Card Remittance Solution

Remittance Solutions

Overview

The Network Remittance solution offers plug-and-play integration that connects you to a high-volume remittance channel seamlessly. This gives you flexibility to choose the gateway or partner that suits your requirements based on quote rates and other preferences, allowing you to get the best possible foreign exchange rates to grow your revenue.

 

Convenience and Accessibility

Send money to virtually any country using multiple channels, including online platforms, mobile apps, physical locations, and bank transfers, ensuring flexibility and convenience for all users.

Cost-Effectiveness

Benefit from competitive fees and reduced transaction costs, offering affordable international fund transfers with efficient currency conversion and processing systems.

Speed and Efficiency

Experience expedited cross-border remittances, typically processed within minutes to a few hours, with the assurance of real-time transaction tracking for complete transparency and peace of mind.

Security

Ensure security and compliance with advanced fraud protection measures, encryption technologies, and adherence to regulatory standards, including anti-money laundering (AML) and know-your-customer (KYC) requirements.

Financial Inclusion

Services integrate with mobile wallets and payment systems, expanding financial access for users who rely on mobile technology.

Flexibility and Customization

Recipients can choose their preferred payment method, including direct bank deposits, cash pickups, or mobile money accounts, with the flexibility to send and receive money in multiple currencies.

Economic Benefits

Facilitating remittances not only supports families by providing quick and reliable funds but also boosts local economies, contributing to small businesses and overall economic development.

Customer Support

Cross-border remittance services provide round-the-clock customer support to address any issues or concerns, improving the overall user experience.

 

 

The remittance platform features a cutting-edge gateway engine. It provides cardholders with optimal foreign exchange rates through ecosystem partners. NI shall integrate with these partners and offer a unified set of APIs for cardholders. Integration efforts are minimal for funding institutions, ensuring a quick time to market.

It’s important to note that NI can assist in designing the UI/UX at the front end, provided the client agrees.

 

 

Remit to VISA - (Cards & Wallets) Remit to Visa Cards

 

 

Remit to Cards Remit to MC Cards Cards

 

Download
Version

Funds Transfer Inquiry

Status:

Production

Version:

V2

Product:

Card Remittance Solution

Overview

This service is used to retrieve the key characteristics of a recipient payment card (Permanent Account Number) before initiating fund transfer, like country, card-type, block-status etc.

https://api-sandbox.network.global

Funds Transfer Inquiry

Download

Status:

Production

Version:

V2

Product:

Card Remittance Solution
/Remittance/Enquiry/V2/FundsTransferInquiry
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_funds_transfer_inquiryheadermsg_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* requiredstring50Static Value - REQ_FUNDS_TRANSFER_INQUIRY
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
tracking_id* requiredstring30Tracking_id 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”
bodyprimary_account_number* requiredstring19primary account number(PAN) for which attributes are being requested
retrieval_refernece_number* requiredstring12Reference number for financial transaction
system_trace_audit_number* requiredstring6value used to tie together service calls related to a single financial transaction

{
    "NISrvRequest": {
        "request_funds_transfer_inquiry": {
            "header": {
                "msg_id": "{{$timestamp}}",
                "msg_type": "ENQUIRY",
                "msg_function": "REQ_FUNDS_TRANSFER_INQUIRY",
                "src_application": "MOA",
                "target_application": "VISA",
                "timestamp": "{{timestamp1}}",
                "tracking_id": "{{$randomInt}}",
                "bank_id": "REM"
            },
            "body": {
                "primary_account_number": "4060320000000127",
                "retrieval_refernece_number": "412770452025",
                "system_trace_audit_number": "412770",
                "account_type": "",
                "acquirer_country_code": "",
                "custom_fields": [
                    {
                        "key": "",
                        "value": ""
                    }
                ]
            }
        }
    }
}

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

Node TypeTypeLengthDescription
NISrvResponseresponse_funds_transfer_inquiryheadermsg_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* requiredstring50Static Value - RES_FUNDS_TRANSFER_INQUIRY
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 Date & time Format DD/MM/YYYY HH:MM:SS
tracking_id* requiredstring30Tracking ID of the response Date & time Format DD/MM/YYYY HH:MM:SS
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.
bodybilling_currencyinteger3billing currency of the PAN
billing_currency_code_minor_digitsstring1number of decimal positions in requested billing currency
card_platform_codestring2Type of card
card_product_typestring1Card Product type - Credit/Debit/Prepaid
combo_card_rangestring1Type of combo card
issuer_country_codestring3Recipient's issuer country code
issuer_namestring240Recipient's issuer name
money_transfer_fastfunds_cross_borderstring1cross-border money transfer OCTs are allowed (fast push funds)
money_transfer_fastfunds_domesticstring1domestic money transfer OCTs are allowed (fast push funds)
money_transfer_pushfunds_cross_borderstring1cross-border money transfer OCTs are allowed (push funds)
money_transfer_pushfunds_domesticstring1domestic money transfer OCTs are allowed (push funds)
pull_funds_crossborderstring1cross-border money transfer AFTs (pull funds) are allowed
account_typestring6account type of recipient PAN
account_currency_codestring3currency code for the card billing currency of the PAN
geo_restriction_indstring1if the recipient issuer can accept transactions from originator country
ard_subtype_codestring1type of prepaid card
prepaid_subtype_codestring2subtype code of prepaid card product
custom_fieldskeystring100
valuestring100

{
    "NISrvResponse": {
        "response_funds_transfer_inquiry": {
            "header": {
                "msg_id": "236001",
                "msg_type": "ENQUIRY",
                "msg_function": "RES_FUNDS_TRANSFER_INQUIRY",
                "src_application": "BNK",
                "target_application": "DLOCAL",
                "timestamp": "2024-03-06T11:50:02.366+04:00",
                "tracking_id": "528",
                "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": {
                "billing_currency": "000",
                "billing_currency_code_minor_digits": "0",
                "card_platform_code": "",
                "card_product_type": "",
                "combo_card_range": "",
                "issuer_country_code": "",
                "issuer_name": "",
                "money_transfer_fastfunds_cross_border": "",
                "money_transfer_fastfunds_domestic": "",
                "money_transfer_pushfunds_cross_border": "",
                "money_transfer_pushfunds_domestic": "",
                "pull_funds_crossborder": "",
                "account_type": "",
                "account_currency_code": "",
                "geo_restriction_ind": "",
                "ard_subtype_code": "",
                "prepaid_subtype_code": "",
                "custom_fields": [
                    {
                        "key": "",
                        "value": ""
                    }
                ]
            }
        }
    }
}

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