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Top up via SCT

Overview​

The SCT Deposit operation allows topping up money in the customer's Wallet. This process involves transferring funds from a bank account to the customer's Wallet via wire transfer.

To perform a SCT Deposit you need to follow these steps:

Retrieve SCT Information​

The User has two ways to retrieve the SCT Information:

  1. Updates his Iban using the api UpdateWalletIban and he receives:

    • destinationOwner
    • destinationIban
    • ibanValidationCode

  2. If the Iban is already setted, the User can retrieve the SCT information using the api GetSctInstructions

Validate IBAN (If Updated)​

If the User has recently updated their IBAN, it must be validated before topping up his wallet.

To validate the IBAN, the User is required to initiate a Wire Transfer through his bank. This transfer should be of €1 and made to the destinationOwner. The destinationIban should be used for the beneficiary’s IBAN and the ibanValidationCode should be included as remittance information.

If the name of the Wire Transfer Owner matches the Wallet Owner’s name and the IbanValidationCode is correct, then the IBAN will be validated. Subsequently, the wallet balance will be topped up by €1.

Send the SCT​

Once the User retieved the SCT Information and validated his Iban, finally the User can perform a deposit via SCT.

To perform it the User, as done during the validation process, has to send a Wire Transfer through his Bank to destinationOwner using the destinationIban for beneficiaryIban and the ibanValidationCode as remittance information.

Sequence Diagram​

In the following Sequence Diagram are showed the 3 Steps included in the SCT Deposit Workflow.

  • Step 1: Retrieve SCT Information
  • Step 2: Validate IBAN
  • Step 3: Perform the SCT