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Blackeye

Overview​

Blackeye is a payment solution that enables instant bank transfers in India using the IMPS (Immediate Payment Service) system. It provides 24x7 instant domestic funds transfer service through participating Indian banks. Blackeye ensures secure and immediate transaction processing for seamless financial operations.

Blackeye Logo

Features​

  • Instant IMPS bank transfers
  • 24x7 availability
  • Real-time payment processing
  • Secure transaction verification
  • Pan-India bank coverage
  • Maximum transaction limit as per RBI guidelines

Integration Requirements​

  • Banksy API Key
  • Valid Indian bank account
  • Callback URLs for transaction status

Implementation​

Payment Payload Structure​

const payload = {
  amount: number, // Payment amount
  currency: "INR", // Indian Rupees only
  currencyType: "blackeye", // Fixed value for Blackeye transactions
  isKycOptional: boolean, // Whether KYC is required
  customerEmail: string, // Customer's email address
  successCallback: string, // URL for successful payments
  failureCallback: string, // URL for failed payments
};

Example Implementation​

import { Banksy } from "banksy-sdk";

// Initialize the Banksy SDK with your API key
const banksy = new Banksy("your-api-key");

async function createBlackeyePayment() {
  try {
    const paymentPayload = {
      amount: 10000.00,
      currency: "INR",
      currencyType: "blackeye",
      isKycOptional: true,
      customerEmail: "customer@example.com",
      successCallback: "https://your-domain.com/success",
      failureCallback: "https://your-domain.com/failure",
    };

    const payment = await banksy.createPayment(paymentPayload);
    console.log("Payment Created:", payment);

    // Redirect to payment page
    window.location.href = payment.paymentLink;
  } catch (error) {
    console.error("Payment creation failed:", error);
  }
}

Finding UTR Number​

The UTR (Unique Transaction Reference) number can be found in:

  • Bank's transaction SMS
  • Bank's mobile app transaction history
  • Internet banking transaction details
  • Payment confirmation screen/receipt
tip

You can find the UTR in your bank's transaction history or payment confirmation screen. It's usually a 12-22 digit alphanumeric code.

Security Considerations​

  1. Verification

    • Verify beneficiary account details before transfer
    • Implement proper callback authentication
    • Use HTTPS for all API communications
    • Follow RBI security guidelines

  2. Fraud Prevention

    • Monitor suspicious transaction patterns
    • Implement daily/monthly transaction limits
    • Verify beneficiary account through penny drop

Best Practices​

  1. Payment Handling

    • Validate IFSC code format
    • Implement proper error handling
    • Maintain transaction logs
    • Use webhook notifications for status updates

  2. User Experience

    • Display clear beneficiary details
    • Show transaction status updates
    • Provide clear error messages
    • Implement transaction history

  3. UTR Verification Best Practices

    • Always verify UTR format before submission
    • Cross-verify transaction amount with original payment
    • Check transaction date matches
    • Verify beneficiary details
    • Implement rate limiting for verification attempts
    • Monitor for suspicious verification patterns

API Testing with cURL​

Create Payment​

curl --location 'https://sandbox-api.banksy.id/sdk/payment/create' \
--header 'Content-Type: application/json' \
--header 'X-AUTH: ck_test_************738139' \
--data-raw '{
    "amount": 10000.00,
    "currency": "INR",
    "currencyType": "blackeye",
    "isKycOptional": true,
    "customerEmail": "customer@example.com",
    "successCallback": "http://domain.com/success",
    "failureCallback": "http://domain.com/failure"
}'

Support​

For technical support or integration assistance:

  • Contact our support team for Blackeye-specific inquiries
  • Reach out to the Banksy support team for SDK-related issues