These APIs simplify and automate utility bill payments for corporate clients. They offer a centralised solution to initiate, monitor, and complete transactions efficiently and accurately.
- Overview
- APIs Offered
- Applications must get the token using the “Get Token API," which will provide the access token details. This token must be used for the subsequent interactions of RESTful APIs. Tokens will be valid for 180s
- Bulk support is against one CIF ID i.e. multiple entries can be updated in one batch referring to a single CIF.
- You may have to initiate a new batch for a different CIF.
- For enquiry CIF and Batch id mandatory.
This API streamlines bill settlement by instantly fetching bill amounts and enabling seamless payment processing with the service providers like ADDC, AADC, SEWA, DEWA, SALIK, NOQODI, ETISALAT, DU, etc.
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Flow Chart
What operations can be performed?
1. billInquiry: This service is a POST method and enables corporates to retrieve the pending bill amount in real-time.
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2. billPayment: This POST method helps to initiate bill payment transaction with the service provider.
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3. billPaymentInquiry:: This is a GET method that helps to inquire about the status of the transaction.
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IMPORTANTS NOTES:
Mashreq’s Utility Bill Payment APIs enable corporate clients to fetch real-time bill amounts, seamlessly process payments, and gain immediate transaction visibility with the service providers like ADDC, AADC, SEWA, DEWA, SALIK, NOQODI, ETISALAT, DU, etc. This solution is built with enterprise-grade security, ensuring reliability, reducing manual overhead, and promoting operational efficiency across financial workflows related to utility payments.
What are the benefits?
Real-Time Bill Retrieval
Instantly fetches accurate and up-to-date utility bill amounts from service providers, eliminating delays and improving planning.
Automated Payment Processing
Enables seamless and secure bill payment directly from the corporate treasury or ERP systems, reducing manual intervention.
Operational Efficiency
Reduces the need for reconciliation and manual tracking, thereby streamlining back-office operations and improving resource allocation.
Enhanced Financial Control
Provides visibility into due amounts and payment status, enabling better liquidity management and timely settlements.
Improved Security and Fraud Prevention
Enforces authentication, authorisation, and data integrity protocols, minimising the risk of payment fraud or unauthorised transactions.
Regulatory Compliance and Audit Readiness
Supports audit trails, standardized reporting, and integration with compliance tools, aiding corporates in meeting regulatory requirements effortlessly.
Which APIs are offered?
- Bill Payment API: This API streamlines bill settlement by instantly fetching bill amounts and enabling seamless payment processing with the service providers like ADDC, AADC, SEWA, DEWA, SALIK, NOQODI, ETISALAT, DU, etc.
By leveraging Mashreq’s Utility Bill Payment APIs, corporates can streamline payment operations, strengthen cash flow management, and establish trust in every transaction.