Flow in use

Here's how we built the flow of KODO to reach SMEs

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the Challenge

Pileup of expenses = No working capital

SME's often experience cash crunch due to bill payments, inventory purchases, and other expenses. Working capital becomes scarce due to a pile-up of expenses and bill payments, and it hinders the business's growth.

the solution

Thriving cash flow = KODO credit card

KODO was one such lending platform that offered a corporate credit card with interest-free funds. Further, it gave a flexible repayment period and on-demand working capital loans.

the outcome

Transactions - and counting...

No. of transactions

400 Thousand

amount transacted

4.5 Million $

end point overview

Workings of YAP Credit

Know how YAP APIs are enabling SME lending

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API Response

Run
                            
                                {
                                    "mti": "0200",
                                    "pan": "5088830000000037",
                                    "processingCode": "311000",
                                    "transactionAmount": "0000000000000",
                                    "settlementAmount": null,
                                    "cardHolderBillingAmount": null,
                                    "dateTimeTransaction": "0412183004",
                                    "settlementConversionRate": null,
                                    "cardholderBillingConversionRate": null,
                                    "stan": "247972",
                                    "rrn": "242772502272",
                                    "timeLocalTransaction": null,
                                    "dateLocalTransaction": "183008",
                                    "expiryDate": null,
                                    "mcc": "6011",
                                    "channel": null,
                                    "acquiringCountryCode": "356",
                                    "posEntryMode": "901",
                                    "cardSeqNumber": null,
                                    "pointOfServiceConditionCode": "00",
                                    "feesAmount": null,
                                    "acquiringInstitutionCode": "720397",
                                    "forwardingInstitutionCode": null,
                                    "authorizationIdResponse": null,
                                    "responseCode": null,
                                    "serviceConditionCode": "520",
                                    "cardAcceptorTerminalId": "TEST1234",
                                    "cardAcceptorId": "TEST12345678901",
                                    "cardAcceptorNameLocation": "M2PBANK KARTHICK TNIN",
                                    "additionalResponseData": null,
                                    "track1Data": null,
                                    "transactionCurrencyCode": "356",
                                    "settlementCurrencyCode": null,
                                    "cardholderBillingCurrencyCode": null,
                                    "additionalAmount": "9090356D000000001000",
                                    "chipData": null,
                                    "adviceReasonCode": null,
                                    "posDataCode": "5116615GA000000400051AddressAddressAddres",
                                }
                                
                            
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Payments | UPI & Acceptance

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