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": "5088XXXXXXXX0005",
	"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": "M2P KARTHICK TNIN",
	"additionalResponseData": null,
	"track1Data": null,
	"transactionCurrencyCode": "356",
	"settlementCurrencyCode": null,
	"cardholderBillingCurrencyCode": null,
	"additionalAmount": "9090356D000000001000",
	"chipData": null,
	"adviceReasonCode": null,
	"posDataCode": "5116615GA000000400051Address",
}

                            
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Corporate

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Credit Card

Modern Credit Card issuance made fully available on APIs for innovators to design world-class experiences

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