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I work for a bank. We developed an Action for Google Assistant which also enables the user to top up his/her debit card by moving a pre-defined amount of money from his/her bank account. No third parts are involved, and all the logic is within the bank's servers via APIs.
The question is whether we should use Transaction APIs or not. We do not sell goods or services via the Action.
The problem is that Transaction APIs are not available in our country.
Thank you,
Roberto

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I finally solved the problem.
Google answered me that Transaction APIs are not required for bank implementations.
Thank you for your help!
Roberto