Third-Party Validation (TPV)
Accept payments only from a customer’s registered bank account. TPV helps regulated businesses enforce account ownership requirements during online payment collection.
When to use TPV
Use TPV when your business must ensure that funds originate from the bank account registered for that customer—for example, securities, broking, mutual funds, lending, or other regulated financial services. Your compliance team should determine whether TPV is required for your use case.
Requirements
Account activation
TPV must be enabled for your FiatPe account before you accept validated payments.
Registered bank details
Collect the customer bank account details during onboarding and keep the verified record on your server.
Server-created order
Create the payment order from your backend and associate it with the customer and their registered bank account.
Status verification
Confirm the final payment status from your server before providing goods, units, or financial services.
Integration flow
- 1
Register the account
Verify and store the customer’s permitted bank account as part of your onboarding process.
- 2
Create the order
Create a FiatPe order on your server and associate it with the registered customer record.
- 3
Open Checkout
Pass the returned order ID to FiatPe Checkout and let the customer choose an available payment method.
- 4
Validate ownership
FiatPe and its banking partners validate whether the payment originates from the permitted account.
- 5
Verify the result
Verify the signature and authoritative payment status on your backend before fulfilment.
Payment methods
Availability depends on your FiatPe configuration and the participating bank.
| Method | Validation | Important consideration |
|---|---|---|
| Net banking | Originating bank account is checked | The customer must use their registered account. |
| UPI | Linked bank account is checked | App and bank support can vary. |
| Debit card | Card-linked account is checked | Availability depends on issuer support. |
Go-live checklist
- TPV is enabled and tested on your FiatPe account.
- Customer and registered bank records are managed only on your backend.
- Order ownership and amount are validated before Checkout opens.
- Signatures, payment status, retries, and duplicate events are handled safely.
- Failure messaging explains that payment must use the registered account.
- Your compliance and legal teams have approved the production flow.
Verify its signature and final status on your server before fulfilment.