Credit Solutions

Overview

Our one-stop, centralized solution for Credit 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 Credit Card processing solution, you can easily accept payments from your customers and offer flexible credit options. Our platform supports all major credit card networks, so you can serve customers regardless of their issuing bank.

Activate Credit cards

Users can activate credit cards when they are first issued or after they have been temporarily suspended.

Check Available Credit

Users can check their available credit limit and outstanding balance in real-time or on a scheduled basis.

View Transaction History

Users can view a detailed record of all transactions made with a credit card, including the date, time, amount, and merchant details.

Make Payments

Users can pay their credit card bills through multiple channels, including online transfers, auto-debit, or in-person payments.

Resolve disputes

Users can access a process for resolving disputes or issues that may arise with credit card transactions, ensuring timely resolution and customer satisfaction.

Protect against fraud

Users can access measures to detect and prevent fraudulent activity on credit cards, such as monitoring for suspicious activity, enabling transaction alerts, and requiring additional authentication for high-value transactions.

Manage card accounts

Users can view and manage their credit card accounts, including the ability to set spending limits, view transaction history, update personal information, and manage rewards or loyalty points.

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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.

Account Create(Post)

The Account Create API allows for the creation of new customer accounts. Parameters include customer ID, card type, branch code, Product code, currency, and custom fields.

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.

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.

Card Set Pin(Post)

This API enables the setting of a personal identification number (PIN) for a specific card, which can then be used for point of sale or ATM transactions.

Card Pin Verification(Post)

This API is used to check if a PIN provided by the cardholder matches the one associated with the card, in order to confirm the identity of the cardholder.

Card Pin Change(Post)

This API allows a cardholder to change their PIN by verifying their current PIN and setting a new one. The new PIN will be used for Point of Sales or ATM transactions.

Pin Tries Counter Reset(Post)

This API allows to reset the number of attempts a user has made to enter the correct PIN, in case the user has entered the incorrect PIN multiple times.

Get CVV2(Post)

This API allows consumers to retrieve the CVV2 (Card Verification Value 2) for a specific card.

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.

Cards List(Post)

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

Accounts List(Post)

The List of Accounts API is a useful tool for payment processing companies that offer a range of financial products, such as credit cards, debit cards, and bank accounts. This API allows customers to easily view a list of all their accounts with the payment processing company, providing a convenient way to manage their finances and keep track of their spending.

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.

Customer Details(Post)

A customer details enquiry API allows a payment processing company to retrieve information about a customer's account. This could be used, for example, by a merchant to get information about a customer's billing address or by a customer service representative to verify account details.

Card Transaction(Post)

This API posts a financial transactions on card or account by debiting or crediting the account balance with provided amount and currency.

Card Statement Summary(Post)

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

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.

Get Card Transactions(Post)

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

Card Replacement(Post)

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

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.

Account Update(Post)

This API allows for the updating of an existing account for a cardholder.

Card Update(Post)

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

Get Limits(Post)

This API allows customers to easily view a summary of their limit usage, providing a convenient way to keep track of their spending and manage their finances.

Get Eligible Plans(Post)

The Get Eligible Plans API is a useful tool for payment processing companies that offer credit or debit card services. This API allows customers to easily view a list of plans that they are eligible for, providing a convenient way to compare different plan options and choose the one that best suits their needs.

Card Limit Change(Post)

The Card Limit Change API is a useful tool for payment processing companies that offer credit or debit card services. This API allows customers to easily change the limit on their card, providing a convenient way to manage their finances and control their spending.

Balance Transfer(Post)

The Balance Transfer API is a powerful tool for payment processing companies that offer balance transfer services. This API allows customers to easily transfer the balance from one credit card to another, providing a convenient way to manage their finances and pay off debt.

Card Balance Enquiry(Post)

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

LoanOnCall QuickCash(Post)

The Quick Cash API is a powerful tool for payment processing companies that offer loan services. This API allows customers to apply for and receive loans quickly and easily, providing a convenient and hassle-free way to access credit when needed.

Switch Restrictions(Post)

This API allows customers to seamlessly switch restrictions on their credit or debit cards, helping them to make decisions about their spending.

Update Limits(Post)

This API enables customers to quickly and easily view any limits on their credit or debit cards, helping them to make informed decisions about their spending.

Get Companies(Post)

This API enables customers to Get the details of the companies

Get Restrictions(Post)

This API enables customers to quickly and easily view any restrictions on their credit or debit cards, helping them to make informed decisions about their spending.

Bulk Card Create(Post)

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

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.

Bulk Card Summary(Post)

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

Bulk Move Cards(Post)

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

OnlineEmbossing(Post)

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

Card Direct Debit(Post)

This API retrieves direct debit details of specific account details.

Card Direct Debit Update(Post)

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

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.

Account Transaction(Post)

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

Account Status Change(Post)

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

Switch MCC(Post)

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

Release Pending Authorization(Post)

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

Get MCC Controls(Post)

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

Account Balance Enquiry(Post)

The Account Balance API receives balance details of account numbers.

Account Hierarchy Enquiry(Post)

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

Get Account Transactions(Post)

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

Set FXRates(Post)

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

Get FXRates(Post)

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

Account Transfer(Post)

This API is used to transfer account and its sub accounts and cards from one product to another.

Get Eligible Transactions(Post)

This API retrieves a list of transactions that qualify for conversion into an installment plan.

Refinance Transaction(Post)

This API allows the conversion of a specific transaction into an installment plan.

Get Plan List(Post)

This API allows fetching the list of active instalment plans.

Get Plan Details ById(Post)

This API allows fetching all the details related to active instalment plan.

Card Contact Details(Post)

This API allows fetching the customer contact details.

Balance Conversion(Post)

IPP Balance Conversion API transaction transfers outstanding principal amounts from IPP plans to Retail plans. It debits the IPP LOAN UNB bucket and credits the "Retail Instalments (technical)" account, then allocates funds to RETAIL plan LOAN buckets following a priority sequence of BIL_PREV, BIL_LAST, and CUR. This enables efficient balance transfers between payment structures while maintaining systematic allocation priorities.

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.

Card Insurance Product Update(Post)

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

Get Product Dictionary(Post)

This service will be used to get all products for a given FI, with the option to filter on Product Contract (Account|Card).

Card Activate

Status:

Production

Version:

V2

Product:

Credit Solutions

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