user_bank_accounts

This table contains all the user bank accounts that are used for bank payout transactions.

Model

Field	Type	Nullable	Constraint
id	int4
user_id	int4		Foreign Key (person table)
user_account_name	varchar
bank_account_number	varchar
bank_ifsc_code	varchar
is_active	bool
razorpay_fund_account_id	varchar
reference_id	varchar
contact_id	varchar
created_at	timestamp
updated_at	timestamp

Description of fields

id

The primary key of the table.

user_id

ID of the user who initiated the payment.

user_account_name

The name of the user on their bank account.

bank_account_number

The account number of the user's bank account.

bank_ifsc_code

The IFSC code for the bank's branch.

is_active

A user can have multiple bank accounts for their user id. This field represents which bank account is currently active for the user. The code ensures that the user has only one bank account active at a time.

razorpay_fund_account_id

The fund account id for the corresponding user and bank account as registered on RazorPayX dashboard.

reference_id

This field is required by RazorPayX to register a user's bank account as fund account. This is randomly generated and stored in the system for each bank account entry.

contact_id

The contact id is returned from the RazorPayX API. This represents the contact ID stored on RazorPay side for a user.

created_at

Timestamp at which payment transaction entry was created.

updated_at

Timestamp at which payment transaction entry was last updated.

RazorpayX Payout API

RazorPayX stores both user details as well as their bank account details at it's send to manage payouts. The user entity is termed as contact, which we store as contact_id in our table. The bank account is termed as fund account, which we store as razorpay_fund_account_id in our table.