PNB ONE API Integration — OpenData · OpenFinance

Protocol Analysis · OpenBanking integration · UPI / IMPS / NEFT / Bharat QR interface implementation
Starting at $300 · Executable source delivered
OpenData · OpenFinance · Reusable Protocols

Integrate PNB ONE's core accounts and payment capabilities into your system

We provide end-to-end delivery based on Open Finance and local regulatory requirements: protocol reverse engineering / API mapping, production-ready API source code, documentation, and testing scripts to help you integrate loans, accounts, and reconciliation into your backend or data warehouse.

Loan application & approval API: create applications, track approval status, trigger disbursement and repayment schedules, with audit and consent records.
Statement & reconciliation export: export statements by date, account, or product in JSON/CSV/Excel, with incremental pull and pagination.
User & risk data integration: sync KYC, credit history and scoring fields, support custom risk models.
Compliance & auditing: minimize data retention, consent logging, and local regulation guidance (OJK/other).
Get a Quote View Deliverables

Deliverables (Sample)

Standard Delivery

  • OpenAPI / Swagger definitions and example requests
  • Protocol & authorization analysis report (including sessions, signatures, and anti-traud measures)
  • Running backend sample code (Node.js / Python / Java optional) with deployment guide
  • Automated tests and integration test suite
  • Compliance guidance and data retention recommendations

Example: Loan Application (pseudo)

<!-- pseudo code -->
POST /api/v1/pnb/loan/apply
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>
{
  'user_id': 'user_123',
  'amount': 2000000,
  'term_days': 90,
  'purpose': 'Emergency medical',
  'kyc': {
    'id_type': 'KTP',
    'id_number': '320xxxx',
    'selfie_url': 'https://files.example.com/selfie.jpg',
    'id_image_url': 'https://files.example.com/ktp.jpg'
  }
}

Response: {
  'status': 'PENDING',
  'application_id': 'APP-20251001-0001',
  'approved_amount': null,
  'expected_disbursement_date': null
}

Common integration scenarios

Loan disbursement callbacks, repayment schedules, reconciliation exports, KYC data synchronization, merchant/bank partnerships for batch disbursements.

Security & Compliance

  • OAuth2 / Bearer tokens, API keys and signed callbacks
  • Data minimization and encryption at rest/in transit
  • Audit-ready logs and RBAC-based access controls
  • Compliance with local/regional regulations (e.g., India/Indonesia privacy norms)

Contact

To discuss integration, quotes or submit a target App name and requirements, please visit our contact page:

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📱 Official App: PNB ONE (Overview, collapsed)

PNB ONE is Punjab National Bank's official mobile banking app, integrating multiple banking services into one, including account management, real-time payments (UPI/NEFT/IMPS), investments, loans, card management and bill payments.

  • Dashboard: account overview across savings, current, term deposits and loans
  • Transfers: internal transfers, NEFT/IMPS/UPI to third parties, supports real-time and batch requests
  • Investments: term deposits, mutual funds and insurance entry points
  • Transactions & plans: view history, set up recurring and scheduled transfers, favorites
  • Card management: apply/freeze/change limits, e-statements
  • UPI support: send/receive, transaction records, complaints management
  • QR payments: Bharat QR direct payments
  • Check and e-statements: view cheque status, download e-statements
  • Multilingual: English and Hindi supported

Note: The above is a summary of official features; actual APIs and access rights are determined by official channels and contracts.