ooredoo billpay via bml card

This commit is contained in:
2026-10-03 01:27:29 +05:00
parent 8795d5f758
commit bb76f4e591
9 changed files with 118 additions and 27 deletions
+4 -4
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@@ -77,7 +77,7 @@ A phone number searched with no source yet (or from a BML card that can pay by c
|---|---|---|
| Favara Transfer | bank account behind the number | MIB or BML account |
| Fahipay service | Raastas, Ooredoo Bill Pay, Dhiraagu Reload, Dhiraagu Bill Pay | Fahipay wallet |
| Card service | Dhiraagu Reload, Dhiraagu Bill Pay, Raastas (BML badge) | Verified BML card |
| Card service | Dhiraagu Reload, Dhiraagu Bill Pay, Raastas, Ooredoo Bill Pay (BML badge) | Verified BML card |
One option is applied straight away; with more, a picker opens and Send stays disabled until one is chosen. Picking a type also picks a source that can pay it. Fahipay and card services clear and disable the Remarks field and apply their own amount rules (minimum, maximum, whole amounts, 8% GST note). Details: [Transfer Flows → Transfer Type picker](20-transfer-flows.md#transfer-type-picker).
@@ -122,10 +122,10 @@ When the source is a BML USD account and the destination is a MIB account but no
See [Transfer Flows → Fahipay source](20-transfer-flows.md#fahipay-source).
### Carrier Service by BML Card (Dhiraagu Reload / Bill Pay, Ooredoo Raastas)
### Carrier Service by BML Card (Dhiraagu Reload / Bill Pay, Ooredoo Raastas / Bill Pay)
1. Checks the amount against the carrier's rules (Dhiraagu reload: MVR 20–1000, whole amounts, 8% GST included; Dhiraagu bill pay: from MVR 1, up to 2 decimals, no GST; Raastas: from MVR 20, whole amounts, 8% GST added on top)
2. A "Processing..." dialog shows while the carrier creates the order and its BML merchant transaction ([Dhiraagu API → Reload](../dhiraaguapi/02-reload.md), [→ Bill Pay](../dhiraaguapi/03-bill-pay.md), [Ooredoo API → Raastas](../ooredooapi/02-raastas.md))
1. Checks the amount against the carrier's rules (Dhiraagu reload: MVR 20–1000, whole amounts, 8% GST included; Dhiraagu bill pay: from MVR 1, up to 2 decimals, no GST; Raastas: from MVR 20, whole amounts, 8% GST added on top; Ooredoo bill pay: from MVR 10, up to 2 decimals, no GST)
2. A "Processing..." dialog shows while the carrier creates the order and its BML merchant transaction ([Dhiraagu API → Reload](../dhiraaguapi/02-reload.md), [→ Bill Pay](../dhiraaguapi/03-bill-pay.md), [Ooredoo API → Raastas](../ooredooapi/02-raastas.md), [→ Bill Pay](../ooredooapi/03-bill-pay.md))
3. From there it is the card-only merchant flow: the same confirm dialog and warning, biometric gate, card + 3-D Secure payment, and the return to the carrier (`?wait=1`) that tops the number up or posts the bill payment. A decline (e.g. insufficient funds) or a rejected token code ends it with the bank's message
4. On success, the result shows inside the dialog; if Dhiraagu couldn't be notified, a toast gives the BML transaction id
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@@ -152,7 +152,7 @@ None of the Fahipay services take a reference. Picking one clears the Reference
A carrier service can also be paid with a verified BML card, through the carrier's own website
and its BML merchant gateway, instead of the Fahipay wallet: **Dhiraagu Reload**, **Dhiraagu
Bill Pay** and **Ooredoo Raastas** so far (`CardPayoutService`, `ui/home/transfer/CardPayoutTransferHandler.kt`).
Bill Pay**, **Ooredoo Raastas** and **Ooredoo Bill Pay** (`CardPayoutService`, `ui/home/transfer/CardPayoutTransferHandler.kt`).
**Which cards.** A card qualifies when it's verified and its BML login has an OTP seed, the same
rule as card-only merchant links (`BmlVerifiedCards`, see
@@ -167,6 +167,7 @@ drops the pick, like any other source that can't pay the picked type.
| Dhiraagu `RELOAD` | Dhiraagu Reload |
| Dhiraagu `BILL_PAY` | Dhiraagu Bill Pay |
| Ooredoo `PRE` or `HYBRID` | Raastas |
| Ooredoo `POST` or `HYBRID` | Ooredoo Bill Pay |
**Amount rules.** The carrier website's, not Fahipay's. They're checked the same way, through
the shared `PayoutAmountField`:
@@ -176,9 +177,10 @@ the shared `PayoutAmountField`:
| Dhiraagu Reload | 20 | 1,000 | no | 8%, included (credit = amount − round2(amount × 0.08 / 1.08)) |
| Dhiraagu Bill Pay | 1 | none | up to 2 places | none |
| Raastas | 20 | none | no | 8%, **added** (charged = amount + round2(amount × 0.08)) |
| Ooredoo Bill Pay | 10 | none | up to 2 places | none |
Easy Pay itself sets no minimum or maximum; the MVR 1 floor is Thijooree's. Raastas' maximum
isn't known.
Easy Pay itself sets no minimum or maximum; the MVR 1 floor is Thijooree's. The Ooredoo maximums
aren't known.
Raastas by card is the one service where GST is added on top (`PayoutService.gstAdded`): the
number is credited what's typed, the card pays more, and the note under the amount says what's
@@ -192,9 +194,9 @@ BML transaction comes from:
1. `CardPayoutTransferHandler.submit()` has the carrier create it for the number and amount
(`DhiraaguPaymentClient.createReloadTransaction` / `createBillPayTransaction`,
`OoredooPaymentClient.createRaastasTransaction`, see
`OoredooPaymentClient.createRaastasTransaction` / `createBillPayTransaction`, see
[Dhiraagu API → Reload](../dhiraaguapi/02-reload.md), [→ Bill Pay](../dhiraaguapi/03-bill-pay.md)
and [Ooredoo API → Raastas](../ooredooapi/02-raastas.md)).
and [Ooredoo API → Raastas](../ooredooapi/02-raastas.md), [→ Bill Pay](../ooredooapi/03-bill-pay.md)).
Bill pay looks the number up again first, for the billing account the order is made out to.
That takes a few round trips, so the payment's "Processing..." box shows meanwhile
(`TransferFragment.showProcessingDialog`) and closes before the confirm dialog opens.
@@ -275,7 +277,7 @@ Source: Fahipay
Transfer type: Card (verified BML card)
└── Carrier creates a BML merchant transaction → card-only merchant flow
DHIRAAGU_RELOAD, DHIRAAGU_BILL, OOREDOO_RAASTAS
DHIRAAGU_RELOAD, DHIRAAGU_BILL, OOREDOO_RAASTAS, OOREDOO_BILL
```
---
@@ -9,7 +9,7 @@ Two linked features:
whose merchant has **no BML Pay** is paid with a verified card via the Pomelo + 3-D Secure flow
([BML API → Merchant Card Payment](../bmlapi/16-card-payment.md)). The same flow pays
[carrier services by BML card](20-transfer-flows.md#carrier-services-by-bml-card) (Dhiraagu
Reload and Bill Pay, Ooredoo Raastas), once the carrier has created the transaction.
Reload and Bill Pay, Ooredoo Raastas and Bill Pay), once the carrier has created the transaction.
> ⚠️ The merchant card flow is scraped browser/ACS traffic, not a stable API. Storing the CVV is a
> security/PCI liability. See the API doc's