Debit Solutions

Overview

Our one-stop, centralised solution for Debit Card processing is designed to provide you with a seamless and secure payment experience. Whether you are a small business or a large enterprise, our solution is cost-effective, easily configurable and scalable to meet your specific needs.

With our Debit Card processing solution, you can easily accept payments from your customers and enjoy faster access to your funds. Our platform supports all major debit card networks, so you can accept payments from customers regardless of their bank.

Activate Debit cards

Users can activate debit cards when they are first issued or after they have been deactivated for any reason.

Check card balances

Users can check the balance on a debit card in real-time or on a scheduled basis.

View transaction history

Users can view a detailed record of all transactions made with a debit card, including the date, time, amount, and location of each transaction.

Reload cards

Users can add funds to a debit card, either by transferring money from another account or by purchasing a reload card.

Resolve disputes

Users can access a process for resolving disputes or issues that may arise with debit card transactions.

Protect against fraud

Users can access measures to detect and prevent fraudulent activity on debit cards, such as monitoring for suspicious activity or requiring additional authentication for certain transactions.

Manage card accounts

Users can view and manage their debit card accounts, including the ability to set spending limits, view transaction history, and update personal information.

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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.

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	Message functions: Should be “REQ_CARD_CREATE”
	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	customer_id* required			string	20	Customer ID: Customer Identification number This should be a unique number
	account_number* required			string	64	Account number
	card_type* required			string	7	Informative value to the request, does not have any functional impact, the value can be PREPAID/CREDIT/DEBIT
	card	customer_id* required		string	20	Customer ID: Customer Identification number This should be a unique number
		account_number* required		string	64	Account number
		institution_id* required		string	5	institution 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_type		string	20	CONTRACT_NUMBER is used for clear card number or EXID which is a unique identifier for the card generated by CMS
		card_identifier_id		string	32	Clear card number generated by FI system. If it was not provided, CMS will generate it
		card_expiry_date		string	4	Format YYMM. If it was not provided, CMS will generate it
		cardholder_name* required		string	21	Cardholder name
		product_code* required		string	32	Product code, this code is generated by CMS after creating the product, this code is FI spesific code 982_AED_002_P is just used as an example in Sandbox"
		card_date_open		string	10	Date of card contract creation
		currency* required		string	3	Informative value to the request, does not have any functional impact, the currency will be taken from the product
		card_virtual_indicator* required		string	1	V - Virtual P - Physical
		limit	type	string	32	Credit limit, applicable only for credit cards, Type of limit: FIN_LIMIT, CR_LIMIT_PCNT (Supplementary card only)
			currency	string	3	Credit limit currency
			value	string	20	Credit limit value
		custom_fields	key	string	20	Custom Tag. Example: contract_idt_scheme
		custom_fields	value	string	128	Tag value. Example: CONTRACT_NUMBER

Node Type					Type	Length	Description
NISrvResponse	response_card_create	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	Message functions: Should be “REP_CARD_CREATE”
			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	15	Timestamp of the response - 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”
		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.
		body	card_identifier_id* required		string	32	CardValue of card number, Token number, Ext_number
			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
			masked_pan* required		string	16	Masked PAN
			card_virtual_indicator* required		string	1	P- Physical V- Virtual
			custom_fields	key	string	32	Custom Tag e.g. contract_idt_scheme
			custom_fields	value	string	128	Custom Tag value

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

Credit Solutions

Debit Solutions

Overview

Activate Debit cards

Check card balances

View transaction history

Reload cards

Resolve disputes

Protect against fraud

Manage card accounts

Client Create(Post)

Account Create(Post)

Card Create(Post)

Card Activate(Post)

Card Set Pin(Post)

Card Pin Verification(Post)

Card Pin Change(Post)

Pin Tries Counter Reset(Post)

Get CVV2(Post)

Lookup Card Identifier(Post)

Cards List(Post)

Accounts List(Post)

Card Details Enquiry(Post)

Customer Details(Post)

Card Transaction(Post)

Card Statement Summary(Post)

Card Status Change(Post)

Get Card Transactions(Post)

Card Replacement(Post)

Client Update(Post)

Account Update(Post)

Card Update(Post)

Get Limits(Post)

Card Balance Enquiry(Post)

Switch Restrictions(Post)

Update Limits(Post)

Get Companies(Post)

Get Restrictions(Post)

Bulk Card Create(Post)

Bulk List Of Cards(Post)

Bulk Card Summary(Post)

Bulk Move Cards(Post)

OnlineEmbossing(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)

Account Transfer(Post)

Get Eligible Transactions(Post)

Refinance Transaction(Post)

Get Plan List(Post)

Get Plan Details ById(Post)

Card Contact Details(Post)

Card Create

Status:

Production

Version:

V2

Product:

Credit Solutions

Card Create

Overview

Efficient Card Creation

Customizable Features

Virtual Card Option

How It Works

Card Create

Status:

Production

Version: