--- title: Account Binding - API E-Wallet (Direct Debit) SNAP slug: en/nicepay-api-snap-account-binding-e-wallet-direct-debit description: Information about Account Binding - API E-Wallet (Direct Debit) SNAP available on the NICEPAY system image: https://archbee-image-uploads.s3.amazonaws.com/ZHvSjR5ZrsoxwKbJa3xmo/uplsh9EZK-7Fk3QcCs_xt_microsoftteams-image.png icon: {"faIcon":"fa-solid fa-book"} docTags: createdAt: 2025-08-18T03:10:12.041Z --- # About Account Binding - API E-Wallet (Direct Debit) SNAP *** The Account Binding API uses to link a user account own by the Customer to the transaction process. This purpose is to make it easier for Merchant during the account balance checks also accelerate the payment process. :::hint{type="info"} Account Binding API is only used for Direct Debit AlloBank and E-Wallet AstraPay payment method. ::: # Process Flow *** ## Account Binding - API E-Wallet (Direct Debit) SNAP :::hint{type="info"} The following process covers [Access Token B2B & B2B2C - Account Binding API E-Wallet (Direct Debit) SNAP](docId\:qZvrZPmasvcazBAKT97SS) and [Registration - Account Binding API E-Wallet (Direct Debit) SNAP](docId:8Z5vJg0Veilgx7j5W9uLv) section. ::: ![Account Binding - API E-Wallet (Direct Debit) SNAP Process Flow](https://api.archbee.com/api/optimize/ZHvSjR5ZrsoxwKbJa3xmo/MFKEByd1QILwQPNAFPIfV_diagram-account-binding-api-e-wallet-direct-debit-snap-process-flow.jpg "Account Binding - API E-Wallet (Direct Debit) SNAP Process Flow") Flow Descriptions: 1. The Customer requests an account binding to the Merchant. 2. The Merchant requests a B2B access token to the NICEPAY. 3. NICEPAY performs validation. 4. NICEPAY generates a B2B access token. 5. NICEPAYsends a B2B access token response to the Merchant. 6. The Merchant receives the B2B access token. 7. The Merchant generates a signature. 8. The Merchant requests an account binding to the NICEPAY. 9. During the B2B access token request process: - If the parameters are invalid: - NICEPAY sends a failed response to the Merchant. - The Merchant receives the response sent by NICEPAY. - If the parameters are valid: - NICEPAY requests an account binding to the Partner. - The Partner receives the account binding request. - The Partner sends an OTP to the Customer. - The Customer receives the OTP sent by the Partner. - The Customer submits the OTP to the Partner. - The Partner receives the OTP submitted by the Customer. - The Partner sends an account binding response to NICEPAY. - NICEPAY receives the account binding response sent by the Partner. - NICEPAY sends an account binding response to the Merchant. - The Merchant receives the account binding response. - The Merchantredirects the Customer to the account binding page. 10. The Customer inputs User's authentication and sends them to the Partner. 11. The Partner processes the account binding. 12. The Partner sends an authentication code response to NICEPAY. 13. NICEPAY receives the authentication code. 14. NICEPAY sends the authentication code response to the Merchant. 15. The Merchantreceives the authentication code. 16. The Merchant requests the B2B2C access token to the NICEPAY. 17. During the B2B2C access token request process: - If the parameters are invalid: - NICEPAY sends a failed response to the Merchant - The Merchant receives the response sent by NICEPAY. - If the parameters are valid: - NICEPAY requests the B2B2C access token to the Partner. - The Partner receives the B2B2C access token request. - The Partner sends the account binding successful response to NICEPAY. - NICEPAY receives the successful account binding. - NICEPAY redirects the successful account binding to the Merchant. - The Merchant receives the successful account binding. - The Merchant displays the successful account binding to the Customer. ## Unbinding - Account Binding API E-Wallet (Direct Debit) SNAP ![Unbinding - API E-Wallet (Direct Debit) SNAP Process Flow](https://api.archbee.com/api/optimize/ZHvSjR5ZrsoxwKbJa3xmo/S202XieSyJQcJRkvl_6dX_diagram-unbinding-api-e-wallet-direct-debit-snap-process-flow.jpg "Unbinding - API E-Wallet (Direct Debit) SNAP Process Flow") Flow description: 1. The Customer requests account unbinding to the Merchant. 2. The Merchant requests account unbinding to the NICEPAY. 3. During the account unbinding request process: - If the parameters are invalid: - NICEPAY sends a failed response to the Merchant. - The Merchant receives the response sent by NICEPAY. - If the parameters are valid: - The Partner processes the account unbinding request. - The Partner sends an account unbinding response to NICEPAY. - NICEPAY receives the account binding response sent by the Partner. - NICEPAY sends an account unbinding response to the Merchant. - The Merchant receives the account unbinding. - The Merchant displays the transaction refund page to the Customer. # Lists of API Account Binding - E-Wallet (Direct Debit) SNAP *** ::::LinkArray{contentSource="CUSTOM"} :::LinkArrayItem{headerType="IMAGE" headerImage="https://api.archbee.com/api/optimize/ueSgidS-H3kdWkcRhVS2v-BKVPoV3GsiQriuVNpm3hV-20250910-074424.jpg"} [Access Token B2B & B2B2C - Account Binding API E-Wallet (Direct Debit) SNAP](docId\:OtE0XWOYTi698Exrcb_Ld) uses to obtain an access token for account binding and balance inquiry processes. ::: :::LinkArrayItem{headerType="IMAGE" headerImage="https://api.archbee.com/api/optimize/ueSgidS-H3kdWkcRhVS2v-0G73dB8_o7uhp1iI9LVWo-20250910-074452.jpg"} [Registration - Account Binding API E-Wallet (Direct Debit) SNAP](docId\:cqyYFUl-BPZ0J73mF6vfi) uses to register an account for the transaction process. ::: :::LinkArrayItem{headerType="IMAGE" headerImage="https://api.archbee.com/api/optimize/ueSgidS-H3kdWkcRhVS2v-mY-Ls3U7sS5AXIRmXL015-20250910-074509.jpg"} [Inquiry - Account Binding API E-Wallet (Direct Debit) SNAP](docId\:qh1OqsC5xlTr5LKa2PBta) uses to check the account binding status. ::: :::LinkArrayItem{headerType="IMAGE" headerImage="https://api.archbee.com/api/optimize/ueSgidS-H3kdWkcRhVS2v-Tebrdfe_d0sFzBjfHcYm4-20250910-074520.jpg"} [Unbinding - Account Binding API E-Wallet (Direct Debit) SNAP](docId:5-97aL50g4TfbCSqwSsug) uses to unbind a User's account. ::: ::::