Card Services

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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Version
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 Balance Enquiry

Status:

Production

Version:

V2

Category:

Card Services

Card Balance Enquiry

Overview

This API, designed to retrieve balances for a specified card, retrieves information such as the available amount, blocked or memo amount, due amount, and overdue amount. It should be noted that this API can only be utilized when the balances are stored in Network International's systems. It is not applicable for debit cards or prepaid cards with external store of value or wallets.

Real-time balance information

The Card Balance Enquiry API provides real-time balance information, allowing financial institutions to access the most up-to-date information about a card's available funds and other types of balances.

Multiple balance types

The API allows financial institutions to retrieve different types of balance information such as Amount Available, Blocked/Memo Amount, Due Amount, Overdue Amount and other types of balances.

Easy integration

The API is designed to be easy to integrate into existing systems and applications, allowing developers to quickly and easily access balance information for a specific card, without the need for extensive development work.

How It Works

This API is used to retrieve balance information for a specific card. When called, the API will return details on the available amount, blocked or memo amount, due amount, and overdue amount associated with the card. It should be noted that in order for this API to work, the balance information for the card must be stored in the systems of Network International.

This means that the API will not work for debit cards or prepaid cards that have an external store of value or are linked to a digital wallet. The API will take the card number as an input and return the balance information in a JSON format. This information can then be used to help businesses or financial institutions keep track of their customers' card usage and financial status.
Wallets object in the response is only applicable for multi-currency product, in which the list of wallets will be part of the response.

Process 1

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Process 1

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Process 1

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https://api-sandbox.network.global

Card Balance Enquiry

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Status:

Production

Version:

V2

Category:

Card Services
/SB/CardServices/Enquiry/V2/CardBalanceEnquiry
curl --location --request POST '#{PARAM_URL}' --header 'Authorization: Bearer {{ access_token }}' {custom_headers} --data-raw '#{JSON_PAYLOAD}'
curl --location --request GET 'https://api-sandbox.network.global/v1/tokenkc/generate' \--data-raw '#{JSON_PAYLOAD}'
curl --location --request POST 'https://api-sandbox.network.global/v1/tokenkc/generate' \--data-raw '#{JSON_PAYLOAD}'

Node Child Node Type Length Description
Authorization* requiredBearer xxxx* requiredstringAuthorization Header (Bearer Token)
Content-Type* requiredapplication/json* requiredstringContent Type

Node TypeTypeLengthDescription
NISrvRequestrequest_card_balance_enquiryheadermsg_id* requiredstring12Message 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* requiredstring12Message Type – This can have either “TRANSACTION” or “ENQUIRY” As for this API the value expected is “ENQUIRY”
msg_function* requiredstring50Message functions: Should be “REQ_CARD_BALANCE_ENQUIRY”
src_application* requiredstring10Source 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* requiredstring10The 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* requiredstring30Timestamp of the request - Format YYYY-MM-DDtHH:MM:SS.SSS+04:00
bank_id* requiredstring4Bank 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”
bodycard_identifier_id* requiredstring32card identifier
card_identifier_type* requiredstring20CONTRACT_NUMBER is used for clear card number or EXID which is a unique identifier for the card generated by CMS
card_expiry_datestring4Expiry Format YYMM
balance_liststring512List of required balance types. Example AVAILABLE,BLOCKED

{
    "NISrvRequest": {
        "request_card_balance_enquiry": {
            "header": {
                "msg_id": "7t88277687",
                "msg_type": "ENQUIRY",
                "msg_function": "REQ_CARD_BALANCE_ENQUIRY",
                "src_application": "BNK",
                "target_application": "WAY4",
                "timestamp": "7t88277687",
                "bank_id": "NIC"
            },
            "body": {
                "card_identifier_id": "99984100111514120378",
                "card_identifier_type": "EXID"
            }
        }
    }
}

Node Child Node Type Length Description
Content-Typeapplication/jsonstringContent Type

Node TypeTypeLengthDescription
NISrvResponseresponse_card_balance_enquiryheadermsg_id* requiredstring12Unique Source Message ID eg ada123456fdsf
msg_type* requiredstring12Message Type – This can have either “TRANSACTION” or “ENQUIRY” As for this API the value expected is “ENQUIRY”
msg_function* requiredstring50Default RES_CARD_BALANCE_ENQUIRY
src_application* requiredstring10Source 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* requiredstring10The target_application can hold any value from FI side, this can be used by FI to check the target system of the API call
timestampstring15Timestamp of the response - Format YYYY-MM-DDtHH:MM:SS.SSS+04:00
bank_id* requiredstring4Bank 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_detailsapplication_name* requiredstring20Application Name
date_time* requiredstring30Timestamp of the response Format “YYYY-MM-DD HH:MM:SS”
status* requiredstring1Status of the request (S/F)
error_code* requiredstring4EAI Internal Error Code (Check error codes section for the complete list of error codes and error code descriptions)
error_description* requiredstring100Error Description (Check error codes section for the complete list of error codes and error code descriptions)
transaction_ref_idstring20The tracking_id sent in the request will be sent back in response in this field.
bodycustomer_id* requiredstring20Customer ID: Customer Identification number This should be a unique number
institution_id* requiredstring5institution id is the code that is created for each bank or FI(it is the same value as bank code), 982 value is just used as an example in Sandbox
card_identifier_id* requiredstring32card identifier
card_identifier_type* requiredstring20CONTRACT_NUMBER is used for clear card number or EXID which is a unique identifier for the card generated by CMS
card_expiry_date* requiredstring4YYMM Ex: 2310
cardholder_name* requiredstring21Cardholder Name
account_number* requiredstring64Account number
balancestypestring32Type of the balance
currencystring3Currency
amountstring20Balance ammount
walletswallet_identifier_idstring64Wallet Account Number
wallet_identifier_typestring15Wallet Identifier Type
currencystring3Wallet Currency
prioritystring3Wallet priority
rolestring3Wallet Role
balancestype* requiredstring32Balance type
currency* requiredstring5Currency
amountstring20Balance Amount

{
    "NISrvResponse": {
        "response_card_balance_enquiry": {
            "header": {
                "msg_id": "1710844286",
                "msg_type": "ENQUIRY",
                "msg_function": "REP_CARD_BALANCE_ENQUIRY",
                "src_application": "BNK",
                "target_application": "WAY4",
                "timestamp": "2024-03-19T14:31:26.21+04:00",
                "bank_id": "NIC"
            },
            "exception_details": {
                "application_name": "TCC-ADP",
                "date_time": "2024-03-19T14:31:26.21+04:00",
                "status": "S",
                "error_code": "000",
                "error_description": "Success"
            },
            "body": {
                "customer_id": "100000027",
                "institution_id": "982",
                "card_identifier_id": "99984100111514120378",
                "card_identifier_type": "EXID",
                "card_expiry_date": "3001",
                "cardholder_name": "JOHN DOE",
                "account_number": "0009821110000000049",
                "balances": [
                    {
                        "type": "DUE",
                        "currency": "AED",
                        "amount": "0.00"
                    },
                    {
                        "type": "PAST_DUE",
                        "currency": "AED",
                        "amount": "0.00"
                    },
                    {
                        "type": "TOTAL_DUE",
                        "currency": "AED",
                        "amount": "0.00"
                    },
                    {
                        "type": "BAL_INST",
                        "currency": "AED",
                        "amount": "0.00"
                    },
                    {
                        "type": "AVAILABLE",
                        "currency": "AED",
                        "amount": "55000.00"
                    },
                    {
                        "type": "BLOCKED",
                        "currency": "AED",
                        "amount": "0.00"
                    },
                    {
                        "type": "TOTAL_BALANCE",
                        "currency": "AED",
                        "amount": "0.00"
                    },
                    {
                        "type": "IPP_RET-LOAN-UNB",
                        "currency": "AED",
                        "amount": "0.00"
                    },
                    {
                        "type": "DIRECT_DEBIT",
                        "currency": "AED",
                        "amount": "0.00"
                    },
                    {
                        "type": "REPAYABLE",
                        "currency": "AED",
                        "amount": "0.00"
                    },
                    {
                        "type": "AVAILABLE_CASH",
                        "currency": "AED",
                        "amount": "33000.00"
                    },
                    {
                        "type": "PAYMENT",
                        "currency": "AED",
                        "amount": "0.00"
                    }
                ]
            }
        }
    }
}

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

How It Works

Follow the steps below. For more details, read the Quick Start Guide.

1- Process 1

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2- Process 1

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Amet, sed at amet cras fringilla adipiscing nunc, in pulvinar. Sagittis pellentesque leo et proin convallis justo vitae in.

3- Process 1

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Amet, sed at amet cras fringilla adipiscing nunc, in pulvinar. Sagittis pellentesque leo et proin convallis justo vitae in.

4- Process 1

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Amet, sed at amet cras fringilla adipiscing nunc, in pulvinar. Sagittis pellentesque leo et proin convallis justo vitae in.

5- Process 1

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Amet, sed at amet cras fringilla adipiscing nunc, in pulvinar. Sagittis pellentesque leo et proin convallis justo vitae in.