PNB ONE API Integration and Open Finance Solutions

Deliverables (Standard)

• Protocol analysis report (authorization chain, session, signatures, certificates, anti-scraping measures)
• OpenAPI / Swagger interface definitions with examples
• Runnable source code (Node.js / Python / Java examples) and deployment guide
• Automated test scripts (Postman collections or pytest / mocha)
• Compliance recommendations (KYC, log retention, least privilege, data masking)

Sample Interface: Query Account Transactions (Pseudo-code)

POST /api/pnb/statement
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "account_number": "1234567890",
  "from_date": "2025-09-01",
  "to_date": "2025-09-30",
  "page": 1,
  "page_size": 200
}

Response 200 OK
{
  "status": "OK",
  "account": "1234567890",
  "transactions": [
    {"txn_id":"TXN001","date":"2025-09-03","amount":-1500.00,"narration":"UPI - Grocery","balance":8500.00},
    {"txn_id":"TXN002","date":"2025-09-10","amount":50000.00,"narration":"Salary Credit","balance":58500.00}
  ],
  "next_page": 2
}

Sample Interface: Initiate Instant Transfer (Pseudo-code)

POST /api/pnb/transfer/instant
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "from_account":"1234567890",
  "to_vpa":"merchant@upi",
  "amount":2500.00,
  "currency":"INR",
  "purpose":"order_9876"
}

Response: {"status":"ACCEPTED","ref":"TXN9999","eta":"2025-10-20T10:01:00Z"}

Core Advantages

• Fast: initial interface implementation delivered within 5–12 business days after protocol analysis
• Reusable: delivered per OpenAPI standards for easy extension and maintenance
• Compliance: adheres to Indian payment and privacy regulations, with guidance and logging strategy
• Cross-platform: samples support backend languages and cloud deployment (containerization)

Integration Highlights & Risks

During implementation we focus on:

• Authorization mechanisms (OAuth / Token / Session), session renewal and refresh strategy
• Transaction signing, replay protection, and certificate management
• Rate limiting, latency, and retry strategy for fault tolerance
• Compliance boundaries: integration only with client authorization or public/licensed APIs

API Integration Quick Guide (for Clients)

1. Submit requirements: provide target app name (PNB ONE), required capabilities (e.g., statement extraction, bulk transfers, Bharat QR callbacks) and preferred delivery format (JSON/CSV/Excel).
2. Initial assessment: we complete protocol analysis and feasibility assessment and provide a quote (usually 2–5 business days).
3. Authorization & testing: connect to a test environment with client authorization or perform mock tests against public interfaces.
4. Development & delivery: deliver API documentation, source code, test scripts, and deployment instructions; includes one round of free edits and go-live support.

Sample requirement: "Fetch all transactions for September 2025 and export to Excel, with daily scheduled pulls and push to SFTP".

About Our Studio

We are a tech team focused on mobile app protocol analysis and authorization API integration, serving fintech, banking, and e-commerce clients. Core capabilities include protocol reverse engineering, OpenData integration, OpenFinance / OpenBanking adaptation, and compliant delivery.

• Deep experience with financial and payment protocols (UPI, IMPS, NEFT, Bharat QR)
• Deliver runnable source code, OpenAPI documentation, and automated tests
• Security-first: token management, encryption, and data minimization
• Transparent pricing: starting at $300, evaluation-first and pay-on-delivery options available

Contact Information (Submit Requirements)

Please click the link below to access our contact page and submit your target app name (e.g., PNB ONE) and detailed requirements:

Visit Contact Information / Submit Requirements

Collaboration Process (Overview)

1. Client submits app name and requirements → We provide a preliminary plan and quote
2. Sign NDA (if needed) → Agreement and API analysis
3. Development deliverables (source code, docs, test scripts) → Client acceptance
4. Go-live support and subsequent expansion services