🔌 API v1.0.1 – E-invoices, Payment Gateway & Disbursement
v1.0.1 marks the full launch of the E-invoice system, which issues and manages invoices automatically right after each transaction. It also introduces the Payment Gateway solution, which supports collections through many flexible payment methods, and the Disbursement solution – an automatic payment service that lets businesses transfer money online quickly, securely and fully automatically through Tingee.
Together they optimize the whole financial process: from managing incoming cash flow and outgoing cash flow (payroll, commissions, supplier payments...) to automating tax documents.
🧾 E-invoice system
The integrated E-invoice solution helps businesses issue and manage invoices automatically:
- Providers & accounts: set up providers and configure invoice-issuing accounts.
- Create a draft invoice: prepare invoice data before issuing it.
- Create and issue an invoice: issue a valid e-invoice to the tax authority and the customer.
- Invoice utilities: extra features such as downloading invoices, emailing invoices and listing invoice templates.
💳 Payment Gateway
Flexible Payment Gateway integration for partner apps and websites:
- Create a Payment Link: create a payment link in seconds.
- Web UI SDK: embed the payment gateway UI seamlessly on the web.
- iOS SDK: a standard payment gateway UI for iOS apps.
- Android SDK: a standard payment gateway UI for Android apps.
🏦 Disbursement flows
Depending on your business requirements and the connected bank, two processing models are supported:
1. Automatic disbursement flow
- Supported bank: VietinBank.
- Characteristics: a minimal process; transactions are posted immediately without manual OTP verification in the app. Suited to fully automated 24/7 models.
- Core APIs:
- Create an automatic disbursement order: create the transfer order and send it straight to the partner bank.
- Query an automatic disbursement transaction: check the posting status of an automatic disbursement order.
2. Maker/Checker approval flow (two-layer security)
- Supported bank: BIDV.
- Characteristics: a strict security process that separates the person who creates the order (Maker) from the person who approves it (Checker). Requires two-layer authentication by scanning a QR code to get a SmartOTP in the banking app.
- Process & APIs involved:
- Get the authorization URL: log in and link the Maker/Checker bank accounts.
- Create a Maker/Checker disbursement order: the Maker creates an order as a draft (
INIT) or requests approval (REQUEST_APPROVAL). - Confirm submission for approval: the Maker scans the SmartOTP QR to submit the transaction to the bank for approval.
- Approve a disbursement order: the Checker starts approving an order submitted by the Maker.
- Confirm disbursement approval: the Checker scans the SmartOTP QR to approve and post the transaction.
- Reject an order / Delete an order: the Checker rejects an order, or the Maker cancels orders that are still drafts (
INIT). - Query a Maker/Checker transaction: track the detailed status of a batch or a single transaction.
🛠️ Advanced disbursement utilities
The Disbursement solution includes tools for reconciliation, information verification and payment account management. Support for the utility APIs is as follows:
1. Common utilities (all banks)
- Pre-transaction checks:
- Beneficiary account inquiry: verify the beneficiary account before transferring money to avoid sending it to the wrong account.
- Validate the payment account: check the payment account before creating a disbursement order.
- Bank information:
- Domestic bank list: get the Vietnamese banks that support Disbursement.
- Bank branch list: look up bank branches for Disbursement.
2. BIDV-only utilities
The full set of advanced utilities for operating and reconciling business cash flow:
- Payment account management:
- Payment account balance: get the real-time available balance of the payment account.
- Reports & reconciliation:
- Transaction action log: get the action history of a disbursement transaction.
- Payment account transaction history: view the detailed balance history (statement) of the payment account.
- Download batch report: export batch transaction results to an Excel file for periodic reconciliation.