Yes, it is possible to automatically credit money into a bank account using Node.js and the appropriate APIs. Below is a simplified example using a hypothetical scenario, and you might need to adjust it based on the actual payment gateway or API you're working with.
Assuming you have a payment gateway API and the necessary credentials for authentication, here's a basic outline using Node.js:
const axios = require('axios');
// Replace these values with your actual API credentials and endpoints
const API_KEY = 'your_api_key';
const API_ENDPOINT = 'https://api.example.com';
// Function to transfer money from merchant to customer account
async function transferMoney(paymentProfileId, amount) {
try {
// Step 1: Get customer's bank details using payment profile id
const customerBankDetails = await getCustomerBankDetails(paymentProfileId);
// Step 2: Transfer money to the customer's bank account
const transferResponse = await initiateTransfer(customerBankDetails, amount);
console.log('Money transfer successful:', transferResponse);
return transferResponse;
} catch (error) {
console.error('Error transferring money:', error.message);
throw error;
}
}
// Function to get customer's bank details using payment profile id
async function getCustomerBankDetails(paymentProfileId) {
try {
const response = await axios.get(`${API_ENDPOINT}/customer/${paymentProfileId}/bank-details`, {
headers: {
'Authorization': `Bearer ${API_KEY}`,
},
});
return response.data.bankDetails;
} catch (error) {
throw new Error('Error fetching customer bank details');
}
}
// Function to initiate money transfer
async function initiateTransfer(customerBankDetails, amount) {
try {
const transferPayload = {
amount,
bankAccount: customerBankDetails.accountNumber,
// Add other necessary details for the transfer
};
const response = await axios.post(`${API_ENDPOINT}/transfer`, transferPayload, {
headers: {
'Authorization': `Bearer ${API_KEY}`,
},
});
return response.data;
} catch (error) {
throw new Error('Error initiating money transfer');
}
}
// Example usage
const paymentProfileId = 'customer_payment_profile_id'; // Replace with the actual payment profile id
const transferAmount = 100; // Replace with the actual amount
transferMoney(paymentProfileId, transferAmount);
This example assumes you have API endpoints for retrieving customer bank details and initiating a money transfer. Make sure to replace the placeholder values with your actual API key, endpoints, and implement the necessary error handling and validation based on the documentation of the payment gateway you are using.
