Freecharge 接口集成与开放金融解决方案

针对 com.freecharge.android(Axis Bank 合作)提供 UPI/充值/账单与金融产品的合规接口实现与源代码交付

起价 $300
OpenData · OpenFinance · 协议分析 · UPI-Lite

把 Freecharge 的支付、充值与金融服务安全接入到你的平台

我们专注于移动 App 协议分析与合规对接:UPI / UPI-Lite 支付、免密快捷充值、账单与礼品卡服务、以及与 Axis Bank 等合作银行的对接实装。

UPI / UPI-Lite 支付集成 — 支持免密小额 UPI-Lite 流程、扫码支付与常规 UPI 授权流程的服务端封装与 SDK。
充值与账单接口 — 手机充值、DTH、宽带与电力账单保障高并发情况下的幂等与回调处理。
钱包、优惠与礼品卡 — 钱包余额同步、优惠券/返现规则与礼品卡购买/核销 API 一体化设计。
金融产品对接 — 金融产品(如数字定期、金贷、信用线)合规对接和申请流程自动化。

我们可以交付的清单

交付项(典型)

  • 接口规范(OpenAPI / Swagger)与数据字典
  • 协议与授权流程分析(包含 VMN/SMS、Token 流程、证书钉扎检测)
  • 可运行源代码(Node.js / Python / Go)——包含示例服务与 SDK
  • Postman 集合、自动化测试脚本与集成测试用例
  • 安全与合规建议(数据最小化、日志保留、KYC 与 PCI 指导)

示例:对接 Freecharge 支付与对账(伪代码)

{
  "POST /api/v1/freecharge/auth/session": {
    "description": "交换设备令牌并获取访问令牌",
    "body": {"device_id":"", "vmn_code":""},
    "response": {"access_token":"xxx","refresh_token":"yyy","expires_in":3600}
  }
}

// 发起 UPI-Lite 支付(伪接口)
POST /api/v1/freecharge/payments/upi-lite
Authorization: Bearer 
{
  "amount": 250.00,
  "merchant_id": "M123",
  "payment_ref": "ORDER-20251001-01"
}

Response: {"status":"PENDING","tx_id":"TX1001","callback_url":"/webhook/payment"}

适配场景

P2P 转账、UPI / UPI-Lite 收单、充值与账单代缴、礼品卡购买/核销、金贷/定期产品申请与放款对接,以及与 Axis Bank 等银行的清结算对接。

核心能力与优势

  • 资深移动协议分析团队,覆盖 Android/iOS 应用反向工程与合法授权分析
  • 熟悉印度 UPI 生态、VMN/SMS 验证与银行对接流程
  • 可交付 OpenAPI、SDK、示例代码与自动化测试用例
  • 合规优先:KYC、隐私保护与最小化数据存储策略

联系我们

准备开始?只需提供目标 App 名称(已提供:Freecharge)与具体需求(例如:UPI-Lite 收单、充值并发优化、账单对账导出),我们在收到信息后会给出评估与报价。

查看联系方式 / 提交需求

API 集成指引(技术概要)

  1. 确认边界与授权:确保客户拥有对目标 App 或业务账号的必要授权,签署 NDA(如需要)。
  2. 协议分析:静态与动态分析 App 行为,记录关键端点、请求/响应模型与签名/加密方式(2–5 个工作日)。
  3. 授权实现:实现合法的登录/会话流程(例如 VMN/SMS、OAuth 或自有 Token),并在后端安全存储刷新凭证。
  4. API 设计与幂等:为支付/充值/账单场景设计幂等接口与重试策略,定义 webhook 回调与确认机制。
  5. 交付与验证:提供 OpenAPI、示例后端服务、Postman 集合与自动化测试,并配合客户联调与沙箱验证。

常见技术要点

  • 短信/VMN 验证链路需要与运营商规则对应,注意国际短信费用与触达可靠性。
  • 检测并合理处理证书钉扎(certificate pinning),所有分析均在客户授权范围内进行。
  • 对账与失败补偿:设计事务日志与补偿流程,确保资金一致性。
  • 合规日志:提供访问日志、同意记录与最小化数据保留建议以满足审计要求。

关于我们的工作室

我们是专注于 App 接口集成与授权协议分析的技术工作室,成员来自支付网关、银行与移动安全领域。为全球客户提供端到端服务:协议分析、接口重构、Open Data 与第三方授权集成、自动化脚本与接口文档交付。

  • 支持 Android/iOS,交付可运行源码(Node/Python/Go)与 SDK
  • 合规实现,熟悉印度 UPI、NPCI、RBI 相关要点
  • 透明报价:起步服务 $300,可先交付样品再确认付款

合作流程(简要)

  1. 提交需求(目标 App 名称 + 集成目标 + 期望交付)
  2. 快速评估(1–3 个工作日),给出范围与报价
  3. 协议分析并输出接口草案(2–6 个工作日)
  4. 开发、测试与交付(通常 5–15 个工作日,视复杂度)
📱 Freecharge 官方 App 功能与原始说明(附录)
appPackageId: com.freecharge.android
Freecharge: One App for All Your Financial and Payment Needs
Trusted by Millions: Freecharge, powered by Axis Bank, serves over 50 million users across India. Effortlessly manage UPI payments, recharges, and bill payments, while exploring financial offerings such as credit scores, gold loans, and digital FDs—all in one seamless app.

Key Features:

UPI Lite: Experience faster, hassle-free transactions without entering your UPI PIN.
Secure Transactions: Protect your data with 128-bit encryption technology for safe and secure transactions.
UPI Payments: Link multiple bank accounts, manage payments, and access a convenient credit line.
Bill Payments & Recharges: Handle bill payments, mobile recharges, and subscriptions effortlessly in one app.
Gift Cards: Choose from a variety of gift cards redeemable both online and in-store.
Cashback Offers: Unlock exclusive cashback deals on recharges, bill payments, and shopping.
Gold Loan: Get quick and secure gold loans online at competitive rates, powered by Axis Bank.
Mobile Recharge Reminders: Stay on top of your recharges with timely notifications for upcoming due dates.

Effortless UPI Payments:

UPI Lite: Make quick payments up to ₹500 without entering your PIN for a faster, hassle-free experience.
Freecharge UPI ID: Set up your UPI ID to transfer money swiftly and securely.
Rupay Credit Card: Link your Rupay credit card for seamless UPI transactions and added convenience.
Auto Mandate: Automate recurring bill payments to ensure they’re always on time.
Bank Account Management: Manage multiple bank accounts, including Axis, SBI, HDFC, ICICI, and over 130 others, all from one app.

Recharge and Bill Payments:

Mobile Recharges: Quickly recharge for JIO, Airtel, VI, BSNL, and more with top offers and reminders for upcoming recharges.
Bill Payments: Pay electricity bills for providers like Tata Power, BSES, DHBVN, UNBVN, and 70+ others. Manage water, gas, postpaid mobile, and broadband bills effortlessly with exciting cashback offers.
Credit Card Payments: Simplify credit card bill payments, manage multiple cards, avoid late fees, and ensure timely payments in one place.
FASTag Services: Recharge your FASTag to skip toll queues or purchase one directly from the app for hassle-free travel.
Subscription Management: Renew OTT subscriptions like SonyLIV, Z5, and Wynk Music conveniently through the app.

Exciting Cashback and Offers:

Unlock exclusive cashback on bills, shopping, and recharges, making every transaction more rewarding.

Gift Cards for Every Occasion:

Wide Selection: Explore diverse gift cards for birthdays, anniversaries, festivals, and more.
Flexible Redemption: Redeem gift cards online or in-store at leading retailers for added convenience.
Exclusive Cashback: Enjoy great cashback offers on gift card purchases.

Financial Services by Freecharge:

Credit Score Insights: Check your credit score and access detailed reports to make informed financial decisions.
Axis Bank Fixed Deposits: Open a Digital Fixed Deposit in minutes, choose your tenure, and enjoy assured returns to grow your savings.
Gold Loans: Apply online for quick and secure gold loans with competitive rates and fast disbursement to your account.

Contact Us:

Email: [email protected] | [email protected]
Registered Office: 11th Floor, Tower C, DLF Cyber Greens, DLF Cyber City, DLF Phase 3, Gurugram, Haryana 122022, India
Contact Number: 0124 663 4800