Corporate client receives the LC/SBLC information as soon as they get advised in the bank’s core system
  • e-BG:Authentication of Bank Guarantees received in customer’s favor.
  • EEFC to INR Conversion

INTRO

It is a one-stop payment platform for all bills providing an interoperable and accessible “Anytime Anywhere” bill payment service to all Fintechs across India

OFFERINGS

  • Pay Only: This API is developed for paying the bill for billers who allow payments without fetching the bill
  • Fetch Bill: This API is developed to Fetch Bill based on input details
  • Fetch and Pay Bill: This API is developed to fetch pay based on the request packet. User need to pass same biller reference id and unique id which they have passed in fetch bill API
  • Calculate tax: This API is developed to calculate the tax
  • History API: This API is used to check history of all transactions within the specified time frame
  • Inquiry API: This API is used to inquire about a specific transaction made by the client

DIRECT TAX APIS

  • Payment API – For making direct tax payments by mentioning relevant information, like PAN, Tax amt, etc. Basis, transaction processing, status response is confirmed as Success or Failure

  • Challan Download API – For payments successfully completed, user can download challans in pdf format

  • Double Verification API – In case of any time out/ connection error (beyond 30 secs), customer can initiate double verification to check status of transactions – Success or Failure

GST APIS

  • Fetch API – Retrieve all transactions created at GST portal

  • Payment API – For making GST payments for the selected transactions out of the transactions retrieved using fetch API. Basis, transaction processing, status response is confirmed as Success or Failure

  • Debit Advice Download API – For payments successfully completed, user can download debit advice in pdf format

  • Refetch API – In case transactions previously retrieved once but pending for payment and not stored at customer end, they can initiate refetch request for those pending transactions

  • Double Verification API – In case of any time out/ connection error (beyond 30 secs), customer can initiate double verification to check status of transactions – Success or Failure

CUSTOM DUTY APIS

  • Fetch API – Retrieve all transactions created at ICEGATE portal

  • Payment API – For making Custom Duty payments for the selected transactions out of the transactions retrieved using fetch API. Basis, transaction processing, status response is confirmed as Success or Failure

  • Debit Advice Download API – For payments successfully completed, user can download debit advice in pdf format

  • Refetch API – In case transactions previously retrieved once but pending for payment and not stored at customer end, they can initiate refetch request for those pending transactions

  • Double Verification API – In case of any time out/ connection error (beyond 30 secs), customer can initiate double verification to check status of transactions – Success or Failure

Fixed Deposit API

  • FD Create API: Create different types of Fixed Deposits using FD create API
  • FD Fetch API: Fetch all the Fixed deposits with Maturity Amount, Maturity Date & Interest Rate.
  •  FD Liquidation API: Close the Fixed Deposits created using FD liquidation API

DEALER COLLECTION API

Corporate can check dealer’s account balance & collect payment from dealer accounts through their ERP/Server

PAYLATER API

It is meant for e-Commerce companies. Using our paylater APIs, they can convert specific group of customers (Young-Millenial-Cash Strapped) to buyers by offering them easy no hassles line of credit using Paylater product

DEBIT CARD API

This API is used to fetch account number linked to debit card.

PREPAID CARDS API

Offer your customer independence to pay anytime, anywhere with co-branded prepaid cards