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Rapyd U Office Hours: Request Signature, CURL, Evolution of Payments

In this video, you’ll learn about Rapyd, fintech payments, and a short demo using Python and CURL. Follow along as we learn about the evolution of payments and how to integrate with the Rapyd API.

welcome everyone welcome Isaac we have McKay here and everyone watching today I just we’re going to go over as we are gathering for Rapid U rapid University Office hours this is a space to really gather come for Community you know be welcome be known but also ask anything fintech anything about the rapid API we’ll also go over occasional demos just to show you different aspects of connecting with the API using GitHub code stamp code samples also we often work in Postman today will actually be working in Python

and just doing some quick examples just to walk you through so excited for that but I’ll continue just explain a little bit about what is rapid what is uh we are a fintech company but yeah first here is just an overview a rapid overview I’ll explain um I’ll dive into a use case and then we’ll move into our API example of course this includes the request signature uh we can maybe show uh some of the code samples in GitHub for that of course working in Python we’ll do three requests with rapid that’s get daily

rate that is to capture a get request for any currency exchange rates foreign exchange rates between two currencies and then list customers and retrieve a customer and so we’ll go ahead and go to the next slide and really we’ve opened up opened up with this and explaining the past few times we’ve gathered here for Rapid U but really this is the idea of payments used to be thought of a cost really um an additional Avenue where it was um you know uh not required but uh just a way for uh people to uh customers to maybe try out

online most payments were done you know brick and mortar there was more cash of course different countries have different payment methods uh in the rapid Network all around the world but now more people have gone digital more people have their own preferences of different payment methods and so really it becomes uh a profit just a way to partner with other companies and profit um and so again we used to think of doing transactions online it would just have to be this fee it would be a burden but now really it’s a way to expand

your customer base and grow your business grow your Revenue that is especially building a fintech tool and so this is really we’ve laid out the evolution of fintech and you know payments used to be of course offline more mostly brick and mortar and then came the internet and we started to do uh online payments is it okay to put your credit card information on on websites do we trust it and then of course there was uh growth in the cloud um and then move towards Mobility mobile there’s mobile payments uh and in many

uh different uh you know cases mobile payments have served has surpassed now uh desktop but of course there is both and then the next thing is the rapid Revolution um no really this represents rapid represents just an all-in-one integration for everything a company needs everything you need as far as payments and money movement uh even getting paid moving money paying out to your customers paying out to uh back to your customers paying out to your vendors uh really everything that is needed to move money around for a business and so

this is this is really where fintech has evolved to and will continue to evolve uh towards with more partial Partnerships being all connected together uh here is really a high level overview of what it looks like uh to just take a snapshot of Rapid we have rapid collect of course this is accepting payments as you integrate with rapid customers pay you for your business for your services and Rapid collect covers that with hundreds of payment methods across the world um uh you know global payment Network and then rapid disperse of course this

is paying out to customers clients beneficiaries your employees any vendor that would need to get paid from a business or from one individual to the next and but of course we have rapid wallet which is an ecosystem that can be built where if you have two individuals or even businesses paying one another um in the network that you have built on top of Rapid they could freely send transactions uh to one another through the rapid wall assist system um of course we have our payment categories here cards Bank transfers cash e-wallets

um air time even push the card and then you know different features a part of rapid we can uh you know you can find in the rapid documentation uh we’ll look at that in a little bit but we have of course all of our different Services FX is huge of when you are building a Global payments Network a global uh really fintech ecosystem being able to move money from one country to the next FX is basically essential to meeting your customers needs and that they would use their preferred payment method of course we’ve been sharing this

but we have an open API coming soon later this year so I’m excited for that you can jump into the next slide so why why build with rapid what makes rapid different well really I can just quickly mention these top level headers uh reach I’ve been we’ve been talking about uh what’s Global this global payment Network okay what does that mean so if you are doing a business or running a business in one country and you are beginning to expand to the next country um you know there are not only regulations that you need to meet for

doing business in the next country and selling in that next country but there are also preferred payment methods that the customers there they use whether it’s their card uh uh any e-wallet um even cash and so any any payment method that you need to integrate will take can take months and uh really long to be able to uh build that out on your site on your platform and then begin selling uh using accepting those payment methods well with one integration you can use Rapid for that reach and so and then I’ll just run quickly through the other

ones Solutions really these are the things that you don’t see so we have hosted Pages where you don’t need any PCI compliance and managing customer information we have a customer object of course that you can use with the API but here using the hosted Pages um that will all be generated and then the compliance aspect uh you know verification of your customers and security there’s so many other fields that are passed through the API using the hosted checkout page that is built in for you of course all this again is

done through a single API this is really essential for Developers for them to build out and the sole reason they often seek out a rapid because it’s all together to integrate into one and then the capabilities so if you go back to the last page um we see the the ecosystem of collect dispersed wallets accepting payments and and really being able to manage those funds um and uh yeah and so let me move to the next slide and so fintech um uh okay we’ve been talking about fintech what is fintech uh well really fintech

is uh a part of every company that exists that really needs to accept payments online um excuse me um and so all of these companies have an aspect where they have uh they move money except money have payment so we we all know Uber um you know ride sharing company the customers pay online on the app well Uber is expanded to multiple countries uh which means that that means yeah accepting different payment methods uh even if a driver let’s say has bank accounts in a different country if they’re just working in that current

country working for Uber well that’s uh accepting payments in one payment method and then paying out to that driver um in a different payment method uh perhaps in a different country or a bank account issued in a different country so um you have all these companies that move money in a specific way in a different way um I we know Ikea you know Furniture selling online uh rappy I believe that’s uh delivering um goods and services uh pay safe this is um a payments company that also specifically highlights uh entertainment

and really the entertainment industry we have Llano that is uh really overseeing uh your employees and paying out to your employees uh and so we have all these different companies that move money differently um you know you look at each company how do they accept payments uh from whom and using what payment methods and so also all these are customers of our clients of Rapid that we partner with and they all follow really this recipe as they have grown as you can get started as well so really a service that provides to your customers

and do that on a high frequency do that well and as you start to grow and build build those customers um and you start to collect information for them for whatever service you’re providing then you know whether it’s you hit to a certain number of customers or you immediately start charging you can add you have to add those financial services to accept their payments except the VIP service or quality service that you are providing and then then you start to build out and as a fintech you can you know start to cross-sell upsell

you know whoever is um your customer you can add those Services uh welcome uh hacknerag as we are gathering we’re just talking about rapid um and just the fintech ecosystem so welcome I’m going to just head to the next slide um and so talk about hot Mart so hotmart is uh actually a company that offers online classes there’s I know so many coaches so many um success coaches or people who want to teach what they’ve been skilled to do and train up others and so hotmart is actually a company uh actually a

platform that brings on those coaches to teach on their platform and so this is a quote from their CEO we have a hundred customers and more than 180 countries we have people of all kinds accessing our platform from all over the world looking to use this technology and so 180 countries which means uh more than 180 different uh you know possibly different um payment methods because uh you know for every country may not mean just one payment method you can have cards e-wallet even cash um you know so even bank transfer uh

Bank redirect you have different payment methods that customers may want to use to pay these coaches and then they would receive from Hotwire as well just getting paid out so um yeah really cool that they’ve been able to grow I’ve seen um you know entrepreneur I know coach I know uh Gary V Gary vaynerchuk on using hotmart as well uh and so that they’re in um all over the globe um yeah teaching others and here is just a snapshot again we showed a snapshot of the rapid ecosystem here’s the snapshot

of the rapid developer ecosystem we have our community Forum you can head there at we’ll post that in the link below um uh and then we have our GitHub repos our Postman collection uh welcome Mark our docs uh and changelog that um our technical writers work really hard on uh you can find our social we have our tutorials if you want to see any tutorial for a code sample we would be happy to to work with you or even just put that up online and then here we have our meetups as well um we do list we do list the different

conferences that will be around um all across the globe I know we have uh we are developers coming up part of our team will be there and some of our developers so um yeah and heading to the next slide here is really uh just an over simplified uh snapshot of the rapid stack so this is just a snapshot of how you could see you know you could get started there’s a lot of backend services on top of this but of course it’s it uses leverages AWS and then mongodb and MySQL is a database the front end is is react we have tons of

react developers building out um our client portal and the services in the back end using node.js so again yeah super simple um snapshot and so yeah here’s just a call to action to grab our sandbox API Keys um we will be grabbing this and then um uh you I encourage you to yeah just join the rapid developer Community um you know this is something that uh we gather together and and help each other out and always have challenges or something going on uh but really there’s there’s tons of developers who you can

connect with with our community as well as some of the rapid developers here uh so moving on to our example so I’m going to grab our API Keys actually one thing that I do need to do is um open up our client portal so I’m going to go ahead and do that here um but then we will work on our python uh request signature uh and then that is so just want to move over to GitHub and so this is something that we’re gonna grab here and as we do that we will grab um from this one right here so actually Isaac here has created this

um he’s on the call and so you can see uh basically here’s just a readme file to get started that will walk you through uh we’re gonna walk through here today and then it uses this uh request signature here so this is already built for you you don’t have to do that um and so we basically are going to run through this and um you know just clone this and it’ll be pretty easy to get started here I’m just on the my other screen just log in into client portal um before we get started and um I do want to show the API reference

page here this is where you can find all of the different uh really objects and with the variables or the fields definitions a couple objects that we will be looking at and requests is the get daily rate object this is one um again this will if you need to basically grab a currency exchange rate you could just go ahead and do that using rapid um and you could see the payment example and then payout example there will be the same rates just um just you know if you are walking through and the API flow um that will be one that will it just

will show what you pass through may change so yeah the get daily rate and then we’ll be using the customer object and so um we’ll be retrieving or actually listing out customers and then retrieving customers and so I’m just going to type in this code for my client portal cool and then I am logged in and so what I’m going to do is just now grab this client portal I’ll pull this up if you could see that and then so what we see here is uh you know the rapid client portal as your login obviously I’m working in sandbox

um if you do open up an account be sure to reach out to sales to get started if you’re interested in going live otherwise you can freely work in sandbox here and I’m going to turn this sent both although it’s both sandbox I’m just flipping the switch on and it’ll it’ll show all of the the a lot of the rapid platforms here but I’m going to go to developers right here and here’s where you’re going to grab your access key and secret key so I’m just going to copy that and I’m going to

put it somewhere safe make sure these are not you know follow best practices to be able to um uh you know store these um don’t expose these and so I’m gonna um minimize that and then head back to oh head over to terminal and so now here in terminal I am working in a folder called rapid U I’ve just placed myself in the right folder and so now as we run through again we’re going to grab this um we could back up um we’re gonna grab this uh here package and this Repository um and so as I’m in my file we can go to

git clone and then clone this file okay yeah the text is a little too small okay positively like to me let me all right I just flipped to the bottom okay got it let’s make it big uh all right hopefully that is a little bit bigger thanks Isaac for um for letting us know um and so now uh I am I’ll just create my environment and so I’ll do uh hopefully this will work um okay just making sure um actually I do need to um

enter into that okay I think then let me do this okay I just have to clear it uh a little bit and then um let’s see I just want to install that okay just making sure everything is installed and then so now uh if I open it up here is actually a list of all the requests that are built in to the repository of course you could you can um create uh some new requests as you Fork it um actually let me jump in and see let’s take a look at get daily rate so um really it has um you know the description here get
daily rate and then here some of the you know the help and arguments here um this will be the body parameters uh or part of the parameters um where you could see the currency is USD and then the um the buy that’s the buy currency and the cell currency is Euros um and then here is the URL the endpoint um and then we have uh just really the request and then the Json print um over here so we could see each one of these has um you know just code written out like that just in a python file or you know get

and so the neat thing that Isaac here has set up is you can create basically a environment uh variables for your for your sandbox credentials that we copied and we are holding now and so I can just um you would type export and then whatever you want to create but I’ll just paste that in um well actually I can type that in export and then whatever you want to create the title of your variables and so if you’re working in Postman this would be equivalent to copying and pasting it into like the sandbox environment

and then we are just going to do SB test so this is going to be the title of our environment and then actually we don’t want to have any spaces and then equals and then just apostrophe and this part I will paste in because these are my uh credentials and so these are my access key and secret key and comma and then because we’re working in sandbox we’ll do sandbox API and then another apostrophe and so this is going to uh make sure there is of course a variable that cause that calls either if you were to do

sandbox or just API that would call the production um but sandbox API is of course um in sandbox and so we’ll go ahead and send uh create this and so I’m just to test it I’m going to do Echo uh SB test and so now we see that this calls uh our variables and so that’s saved correctly and so what I’m going to do now is um Python 3 I would just call the API call here and then we’ll do git daily rate Dot py and then Dash H um and this will kind of give us the argument and what to include for the API

call and so we see the parameters it’ll say action type parameters between quotes action type payment and buy currency USD and sell um and so we can just grab that and copy it um of course we’ll want to if you want a different currency you can change that up and then the rapid environment so actually what we’re going to do is again we’ll clear this python3 um and then get daily rate Dot py and then paste in what we just copied the action type um of course this is uh by USD so um euros and then I believe space SB test

and so this is our environment variables that we are going to call welcome VK scene we’re just going over this example here in Python that you can just quickly grab from GitHub um that actually Isaac here created and um um yeah and so now I’m doing a get daily rate uh request and so we see it’s successful so really this is our first API call it works and we see now again the cell currency is Euros by currency is USD the rate uh 1.

05 A5 9398 um this is today’s date um yeah and so yeah we see that was successful um we can do another one a couple of others um let’s see uh one thing I know I can do is list customers uh your sandbox should have a few customers already created but um um we can I know I can list the customers that I have so an example for that would be a list customers Dot dot P Y dash H um and so now we don’t need really anything it’s just the only uh thing we need positional argument under here is the rapid environment and so what we’re

going to do is uh Python 3 um list customers Dot py and then SB test for the sandbox variables and so here we have the of course this is um some limited uh information but here are the customer IDs that you can grab from them I’m just going to go ahead and copy this and grab that and then we can do retrieve customer and so python3 retrieve customer and then you can even dot H4 okay so the customer token this is what we just copied and then the rapid environment under here positional argument um so I’ll click or I can just do that here

because there’s room python3 retrieve customer um and then I believe here is the customer ID um and then SP test okay cool and so here again retrieve information this is also limited information you can also you can really if you needed to include the whole the full Json response go to the um uh GitHub repository and I believe change it to the the limitations um um you know even if you need to ask questions we have Isaac here for that as well and so yeah that’s really what it looks like uh we uh basically just

grabbed our API Keys um you know created the environment save them in the variables and then immediately learn the API call and got started this is you know if you know if you can do this and you know type uh if you type it slow as me you can still get it done pretty quickly but um this you know can be done quicker than uh downloading Postman and you can start testing different API calls uh right away so I love um I love that Isaac was able to be able to create this for us thank you Isaac um yep and so really that is the end of

our demo um yeah thanks everyone for joining uh I’ll just open it up for any questions that you may have um any thoughts uh welcome yeah welcome again hackner welcome uh VK Singh uh anything you want to share uh what you’re working on any questions you have yeah one thing for uh let’s see let’s look at the request customers I know if you wanted to Isaac if you wanted to um allow more customers um you could increase this default to 10 is that correct um and then I think you can pass the parameter limit okay

like a minor scale yeah and then increase the limit or yeah in that case okay got it and in the previous case if you want to see the full Json you can use the flag minus a or Dash a H okay all the jsons oh wow okay cool retrieve customer feed yeah so you can there is an argument or that’s that’s all and that will basically just allow the full Json to be printed oh that’s so cool um hey if yeah if we don’t have any questions uh maybe we can try and do that um uh or actually did I see that in the help and so

okay yeah minus a um and then minus a oh actually minus a comes before um either way okay yeah um nice love it yeah so here we could see if the customer has a default payment method saved to their um you know you could use Save card details um that would show up here this is of course this basic um sandbox customer ID so none of this is really included I’ve included here as I created the customer there’s no email but you would

see that the phone number address um other payment methods if they have a subscription um of course we see when they’re created at um and let’s actually go to list customers um and you can do limit as customers um and then L it’s just L here and then would we put a number here or I think we have to put like uh Dash L without space yeah there’s a phaser and then

uh yeah and then just like for example 20 okay 20. uh sorry there is they’re doing a spacer yeah turning and then the measurement because usually the Rapids API is really by default uh returns only then yeah okay cool yeah and here we have all the customers listed as well awesome so uh that’s awesome I learned something new uh hopefully you learned something new uh any other questions before we close out and wind down again thanks everyone for joining uh thanks everyone for watching yeah if you have any questions feel free

to post on oh oh I see some of the comments here hack drag says can we use Rapid Technologies in other hackathons apart from Rapid hackathons yeah I mean that would totally be awesome that would totally be uh fine I think um it would be up to the other hackathons rules and so we we allowed other other for our hackathons you know other Integrations as long as you use Rapid and so rapid would be the main bulk a part of the judging criteria um other you know I guess payment Integrations would just be bells and

whistles on top of it um and so um yeah um that would uh be totally fine again I would look into the other uh the other rules um yeah and uh I think you asked we do have some challenges coming soon that I know um McKay has been working on as well and so those will be exciting kind of like many many challenges um that will be launched but awesome um so anything um what would be the upcoming challenges looks like uh you’ll just have to see Hector um yeah you’ll just have to wait and see uh because things are uh are changing

and different so um yeah and so um yeah go ahead and and close out again thank you everyone for joining um uh yeah we just really walked through uh the rapid API today uh grabbed some of our API keys from the rapid dashboard the client portal um easily set our environment variables as we created and cloned the GitHub repository um the python request signature was really written out for us so all we did was set the variables and send the request for get daily rate list customers and retrieve customers so thanks everyone for joining uh we’ll

close up uh have a great day<