iMESSAGE PAYMENT

iMessage payment allows the user to initiate a payment to a beneficiary i.e. the contact in context of the conversation by launching the app from iMessage.

On selection of Zigbank app from iMessage, the user will initiate a payment by clicking ‘Send Money’ and the user will be taken to an authentication screen to authenticate using touch ID.

On successful authentication, the user will enter payment details and confirm the payment.

On payment confirmation, system will send a link to the beneficiary to claim the payment and also generates a security code that is displayed to the initiator which needs to be shared with the beneficiary separately.

Note:
Limits defined for P2P transfer will be utilized.
On initiation of the payment, account of the initiator will get debited or hold will be placed on the account depending on the bank setup.
This feature is available only on iOS devices with minimum version of iOS11.

Pre-Requisites

• User has set Touch ID as an alternate login for Zigbank application.

Initiate Payment

To initiate a payment in iMessage:

1. Launch the iMessage application on the device.
2. Open a conversation in iMessage with the contact i.e. beneficiary to whom payment needs to be initiated.

3. Click to launch the Zigbank application.to quick pay.

4. Click Send Money to transfer money to the contact in context i.e. beneficiary. The Touch ID authentication screen appears.  

5. Use Touch ID i.e. place the finger on the device sensor so that the user can be authenticated.
6. The money transfer screen appears on successful authentication.

7. From the Transfer From list, select an account from which the payment needs to be made to the beneficiary.
8. From the Currency list, select currency.
9. In the Amount field, enter the amount that needs to be transferred to the beneficiary.
10. In the Remarks field, enter transaction remarks/comments for reference.
11. Click Pay to initiate payment.
    The Verify and Confirm screen appears.
    OR
    Click Cancel to cancel the transaction.
12. The success message of payment along with the transaction reference number appears.
13. System will send a link to the contact in context i.e. the beneficiary to claim the payment.
14. The security code will be displayed to the user and can be shared with the beneficiary as a separate message.

Claim Money – Payment initiated to iMessage contact

To claim money by beneficiary:

1. User i.e. beneficiary of the payment can click on the link sent by the system on the iMessage application to claim money. User will be re-directed to the Claim Money screen to claim the payment.

Note: The user i.e. beneficiary will always be re-directed to the URL of the entity from which the sender initiated the payment. P2P payment initiated from one entity cannot be claimed in another entity.

2. In the Security code field, enter the security code as provided by the sender of funds.

3. For the subsequent steps on Claim Money process, refer P2P payments - Claim Money document.

FAQs

Can every Zigbank user initiate a payment through iMessage or there is an additional configuration required?

There is no additional configuration required. User having iOS device with the required version can initiate payment through iMessage.

Can I initiate a payment to multiple contacts in one go?

No. You can initiate payment only to the contact in context and cannot be sent to multiple contacts in question.

How will the beneficiary i.e. contact claim the payment initiated by the sender?

On initiation of payment by the sender, the beneficiary will get a link in iMessage and on click he will be redirected to URL wherein he will enter the security code provided by the sender to claim payment.