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 Insurance Product(Post)

Card Insurance Products service is used to fetch details about insurance products for the card details provided. This service is applicable for Credit and Debit Cards.

Status :Production
Version : V2
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Card Insurance Product Update(Post)

This service is used by bank to update Insurance product of particular Account.

Status :Production
Version : V2
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Account Hierarchy Enquiry

Status:

Production

Version:

V2

Category:

Card Services

Overview

 

Account Hierarchy allows businesses to efficiently manage and navigate complex account structures. Businesses can leverage the Account Hierarchy API to access detailed information about account relationships, such as parent-child connections or multi-level hierarchies. By integrating this API into their applications or systems, businesses can streamline account management processes, improve data visibility, and enhance decision-making capabilities.

Overall, the Account Hierarchy API serves as a fundamental tool for businesses seeking to effectively manage their account structures and optimize operational efficiency.

 

How It Works

The Account Hierarchy API is accessed by sending a request that specifies either a top-level account or a sub-account. The purpose of this request is to retrieve information about the current account level and its child levels within the hierarchy.

When making the request, you have the option to specify the depth or level of detail you want to receive in the response. For instance, if your account hierarchy has multiple levels (let's say 5 levels) starting from a top account (denoted as X), and you are interested in obtaining information about the top level (X), Level 1 (L1), and Level 2 (L2) only, you can indicate this in your request by using the "level_down" parameter.

By setting the "level_down" parameter appropriately in your API request (e.g., specifying "level_down": 2), you can instruct the Account Hierarchy API to provide information up to the specified depth (in this case, up to Level 2) in the response. This allows you to control and limit the amount of hierarchical data returned based on your specific needs or use case.

Overview

Account Hierarchy allows businesses to efficiently manage and navigate complex account structures. Businesses can leverage the Account Hierarchy API to access detailed information about account relationships, such as parent-child connections or multi-level hierarchies. By integrating this API into their applications or systems, businesses can streamline account management processes, improve data visibility, and enhance decision-making capabilities.

Overall, the Account Hierarchy API serves as a fundamental tool for businesses seeking to effectively manage their account structures and optimize operational efficiency.

How It Works

The Account Hierarchy API is accessed by sending a request that specifies either a top-level account or a sub-account. The purpose of this request is to retrieve information about the current account level and its child levels within the hierarchy.

When making the request, you have the option to specify the depth or level of detail you want to receive in the response. For instance, if your account hierarchy has multiple levels (let's say 5 levels) starting from a top account (denoted as X), and you are interested in obtaining information about the top level (X), Level 1 (L1), and Level 2 (L2) only, you can indicate this in your request by using the "level_down" parameter.

By setting the "level_down" parameter appropriately in your API request (e.g., specifying "level_down": 2), you can instruct the Account Hierarchy API to provide information up to the specified depth (in this case, up to Level 2) in the response. This allows you to control and limit the amount of hierarchical data returned based on your specific needs or use case.

/AccountServices/Enquiry/V2/AccountHierarchy

Account Hierarchy Enquiry

Status:

Production

Version:

V2

Category:

Card Services
/AccountServices/Enquiry/V2/AccountHierarchy
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_account_hierarchyheadermsg_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_ACCOUNT_HIERARCHY_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”
bodycustomer_id* requiredstring20Customer ID: Customer Identification number This should be a unique number
account_identifier_id* requiredstring32Account Identifer ID should be passed if customer_id is not sent as part of the request
account_identifier_type* requiredstring20CONTRACT_NUMBER is used for clear card number or EXID which is a unique identifier for the card generated by CMS
level_downstring1It is applicable for corporate hierarchy value can be from 1 to 5
client_typestring10It is applicable for corporate hierarchy - Values: Commercial → C Private → P
balance_liststring512The values can be - AVAILABLE,BLOCKED,TOTAL_BALANCE

{
    "NISrvRequest": {
        "request_account_hierarchy": {
            "header": {
                "msg_id": "236001",
                "msg_type": "ENQUIRY",
                "msg_function": "REQ_ACCOUNT_HIERARCHY_ENQUIRY",
                "src_application": "IVR",
                "target_application": "WAY4",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "bank_id": "NIC"
            },
            "body": {
                "customer_id": "100000027",
                "account_identifier_id": "652589",
                "account_identifier_type": "EXID",
                "level_down": "1",
                "client_type": "C",
                "balance_list": "AVAILABLE"
            }
        }
    }
}

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

Node TypeTypeLengthDescription
NISrvResponseresponse_account_hierarchyheadermsg_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 “REP_ACCOUNT_HIERARCHY_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 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.
bodyaccountsaccount_number* requiredstring64Account number
customer_id* requiredstring20Customer ID: Customer Identification number This should be a unique number
rbs_numberstring512RBS Number which is the number used to link NI System with Core System
product_code* requiredstring32This code is generated by CMS after creating the product. This code is FI specific code.
balancestypestring32Type of the balance
currencystring3Currency
amountstring20Balance ammount
sub_accountsaccount_number* requiredstring64Account number
customer_id* requiredstring20Customer ID: Customer Identification number This should be a unique number
rbs_numberstring512RBS Number which is the number used to link NI System with Core System
product_code* requiredstring32Product Code
balancestypestring32Type of the balance
currencystring3Currency
amountstring20Balance ammount
sub_accountsaccount_number* requiredstring64Account number
customer_id* requiredstring20Customer ID: Customer Identification number This should be a unique number
rbs_numberstring512RBS Number which is the number used to link NI System with Core System
product_code* requiredstring32Product Code
balancestypestring32Type of the balance
currencystring3Currency
amountstring20Balance ammount
sub_accountsaccount_number* requiredstring64Account number
customer_id* requiredstring20Customer ID: Customer Identification number This should be a unique number
rbs_numberstring512RBS Number which is the number used to link NI System with Core System
product_code* requiredstring32Product code, this code is generated by CMS after creating the product, this code is FI spesific code 982_AED_045_C_2 is just used as an example in Sandbox
balancestypestring32Type of the balance
currencystring3Currency
amountstring20Balance ammount
sub_accountsaccount_number* requiredstring64Account number
customer_id* requiredstring20Customer ID: Customer Identification number This should be a unique number
rbs_numberstring512RBS Number which is the number used to link NI System with Core System
product_code* requiredstring32Product code, this code is generated by CMS after creating the product, this code is FI spesific code 982_AED_045_C_2 is just used as an example in Sandbox
balancestypestring32Type of the balance
currencystring3Currency
amountstring20Balance ammount
sub_accountsaccount_number* requiredstring64Account number
customer_id* requiredstring20Customer ID: Customer Identification number This should be a unique number
rbs_numberstring512RBS Number which is the number used to link NI System with Core System
product_code* requiredstring32Product code, this code is generated by CMS after creating the product, this code is FI spesific code 982_AED_045_C_2 is just used as an example in Sandbox
balancestypestring32Type of the balance
currencystring3Currency
amountstring20Balance ammount
cardsmasked_card_number* requiredstring16Masked PAN
customer_idstring20Customer ID: Customer Identification number This should be a unique number
card_identifier_id* requiredstring32Card Identifier Id
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* requiredstring4Cards expiry date the Format is YYMM
cardholder_name* requiredstring21Cardholders name
product_code* requiredstring32Product code, this code is generated by CMS after creating the product, this code is FI spesific code 982_AED_002_A is just used as an example in Sandbox
product_namestring32Product Name
brandstring10Card Brand example: MC , Visa
card_virtual_indicatorstring1V - Virtual P - Physical
statusestypestring10Status type
valuestring10Status value
changed_datestring10Date of status change
descriptionstring100Brief description
balancestypestring32Type of the balance
currencystring3Currency
amountstring20Balance ammount

{
    "NISrvResponse": {
        "response_account_hierarchy": {
            "header": {
                "msg_id": "236001",
                "msg_type": "ENQUIRY",
                "msg_function": "REP_ACCOUNT_HIERARCHY_ENQUIRY",
                "src_application": "IVR",
                "target_application": "WAY4",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "bank_id": "NIC"
            },
            "exception_details": {
                "application_name": "TCC-ADP",
                "date_time": "2023-02-01T16:39:47.314+04:00",
                "status": "S",
                "error_code": "000",
                "error_description": "Success",
                "transaction_ref_id": "236001"
            },
            "body": {
                "accounts": {
                    "account_number": "0009821110000000008",
                    "customer_id": "100000027",
                    "rbs_number": "1",
                    "product_code": "982_AED_045_C_2",
                    "balances": {
                        "type": "",
                        "currency": "AED",
                        "amount": ""
                    },
                    "sub_accounts": {
                        "account_number": "0009821110000000008",
                        "customer_id": "7876790",
                        "rbs_number": "1",
                        "product_code": "982_AED_045_C_2",
                        "balances": {
                            "type": "",
                            "currency": "AED",
                            "amount": ""
                        },
                        "sub_accounts": {
                            "account_number": "0009821110000000008",
                            "customer_id": "7876790",
                            "rbs_number": "1",
                            "product_code": "982_AED_045_C_2",
                            "balances": {
                                "type": "",
                                "currency": "AED",
                                "amount": ""
                            },
                            "sub_accounts": {
                                "account_number": "0009821110000000008",
                                "customer_id": "7876790",
                                "rbs_number": "1",
                                "product_code": "982_AED_045_C_2",
                                "balances": {
                                    "type": "",
                                    "currency": "AED",
                                    "amount": ""
                                },
                                "sub_accounts": {
                                    "account_number": "0009821110000000008",
                                    "customer_id": "7876790",
                                    "rbs_number": "1",
                                    "product_code": "982_AED_045_C_2",
                                    "balances": {
                                        "type": "",
                                        "currency": "AED",
                                        "amount": ""
                                    },
                                    "sub_accounts": {
                                        "account_number": "0009821110000000008",
                                        "customer_id": "7876790",
                                        "rbs_number": "1",
                                        "product_code": "982_AED_045_C_2",
                                        "balances": {
                                            "type": "",
                                            "currency": "AED",
                                            "amount": ""
                                        },
                                        "cards": {
                                            "masked_card_number": "999851XXXXXX8349",
                                            "customer_id": "100000027",
                                            "card_identifier_id": "99985101161390700708",
                                            "card_identifier_type": "EXID",
                                            "card_expiry_date": "0528",
                                            "cardholder_name": "JOHN DOE",
                                            "product_code": "982_AED_002_A",
                                            "product_name": "",
                                            "brand": "VISA",
                                            "card_virtual_indicator": "V",
                                            "statuses": {
                                                "type": "BCC-CARD-982",
                                                "value": "_",
                                                "changed_date": "",
                                                "description": "SPACE"
                                            },
                                            "balances": {
                                                "type": "",
                                                "currency": "AED",
                                                "amount": ""
                                            }
                                        }
                                    }
                                }
                            }
                        }
                    }
                }
            }
        }
    }
}

Node Child Node Type Length Description

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

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3- Process 1

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4- Process 1

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5- Process 1

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