Card Services

Overview

Our card services support multiple card types, including Visa, MasterCard, American Express, and Discover, as well as other popular payment methods like Apple Pay and Google Pay. You can also set up recurring payments for your customers, making it easy for them to make regular payments without having to enter their card information every time.Our advanced fraud detection and prevention features use machine learning algorithms to help identify and prevent fraudulent transactions. We also provide detailed reporting and analytics, allowing you to track and analyze payment data and make data-driven decisions.

We also offer multi-currency support, which allows you to accept payments from customers in different parts of the world. And with our 24/7 customer support, you can always count on us to help you resolve any issues related to our card services.Our card services are also fully compliant with all local and international regulations, such as PCI DSS, so you can be confident that you're accepting payments in a secure and compliant manner.

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Client Create(Post)

This API is used to create a new cardholder within a financial institution. It can be used to register a new customer and issue them with a card.

Status :Production

Version : V2

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Card Create(Post)

A card creation API in a payment processing company allows users to add a credit or debit card to their account on the payment platform.

Status :Production

Version : V2

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Card Activate(Post)

This API is used for activating newly issued cards or ones that have been renewed. Enables transactions on a new or replaced card by activating it.

Status :Production

Version : V2

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Lookup Card Identifier(Post)

This API allows you to obtain an alternative identifier for a given card by using its identifier as input, the API will then return a different type of identifier such as tokenized card identifier.

Status :Production

Version : V2

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Cards List(Post)

This API obtains a comprehensive listing of all the cards linked to a specific cardholder, including prepaid, credit, and debit cards.

Status :Production

Version : V2

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Card Details Enquiry(Post)

This API is used to retrieve information about a specific card such as the primary account number, the product the card is associated with, the status of the card, and any balances associated with the card.

Status :Production

Version : V2

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Card Statement Summary(Post)

This API is used to Retrieve past transactions made using a specific card.

Status :Production

Version : V2

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Card Status Change(Post)

This API is used to change the status of a card or account, such as blocking or unblocking it. It is used primarily for security purposes.

Status :Production

Version : V2

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Card Replacement(Post)

This API is used to request a new card to replace a lost, stolen, damaged, or expired card.

Status :Production

Version : V2

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Client Update(Post)

A client update API in a payment processing company allows users to update information for an existing client account in the payment processing system.

Status :Production

Version : V2

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Card Update(Post)

The API facilitates the modification of an existing card associated with a specific account and cardholder.

Status :Production

Version : V2

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Card Balance Enquiry(Post)

Obtains information about the card's available funds and balances related to the product type.

Status :Production

Version : V2

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SMS Webhook(Post)

You will receive notifications when an event in the NI system triggers the need for an SMS notification.

Status :Production

Version : V2

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Bulk Card Create(Post)

Bulk card create can generate a pool of no-name plastic cards ready for instant issuance.

Status :Production

Version : V2

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Bulk List Of Cards(Post)

Bulk list of cards can be used to check the status of bulk card create requests or to access the list of pre-embossed cards.

Status :Production

Version : V2

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Bulk Card Summary(Post)

Bulk card summary can be used to check summary of the cards available in stock.

Status :Production

Version : V2

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Bulk Move Cards(Post)

Bulk move cards can be used to move card/list of cards or batches from one client to another.

Status :Production

Version : V2

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OnlineEmbossing(Post)

This API is used to immediately send a request for card embossing.

Status :Production

Version : V2

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Card Activation(Post)

This webbook serves to instantly inform your system whenever a card is being activated or has finished activation.

Status :Production

Version : V2

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Card Replacement(Post)

This webbook serves to promptly inform your system whenever a card replacement occurs. This helps ensure that important card management activities are communicated accurately and on time. Card replacements are crucial in banking because they affect customer accounts, security, and transaction abilities.

Status :Production

Version : V2

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Card Renewal(Post)

This webbook serves to promptly inform your system when a card is renewed. It's a key part of managing cards and providing good customer service. Card renewals are important events that affect both the institution and its customers.

Status :Production

Version : V2

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Pin Action(Post)

This webbook serves to promptly inform your system whenever there are PIN-related actions performed on a card. It's important for maintaining card security, overseeing operations, and meeting regulatory requirements in finance. PIN-related actions, as of now we support reset pin counter only.

Status :Production

Version : V2

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Card Direct Debit(Post)

This API retrieves direct debit details of specific account details.

Status :Production

Version : V2

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Card Direct Debit Update(Post)

This API receives updates on direct debit details of specific accounts used by the bank.

Status :Production

Version : V2

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P2P Transfer(Post)

This API facilitates debiting from the "source identifier" and crediting to the "target identifier" for the requested amount within the same financial institution.

Status :Production

Version : V2

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Account Transaction(Post)

This API retrieves all accounts within a commercial or multi-currency hierarchy under a specific client ID or account number.

Status :Production

Version : V2

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Account Status Change(Post)

This API updates block codes on the account level for an account identifier.

Status :Production

Version : V2

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Switch MCC(Post)

This API enables or disables MCC groups/codes for a card.

Status :Production

Version : V2

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Release Pending Authorization(Post)

This API cancels pending authorizations. It will only search for pending authorizations.

Status :Production

Version : V2

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Get MCC Controls(Post)

This API retrieves all blocked and/or allowed MCC groups and codes.

Status :Production

Version : V2

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Account Balance Enquiry(Post)

The Account Balance API receives balance details of account numbers.

Status :Production

Version : V2

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Account Hierarchy Enquiry(Post)

This API retrieves all accounts within a commercial or multi-currency hierarchy under a specific client ID or account number.

Status :Production

Version : V2

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Get Account Transactions(Post)

This API pulls transactions which are authorized, time_based/posted, or statemented to account.

Status :Production

Version : V2

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Get Dictionaries MCC(Post)

This API retrieves all blocked and/or allowed MCC groups and codes.

Status :Production

Version : V2

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Set FXRates(Post)

This service is used by an FI to set FX rates for a currency.

Status :Production

Version : V2

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Get FXRates(Post)

This service is used by an FI to get FX rates for a currency.

Status :Production

Version : V2

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Card Contact Details(Post)

This API allows fetching the customer contact details.

Status :Production

Version : V2

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Card Activate

Status:

Production

Version:

V2

Category:

Card Services

Card Activation

Overview

This API enables the activation of cards, allowing them to be used for transactions. New or replaced/renewed cards are initially locked by the system, preventing any transactions from being made with them. Through this API, cardholders can activate their cards, making them fully functional for both online and physical Point of Sale transactions. The API handles all necessary internal processes to activate the card.

Activates locked cards for use:

This feature allows for newly issued or replaced/renewed cards to be activated and ready for use in transactions.

Enables transactions on activated cards:

Once a card is activated using this API, it can be used for both online and physical POS transactions.

Handles internal logic for card activation:

The API takes care of all internal processes required to activate a card, making the process seamless for the cardholder.

How It Works

The Card Activation API is designed to activate a locked card, allowing it to be used for transactions. When a card is first created, its plastic is marked as "Locked" which means that no transactions can be made with it. To use the card, it must first be activated through this API.

To check if a card needs to be activated, the consumer of this API can use the "List of Cards" or "Card Details" API to check the "PLASTIC" status of the card. If the status is "L" (locked), the card can be activated using this API. If the status is "A" (active), then the card has already been activated and does not need to be activated again.

Process 1

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Process 1

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Process 1

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Node	Child Node	Type	Length	Description
Authorization* required	Bearer xxxx* required	string		Authorization Header (Bearer Token)
Content-Type* required	application/json* required	string		Content Type

Node Type		Type	Length	Description
header	msg_id* required	string	12	Message ID, this field should be unique id for each Api call. This will be generated from client side. If the same message ID is used the system will decline the API call with Error Description “Duplicate Message ID”
	msg_type* required	string	12	Message Type – This can have either “TRANSACTION” or “ENQUIRY” As for this API the value expected is “TRANSACTION”
	msg_function* required	string	50	Static Value - REQ_CARD_ACTIVATION
	src_application* required	string	10	Source Application: This is a free Text and the client can populate the source system from where the API is Initiated Example: IVR, IB, MB No Validations of these are kept at Network Systems
	target_application* required	string	10	The target_application can hold any value from FI side, this can be used by FI to check the target system of the API call
	timestamp* required	string	30	Timestamp of the request - Format YYYY-MM-DDtHH:MM:SS.SSS+04:00
	bank_id* required	string	4	Bank Id is Unique Id 4 digit code for each client and the same will be provided once the client setup is completed in our core system. For sandbox testing – Please use “NIC”
body	card_identifier_id* required	string	32	This defines the card Identifier Id, this is the sample value please use the newly created card created by card create API? any given card can be actived only once. If we use the same card identifer id multiple times for card activation, the API will be errored out saying - “Card Status Not Allowed for Activation” .
	card_identifier_type* required	string	20	CONTRACT_NUMBER is used for clear card number or EXID which is a unique identifier for the card generated by CMS
	card_sequence_number	string	2	Sample 01,02 etc
	card_expiry_date	string	4	YYMM ex 2310

{"NISrvRequest":{"request_card_activation":{"header":{"msg_id":"236001","msg_type":"TRANSACTION","msg_function":"REQ_CARD_ACTIVATION","src_application":"IVR","target_application":"WAY4","timestamp":"2020-07-20T10:49:02.366+04:00","bank_id":"NIC"},"body":{"card_identifier_id":"99984100111514120378","card_identifier_type":"EXID"}}}}

{
    "NISrvRequest": {
        "request_card_activation": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "REQ_CARD_ACTIVATION",
                "src_application": "IVR",
                "target_application": "WAY4",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "bank_id": "NIC"
            },
            "body": {
                "card_identifier_id": "99984100111514120378",
                "card_identifier_type": "EXID"
            }
        }
    }
}

Node	Child Node	Type	Length	Description
Content-Type	application/json	string		Content Type

Node Type		Type	Length	Description
header	msg_id* required	string	12	Message ID, this field should be unique id for each Api call. This will be generated from client side. If the same message ID is used the system will decline the API call with Error Description “Duplicate Message ID”
	msg_type* required	string	12	Message Type – This can have either “TRANSACTION” or “ENQUIRY” As for this API the value expected is “TRANSACTION”
	msg_function* required	string	50	Static value - REP_CARD_ACTIVATION
	src_application* required	string	10	Source Application: This is a free Text and the client can populate the source system from where the API is Initiated Example: IVR, IB, MB No Validations of these are kept at Network Systems
	bank_id* required	string	4	Bank Id is Unique Id 4 digit code for each client and the same will be provided once the client setup is completed in our core system. For sandbox testing – Please use “NIC”
exception_details	application_name* required	string	20	Application Name
	date_time* required	string	30	Timestamp of the response Format YYYY-MM-DD HH:MM:SS
	status* required	string	1	Status of the request (S/F)
	error_code* required	string	4	EAI Internal Error Code (Check error codes section for the complete list of error codes and error code descriptions)
	error_description* required	string	100	Error Description (Check error codes section for the complete list of error codes and error code descriptions)
	transaction_ref_id	string	20	The tracking_id sent in the request will be sent back in response in this field.

{"NISrvResponse":{"response_card_activation":{"header":{"msg_id":"89854338","msg_type":"TRANSACTION","msg_function":"REP_CARD_ACTIVATION","src_application":"IVR","target_application":"WAY4","timestamp":"2024-02-15T15:39:54.167+04:00","bank_id":"NIC"},"exception_details":{"application_name":"TCC-ADP","date_time":"2024-02-15T15:39:54.167+04:00","status":"S","error_code":"000","error_description":"Success"}}}}

{
    "NISrvResponse": {
        "response_card_activation": {
            "header": {
                "msg_id": "89854338",
                "msg_type": "TRANSACTION",
                "msg_function": "REP_CARD_ACTIVATION",
                "src_application": "IVR",
                "target_application": "WAY4",
                "timestamp": "2024-02-15T15:39:54.167+04:00",
                "bank_id": "NIC"
            },
            "exception_details": {
                "application_name": "TCC-ADP",
                "date_time": "2024-02-15T15:39:54.167+04:00",
                "status": "S",
                "error_code": "000",
                "error_description": "Success"
            }
        }
    }
}

Code	Description
200	Sample Description
400	Bad Request
401	Unauthorized
403	Forbidden
500	Internal Server Error
502	Bad gateway
503	Scheduled Maintenance
504	Gateway Timeout
596	Service Not Found

Card Services

Card Services

Overview

Client Create(Post)

Card Create(Post)

Card Activate(Post)

Lookup Card Identifier(Post)

Cards List(Post)

Card Details Enquiry(Post)

Card Statement Summary(Post)

Card Status Change(Post)

Card Replacement(Post)

Client Update(Post)

Card Update(Post)

Card Balance Enquiry(Post)

SMS Webhook(Post)

Bulk Card Create(Post)

Bulk List Of Cards(Post)

Bulk Card Summary(Post)

Bulk Move Cards(Post)

OnlineEmbossing(Post)

Card Activation(Post)

Card Replacement(Post)

Card Renewal(Post)

Pin Action(Post)

Card Direct Debit(Post)

Card Direct Debit Update(Post)

P2P Transfer(Post)

Account Transaction(Post)

Account Status Change(Post)

Switch MCC(Post)

Release Pending Authorization(Post)

Get MCC Controls(Post)

Account Balance Enquiry(Post)

Account Hierarchy Enquiry(Post)

Get Account Transactions(Post)

Get Dictionaries MCC(Post)

Set FXRates(Post)

Get FXRates(Post)

Card Contact Details(Post)

Card Activate

Status:

Production

Version:

V2

Category:

Card Services

Card Activation

Overview

Activates locked cards for use:

Enables transactions on activated cards:

Handles internal logic for card activation:

How It Works

Process 1

Process 1

Process 1

Card Activate

Status:

Production

Version:

V2

Category:

Card Services

Header Request Parameters

Request Parameters

Sample Request

Header Response parameters

Response parameters

Sample Response

Error Code

How It Works

1- Process 1

2- Process 1

3- Process 1

4- Process 1

5- Process 1