FastPlay

FastPlay allows a user a quick way of either depositing money or logging into your site. Both methods include a fully compliant Know Your Client (KYC) verification.

Generate A Payment Token

There are several unique pieces of information that need to be sent in order to initiate a successful FastPlay session. The Gigadat portal provides you with an endpoint in which you can generate a secure payment token containing all the information you will require for the conclusion of a FastPlay session.

You can create a payment token by sending a POST request to https://interac.express-connect.com/api/payment-token/{campaignId}.

The body of the request should contain a valid JSON object with all mandatory fields that are specified per transaction type. This is an example of the raw JSON body that is expected with your POST request to /api/payment-token:

{
  "transactionId": "<your own unique ID for the session>",
  "action": "deposit|login",
  "amount": "50",
  "currency": "CAD",
  "site": "my-site.com",
  "userIp": "xxx.xxx.xxx.xxx",
  "type": "FPL",
  "sandbox": "true|false",
  "lang": "en|fr"
}

Initiate FastPlay

A FastPlay session can be initiated by redirecting your user to:

https://interac.express-connect.com/webflow?transaction={uniqueId}&token={paymentToken}

Action Types

A FastPlay session can either be an initial deposit and KYC verification for a first-time user, or a login for a returning user. You can distinguish between the two actions by specifiying the action property in your payment token payload.

Initial/Recurring Deposit

A deposit can be initiated by setting "action": "deposit" in your payment token payload. In the initial deposit, the user is guided through a deposit flow, followed by a fully compliant KYC flow. With the user's initial deposit, all deposit and related KYC data will be returned. On a recurring deposit for the same user, only the deposit information will be returned, along with their uniquely generated FastPlay ID.

Returning User (No Deposit)

Returning user activity can be initiated by setting "action": "login" in your payment token payload. With a returning user, we verify that the user has already been successfully verified, guide them through a deposit flow, and return a payload back to you with the final status of the login.

Listener

You are expected to implement a listener that accepts incoming POST requests from Gigadat. These requests will be sent on every status update of the FastPlay session.

The POST Request Data from Gigadat contains two query parameters:

• transaction - The unique ID of the FastPlay session that was provided in the initial payment token and request to /webflow.
• status - For a login action, status contains the current status of the login. For a desposit action, status reflects the current status of the transaction/deposit.

The request will also contain data in the body with all the updated information of the FastPlay session, such as deposit and KYC data.

The listener must respond to requests from Gigadat. Gigadat expects responses to include RESPONSE STATUS CODES. Gigadat DOES NOT validate the content of the response body. If the received response has a status code between 200 and 299, it is considered successful. Any other status code will result in the request being queued for a retry.

Retry Schedule

Response Codes

The expected status code responses from a listener are:

Listener Sample Results

Below are some results that you can expect to be returned to your listener in various FastPlay outcomes:

Login Initiated

POST https://your-site.com/gigadat-listener?transaction={yourUniqueTransactionId}&status=STATUS_INITED

With the following data in the body:

{
  "type": "FPL",
  "userIp": "184.71.40.34",
  "transactionId": "<yourUniqueTransactionId>",
  "action": "login",
  "iat": "1656349565",
  "exp": "1656435965",
  "site": "test.com",
  "cookie": "860db5f404a9d091094edd4ca3ee1bee",
  "kycValidationStatus": "<fastPlaySessionStatus>"
}

Login Completed

POST https://your-site.com/gigadat-listener?transaction={yourUniqueTransactionId}&status={finalStatus}

With the following data in the body:

{
  "type": "FPL",
  "userIp": "184.71.40.34",
  "action": "login",
  "iat": "1655912779",
  "exp": "1655999179",
  "transactionId": "<yourUniqueTransactionId>",
  "site": "test.com",
  "cookie": "860db5f404a9d091094edd4ca3ee1bee",
  "kycValidationStatus": "STATUS_FAILED|STATUS_SUCCESS|STATUS_EXPIRED|STATUS_ABORTED1",
  "rCode": "100|201|303|230|305"
  "fastPlayUserId": "<unique id generated by gigadat for this FastPlay user>"
}

Deposit Initiated

POST https://your-site.com/gigadat-listener?transaction={yourUniqueTransactionId}&status=STATUS_INITED

With the following data in the body:

{
  "currency": "CAD",
  "amount": "100",
  "type": "FPL",
  "userIp": "184.71.40.34",
  "action": "deposit",
  "iat": "1655912779",
  "exp": "1655999179",
  "transactionId": "<yourUniqueTransactionId>",
  "site": "test.com",
  "cookie": "860db5f404a9d091094edd4ca3ee1bee",
  "kycValidationStatus": "<fastPlaySessionStatus>",
  "mpgData": "{\"password\":{\"id\":\"3bb03bcbd70e17e96a0f0c182c69bc71\",\"password\":\"Calgary\",\"created_at\":\"2019-01-24T20:06:58.000Z\",\"updated_at\":\"2019-01-24T20:06:58.000Z\"},\"userInfo\":{},\"message\":\"edf18c3e\",\"question\":\"Wyzia\",\"amount\":100,\"responseEmail\":\"user@personalemail.com\",\"cpi\":2,\"aquirer\":\"3\"}"
}

Deposit Completed

POST https://your-site.com/gigadat-listener?transaction={yourUniqueTransactionId}&status={transactionFinalStatus}

With the following data in the body:

{
  "currency": "CAD",
  "amount": "100",
  "type": "FPL",
  "userIp": "184.71.40.34",
  "action": "deposit",
  "iat": "1657551623",
  "exp": "1657638023",
  "transactionId": "PNP_2732334",
  "site": "test.com",
  "cookie": "860db5f404a9d091094edd4ca3ee1bee",
  "kycData": {
    "creditFileData": {
      "first_name": "John",
      "last_name": "Doe",
      "also_known_as": [
        "Doe John",
        "Johnny Doe"
      ],
      "addresses": [
        {
          "city": "Toronto",
          "province": "ONTARIO",
          "postal_code": "M2P 1N6",
          "address": "4101 Yonge Suite 501",
          "country": "CA",
          "date_reported": "2022/01/01"
        },
        {
          "city": "Toronto",
          "province": "ONTARIO",
          "postal_code": "M5T 2K8",
          "address": "58 AUGUSTA AVE",
          "country": "CA",
          "date_reported": "2016/03/01"
        }
      ],
      "city": "Toronto",
      "province": "ONTARIO",
      "postal_code": "12345",
      "address": "4101 Yonge Suite 501",
      "country": "CA",
      "DOB": "1990/01/26",
      "institution_name": "The Bank",
      "transit_number": "12345",
      "institution_number": "123",
      "account_number": "1234567",
      "active": "true",
      "credit_file_created_date": "2012/10/24",
      "date_of_transaction": "2022/04/25",
      "unique_number": "0049983331",
      "single_source": "false",
      "dual_source": "true",
      "dual_source_decision": "false",
      "no_of_trade_on_file": "001",
      "input_dob": "1990/01/26",
      "input_name": "John,Doe,,",
      "input_address": "4101 Yonge Suite 501",
      "last_name_match": "true",
      "first_name_match": "true",
      "middle_name_match": "NOT PROVIDED",
      "suffix_name_match": "NOT PROVIDED",
      "address_civic_match": "true",
      "address_street_name_match": "true",
      "address_city_match": "false",
      "address_postal_code_match": "false",
      "address_province_match": "true",
      "date_of_birth_match": "true",
      "dob_as_reported": "1990/01/26",
      "name_as_reported": "John,Doe,,",
      "address_as_reported": "4101 Yonge Suite 501, Toronto, ON, M2P 1N6",
      "age_of_credit_file_six_or_more_months_old": "true",
      "residence_since_date": "",
      "data_warning_messages": [
        {
          "code": "2",
          "description": "CAUTION - SUFFIXES ARE UNEQUAL"
        }
      ]
    },
    "bankData": {
      "first_name": "John",
      "last_name": "Doe",
      "address": "1275 avenue des Canadiens-de-Montréal",
      "city": "Montréal",
      "province": "QC",
      "postal_code": "H3B 5E8",
      "country": "CA",
      "email": "johndoe@personalemail.com",
      "mobile": "(514) 333-7777",
      "institution_name": "The Bank",
      "transit_number": "77777",
      "institution_number": "777",
      "account_number": "1111000",
      "active": "true"
    },
    "additionalKYCData": {
      "descriptiveOccupation": "Test",
      "phoneNumber": "ddf",
      "employerName": "df",
      "employerAddress": "df",
      "citizenship": "df",
      "aliasName": "df",
      "notPep": "true",
      "notThirdParty": "true",
      "signatureText": "Signature",
    },
    "documentData": {
      "address": "2345 Anywhere, Street",
      "city": "Your City",
      "province": "NY",
      "country": "United States",
      "postal_code": "12345",
      "first_name": "KEN",
      "last_name": "CK",
      "DOB": "1971-12-15",
      "gender": "Male",
      "document_type": "driving_licence",
      "issuing_country": "USA",
      "issuing_province": "NY",
      "date_of_expiry": "2031-05-28",
      "document_numbers": [
        {
          "type": "document_number",
          "value": "123123123"
        }
      ],
      "result": "clear",
      "sub_result": "clear",
      "breakdown": {
        "facial_similarity": {
          "result": "clear",
          "sub_result": "",
          "face_comparison": {
            "result": "clear",
            "breakdown": {
              "face_match": {
                "result": "clear",
                "properties": {
                  "score": "0.6512",
                  "document_uuid": "1b5c8497-1b09-4fee-b47c-6cc720ad0f5e"
                }
              }
            }
          },
          "image_integrity": {
            "result": "clear",
            "breakdown": {
              "source_integrity": {
                "result": "clear"
              },
              "face_detected": {
                "result": "clear"
              }
            }
          },
          "visual_authenticity": {
            "result": "clear",
            "breakdown": {
              "spoofing_detection": {
                "result": "clear",
                "properties": {
                  "score": "0.9512"
                }
              }
            }
          }
        },
        "age_validation": {
          "result": "clear",
          "breakdown": {
            "minimum_accepted_age": {
              "result": "clear"
            }
          }
        },
        "police_record": {
          "result": "clear"
        },
        "image_integrity": {
          "result": "clear",
          "breakdown": {
            "colour_picture": {
              "result": "clear"
            },
            "supported_document": {
              "result": "clear"
            },
            "conclusive_document_quality": {
              "result": "clear"
            },
            "image_quality": {
              "result": "clear"
            }
          }
        },
        "data_comparison": {
          "result": "clear",
          "breakdown": {
            "gender": {
              "result": "clear"
            },
            "date_of_birth": {
              "result": "clear"
            },
            "first_name": {
              "result": "clear"
            },
            "document_numbers": {
              "result": "clear"
            },
            "document_type": {
              "result": "clear"
            },
            "last_name": {
              "result": "clear"
            },
            "date_of_expiry": {
              "result": "clear"
            },
            "issuing_country": {
              "result": "clear"
            }
          }
        },
        "data_consistency": {
          "result": "clear",
          "breakdown": {
            "nationality": {
              "result": "clear"
            },
            "gender": {
              "result": "clear"
            },
            "last_name": {
              "result": "clear"
            },
            "first_name": {
              "result": "clear"
            },
            "multiple_data_sources_present": {
              "result": "clear"
            },
            "date_of_birth": {
              "result": "clear"
            },
            "document_type": {
              "result": "clear"
            },
            "issuing_country": {
              "result": "clear"
            },
            "document_numbers": {
              "result": "clear"
            },
            "date_of_expiry": {
              "result": "clear"
            }
          }
        },
        "compromised_document": {
          "result": "clear"
        },
        "visual_authenticity": {
          "result": "clear",
          "breakdown": {
            "other": {
              "result": "clear"
            },
            "template": {
              "result": "clear"
            },
            "fonts": {
              "result": "clear"
            },
            "face_detection": {
              "result": "clear"
            },
            "digital_tampering": {
              "result": "clear"
            },
            "original_document_present": {
              "result": "clear"
            },
            "security_features": {
              "result": "clear"
            },
            "picture_face_integrity": {
              "result": "clear"
            }
          }
        },
        "data_validation": {
          "result": "clear",
          "breakdown": {
            "mrz": {
              "result": "clear"
            },
            "gender": {
              "result": "clear"
            },
            "expiry_date": {
              "result": "clear"
            },
            "document_expiration": {
              "result": "clear"
            },
            "document_numbers": {
              "result": "clear"
            },
            "date_of_birth": {
              "result": "clear"
            }
          }
        }
      }
    },
    "pep_hio": {
      "status": "Potential",
      "hits": [
        {
          "doc": {
            "id": "6QXW0B7HUQ1N0YU",
            "last_updated_utc": "2022-09-07T05:06:51Z",
            "created_utc": "2016-01-31T11:05:48Z",
            "fields": [
              {
                "name": "Nationality",
                "source": "complyadvantage",
                "value": "Canada"
              },
              {
                "name": "Original Place of Birth Text",
                "source": "complyadvantage",
                "value": "Vancouver"
              },
              {
                "name": "Country",
                "source": "complyadvantage",
                "value": "Canada"
              },
              {
                "name": "Original Country Text",
                "source": "complyadvantage",
                "value": "Canada"
              },
              {
                "name": "Date of Birth",
                "source": "complyadvantage",
                "tag": "date_of_birth",
                "value": "1948-09-10"
              },
              {
                "name": "Gender",
                "source": "complyadvantage",
                "value": "female"
              },
              {
                "name": "Political Position",
                "source": "complyadvantage",
                "tag": "political_position",
                "value": "Advocate"
              },
              {
                "name": "Political Position",
                "source": "complyadvantage",
                "tag": "political_position",
                "value": "Autobiographer"
              },
              {
                "name": "Political Position",
                "source": "complyadvantage",
                "tag": "political_position",
                "value": "Spouse Of The Prime Minister Of Canada"
              },
              {
                "name": "Political Position",
                "source": "complyadvantage",
                "tag": "political_position",
                "value": "ex-wife of the late Canadian prime minister Pierre Trudeau"
              },
              {
                "name": "Countries",
                "tag": "country_names",
                "value": "Canada"
              }
            ],
            "types": [
              "pep",
              "pep-class-1",
              "pep-class-2"
            ],
            "name": "Margaret Trudeau",
            "entity_type": "person",
            "aka": [
              {
                "name": "Մարգարեթ Տրյուդո"
              },
              {
                "name": "Маргарэт Трудо"
              },
              {
                "name": "मार्गरेट ट्रूडो"
              },
              {
                "name": "مارگارت ترودو"
              },
              {
                "name": "マーガレット・トルードー"
              },
              {
                "name": "Margaret Trudeau"
              },
              {
                "name": "瑪格麗特·杜魯多"
              },
              {
                "name": "Μαργκαρέτ Τρυντώ"
              },
              {
                "name": "Маргарет Трюдо"
              },
              {
                "name": "Margaret Sinclair"
              }
            ],
            "associates": [
              {
                "association": "child",
                "name": "Alexandre Trudeau"
              },
              {
                "association": "child",
                "name": "Alicia Kemper"
              },
              {
                "association": "child",
                "name": "Alicia Kemper Trudeau"
              },
              {
                "association": "spouse",
                "name": "Fried Kemper"
              },
              {
                "association": "spouse",
                "name": "Fried Kemper Trudeau"
              },
              {
                "association": "child",
                "name": "Justin Trudeau"
              },
              {
                "association": "child",
                "name": "Kyle Kemper"
              },
              {
                "association": "child",
                "name": "Kyle Kemper Trudeau"
              },
              {
                "association": "child",
                "name": "Michel Trudeau"
              },
              {
                "association": "spouse",
                "name": "Pierre Trudeau"
              }
            ],
            "sources": [
              "complyadvantage"
            ],
            "source_notes": {
              "complyadvantage": {
                "aml_types": [
                  "pep-class-1",
                  "pep-class-2"
                ],
                "country_codes": [
                  "CA"
                ],
                "name": "ComplyAdvantage PEP Data"
              }
            }
          },
          "match_types": [
            "name_exact",
            "year_of_birth"
          ],
          "match_types_details": [
            {
              "aml_types": [
                "pep",
                "pep-class-1",
                "pep-class-2"
              ],
              "matching_name": "Margaret Trudeau",
              "name_matches": [
                {
                  "match_types": [
                    "exact_match"
                  ],
                  "query_term": "margaret"
                },
                {
                  "match_types": [
                    "exact_match"
                  ],
                  "query_term": "trudeau"
                }
              ],
              "secondary_matches": [
                {
                  "match_types": [
                    "exact_birth_year_match"
                  ],
                  "query_term": "1948"
                }
              ],
              "sources": [
                "ComplyAdvantage PEP Data"
              ]
            }
          ],
          "match_status": "potential_match",
          "is_whitelisted": "false",
          "score": "1"
        },
        {
          "doc": {
            "id": "DBQBZVYNCRUWMGK",
            "last_updated_utc": "2022-05-27T22:58:49Z",
            "created_utc": "2019-04-04T13:15:09Z",
            "fields": [
              {
                "name": "Country",
                "source": "complyadvantage",
                "value": "Canada"
              },
              {
                "name": "Original Country Text",
                "source": "complyadvantage",
                "value": "Canada"
              },
              {
                "name": "Date of Birth",
                "source": "complyadvantage",
                "tag": "date_of_birth",
                "value": "1948-09-10"
              },
              {
                "name": "Countries",
                "tag": "country_names",
                "value": "Canada"
              }
            ],
            "types": [
              "pep",
              "pep-class-1"
            ],
            "name": "Margaret Trudeau",
            "entity_type": "person",
            "aka": [
              {
                "name": "Margaret Trudeau"
              }
            ],
            "associates": [
              {
                "association": "child",
                "name": "Trudeau Justin Pierre James"
              },
              {
                "association": "child",
                "name": "Trudeau Justin Pierre James"
              }
            ],
            "sources": [
              "complyadvantage"
            ],
            "source_notes": {
              "complyadvantage": {
                "aml_types": [
                  "pep-class-1"
                ],
                "country_codes": [
                  "CA"
                ],
                "name": "ComplyAdvantage PEP Data"
              }
            }
          },
          "match_types": [
            "name_exact",
            "year_of_birth"
          ],
          "match_types_details": [
            {
              "aml_types": [
                "pep",
                "pep-class-1"
              ],
              "matching_name": "Margaret Trudeau",
              "name_matches": [
                {
                  "match_types": [
                    "exact_match"
                  ],
                  "query_term": "margaret"
                },
                {
                  "match_types": [
                    "exact_match"
                  ],
                  "query_term": "trudeau"
                }
              ],
              "secondary_matches": [
                {
                  "match_types": [
                    "exact_birth_year_match"
                  ],
                  "query_term": "1948"
                }
              ],
              "sources": [
                "ComplyAdvantage PEP Data"
              ]
            }
          ],
          "match_status": "potential_match",
          "is_whitelisted": "false",
          "score": "1"
        }
      ]
    }
  },
  "mpgData": "{\"password\":{\"id\":\"c4ca0d247c5f94cebcf62c95d0d9dff5\",\"password\":\"Canada\",\"created_at\":\"2019-01-24T20:03:11.000Z\",\"updated_at\":\"2019-01-24T20:06:34.000Z\"},\"userInfo\":{\"name\":\"cnywening\",\"email\":\"cnywening@tritonglobal.ca\"},\"message\":\"eed4154b\",\"question\":\"Bitfy\",\"amount\":113,\"responseEmail\":\"gamanuel@gigadatsolutions.com\",\"cpi\":2,\"aquirer\":\"3\",\"name\":\"Ken CK\",\n\"replyTo\":\"bronsky.albert@gmail.com\",\"bankName\":\"FlinksCapital\"}",
  "kycValidationStatus": "STATUS_FAILED|STATUS_SUCCESS|STATUS_EXPIRED|STATUS_ABORTED1",
  "rCode": "100|201|230|304|305|306|308|310",
  "fastPlayUserId": "d09745df-5084-4a49-ae54-bbe132dd5601"
}

Reason Codes (rCodes)

Sandbox Testing

To use the following scenarios for testing, set your sandbox field to true when requesting your payment token. Also include the scenario number and action type. An example of a sandbox scenario would look like this:

{
    transactionId: "<your own unique ID for the FastPlay session>",
    amount: 50,
    currency: "CAD",
    site: "my-site.com",
    userIp: xxx.xxx.xxx.xxx,
    type: "FPL",
    action: "deposit",
    sandbox: "true",
    scenario: <scenario number from table below>,
    fastPlayUserId: "<a fastPlayUserId from a previous successful session>" // optional, see below
}

Deposit

Login

Event Descriptions