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Mode B — payment links from your own gateway

Fully automatic: our partner requests a link, your gateway mints it, the borrower pays you directly, you confirm the capture, the case updates instantly.

You build​

  1. A mint-link endpoint we call (below)
  2. A confirm call to us when your gateway captures

We provide​

  • Link delivery to the borrower (WhatsApp + email)
  • Case/ledger updates + partner earning on your confirmation
  • Idempotency on your confirmations (safe retries)
  • payment.collected / case.closed webhooks
POST <your mintLinkUrl>            ← registered at onboarding, with your auth header
{
  "sourceLoanNumber": "LN-2026-0001",
  "caseId": "CC-2026-2388ED42",
  "visitId": "665f1a2b3c4d5e6f7a8b9c0d",
  "amount": 5000,
  "currency": "INR",
  "borrowerName": "Ravi Sharma",
  "borrowerPhone": "9876543210",
  "description": "Loan repayment for LN-2026-0001"
}

→ 200 { "success": true, "link": { "linkId": "your-link-id", "url": "https://pay.you.com/…" } }

Respond within 10 seconds; non-2xx or timeout surfaces as "link unavailable" to the partner, who falls back to your QR/bank details.

2. The confirmation you send​

When your gateway captures the payment:

POST /api/v1/partner/cases/LN-2026-0001/payments/confirm
{
  "amount": 5000,
  "reference": "your-txn-id",          ← idempotency key
  "paidAt": "2026-07-23T09:30:00Z",
  "mode": "upi",
  "linkId": "your-link-id"             ← optional, ties it to the exact visit
}

→ 200 { "success": true, "caseId": "CC-…", "outstandingAfter": 7500, "status": "in_progress" }
  • Idempotent on (loan, reference) — a retry returns 409 DUPLICATE_CONFIRMATION with the original booking. Retry freely.
  • A full-clearing confirmation returns "status": "collected", closes the case, credits the field partner, and fires case.closed.
  • Confirm promptly — the partner at the door is watching the case update, and their earning is created from your confirmation.