Overview:

Paisa Drop is a micro-credit deposit feature that allows the instant credit of a nominal amount — ₹0.01 (1 paisa) — to a customer’s bank account. This functionality can be used for validating bank account details such as account number, IFSC code, and account holder’s name through an actual transaction, ensuring 100% accuracy and bank integration compliance.

Purpose & Use Cases:

Bank Account Verification – Validate that bank account details are correct and active.
NPCI Verification Flow – Confirm real-time account holder name fetched via the banking system
Micro Transaction Test – Useful in system health checks and fund flow testing without high transaction cost.

Technical behaviour:

When a Paisa Drop transaction is initiated, the system sends ₹0.01 to the provided account details through bank API.
The successful response will return the verified account information in the following API response format:

Field	Type	Description
statuscode	Integer	HTTP-like custom response code indicating success (200 = OK).
status	Boolean	True if transaction was successful
message	String	Transaction result message
account_number	String	Masked customer bank account number
account_holder_name	String	Name of account holder as per bank records.
account_ifsc	String	IFSC code of the branch where account is held.
rrn	String	Unique bank transaction reference number (Retrieval Reference Number).
npci_error_code	String	NPCI-provided error code if verification fails, else null.
npci_error_description	String	Detailed NPCI-provided error message if applicable, else null.
reference_id	Integer	Unique system reference for internal tracking.

Error handling:

If account verification fails, status will be false, and npci_error_code with npci_error_description will hold relevant failure reasons such as account closure, IFSC mismatch, or incorrect account details.

Security & Compliance:

All account numbers are masked in logs and API responses by default.
Transactions are irreversible and recorded for audit purposes.