Hi Everyone, Please find the GitHub repo link for the payment gateway implementation: https://github.com/openMF/payment-gateway
Please have a look and feel free to share your thoughts and feedback. Thanks, Sanyam Goel On Mon, Jun 11, 2018 at 7:52 PM Sanyam Goel <[email protected]> wrote: > Hi Everyone! > > Payment Service integration will help us to integrate Fineract with mobile > money platforms(mpesa, beyonic, etc..) so that the data can be synchronized > with the disbursements, repayments of the loans that being initiated > through the mobile money platform. > It can enable financial institutions to go completely paperless once > mobile money is rolled out and integrated with the core banking system. > > *Roles and Responsibilities of payment-service:* > > 1. This service will act as a central base for interacting with > third-party payment vendors like RazorPay. mPesa etc. > 2. Implement necessary callback endpoints of vendors. > 3. Validate payment vendor call, verifying the signature from the > vendor. > 4. Error Handling of vendor call-backs, > 5. Do necessary database operation, (refer to database schema > attached). > 6. Create message to be published on inbound queue, again it will have > a signature mechanism. > 7. Publish message on a single payment topic(common for all vendors). > 8. Listens to outbound queue message. > 9. Initiate transaction via the vendor that was chosen. > > *Fineract Interaction with Payment Service:* > > 1. It will listen to payment (inbound) queue. > 2. Authenticate request. > 3. Do the necessary database operation and transaction > creation(INBOUND/OUTBOUND). > 4. Write messages to the outbound queue for loan disbursements. > > > > *Currently, we need a solution to the given problem statement:* > Problem Statements: > > 1. Are we going to support direct wallet to wallet transaction for > loan repayment as well as for loan dispersal cases? > For example, a user with a phone number directly pays from his mPesa > account to Mifos account for loan repayment purpose. > 2. There are cases where a user will be making a payment from a > different number (or another user is paying on their behalf) or if they > want to pay multiple accounts or have multiple loan or savings accounts > open. > Solution suggestion by Thynn: "In the case of multiple family members > using one telephone number, one way is to have them enter the account > number (savings or loan) to apply the payment to" but this solution may > lead to issues like, if the user enters the incorrect account number then > we have to initiate refunds for that particular transaction. > > It would be really appreciated if anyone has tried to solve this problem > or suggest some solution for the same. > > I'm looking forward to hearing your invaluable feedback and suggestions to > fit the best interests of the community. > > Thanks, > Sanyam Goel > > > -- > SANYAM GOEL > LinkedIn: https://goo.gl/6SJMg3 > Github: https://goo.gl/u51wRZ > Hackerrank: https://goo.gl/4kzLf7 > +91-9818060934 > -- SANYAM GOEL Profile: plu.us/sanyam96 LinkedIn: https://goo.gl/NkmHkf Github: https://goo.gl/STw1Rq Hackerrank: https://goo.gl/va9Npm +91-9818060934
