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.

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.

Card Balance Enquiry(Post)

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

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.

Get Dictionaries MCC(Post)

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

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.

Card Statement Summary

Status:

Production

Version:

V2

Product:

Credit Solutions

Card Statement Summary

Overview

This API allows developers to retrieve transaction history for a specific card. It requires one of the supported card identifier as an input and returns all transaction details within a specified date range. The API connects to the card issuer's management system and retrieves the transaction history for the provided card number. The returned information includes details such as transaction amount, merchant name, and transaction date. API has capability to list posted transactions, authorized transactions or statement transactions

Transaction history retrieval

The primary feature of this API is its ability to retrieve transaction history for a specific card. It allows developers to easily access a cardholder's transaction history within a specified date range, providing them with the information they need to display the transaction history to the customer or for internal purposes.

Date range filtering

The API allows developers to specify a date range when retrieving transaction history, providing them with a more targeted and relevant set of information. This feature is particularly useful for businesses that need to monitor transaction activity over a specific period of time.

Secure data transfer

The API uses standard HTTP protocols to receive the request and return the response and it also uses the necessary authentication credentials such as an API key, which provides an additional layer of security to protect the cardholder's information.

How It Works

The customer initiates a statement summary request through the payment processing company's website or mobile app, using the Card Statement Summary API. The payment processing company verifies the customer's identity and retrieves the statement summary for the requested time period. The payment processing company returns the statement summary to the customer through the website or mobile app, allowing the customer to view a summary of their card activity and spending. The customer can use the Card Statement Summary API to review their spending and manage their finances, providing a convenient way to stay on top of their finances.

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	CardStatementSummaryHeader
	msg_type* required	string	12	Request Type Default ENQUIRY
	msg_function* required	string	50	Function name to be used Default REQ_CARD_STATEMENT_SUMMARY
	src_application* required	string	10	Source requesting channel Ex IVR
	target_application* required	string	10	Target application name Ex PCMS
	timestamp* required	string	30	Timestamp of the request Format DD/MM/YYYY HH:MM:SS
	tracking_id	string	30	Transaction Tracking Id
	bank_id* required	string	4	Source Bank Id Ex bankID
body	card_identifier_id* required	string	32	card identifier
	card_identifier_type* required	string	20	CONTRACT_NUMBER or EXID
	statement_period* required	string	4	Format MMYY (Maximum statement is 12 months from the current date)

{"NISrvRequest":{"request_card_statement_summary":{"header":{"msg_id":"236001","msg_type":"ENQUIRY","msg_function":"REQ_CARD_STATEMENT_SUMMARY","src_application":"IVR","target_application":"PCMS","timestamp":"2020-07-20T10:49:02.366+04:00","tracking_id":"236001","bank_id":"NIC"},"body":{"card_identifier_id":"99984100148297467162","card_identifier_type":"EXID","statement_period":"0323"}}}}

{
    "NISrvRequest": {
        "request_card_statement_summary": {
            "header": {
                "msg_id": "236001",
                "msg_type": "ENQUIRY",
                "msg_function": "REQ_CARD_STATEMENT_SUMMARY",
                "src_application": "IVR",
                "target_application": "PCMS",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "tracking_id": "236001",
                "bank_id": "NIC"
            },
            "body": {
                "card_identifier_id": "99984100148297467162",
                "card_identifier_type": "EXID",
                "statement_period": "0323"
            }
        }
    }
}

Node	Child Node	Type	Length	Description
Content-Type	application/json	string		Content Type

Node Type						Type	Length	Description
NISrvResponse	response_card_statement_summary	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 “ENQUIRY”
			msg_function* required			string	50	Static Value - RES_CARD_STATEMENT_SUMMARY
			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 response Date & time Format DD/MM/YYYY HH:MM:SS
			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	454545XXXXXX1234
			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
			statement_period* required			string	4	Statement period for the card statement summary ..Maximum statement is 12 months from the current date
			statement_details	statement_date* required		string	10	Billing Date
				last_statement_date* required		string	3	Last billing date
				statement_opening_balance* required		string	20	Statement Opening balance
				statement_closing_balance* required		string	20	Statement Closing balance
				due_amount		string	20	Due amount
				due_date		string	10	Statement due date in format YYYY-MM-DD
				full_payment_amount		string	20	Full payment amount/interest free amount
				interest_this_statement		string	20	Interest amount in selected statement
				statement_available_balance* required		string	20	Available amount at the time of statement
				reward_programs	reward_type	string	3	Reward type
					reward_open_balance	string	3	Reward open balance
					reward_balance	string	20	Reward balance on the current billing cycle
					reward_earned	string	20	Reward earned points on the current billing cycle
					reward_redeemed	string	20	Reward redeemed points on the current billing cycle
					reward_adjust	string	20	Reward adjust points on the current billing cycle
					reward_total_earned	string	20	Reward earned points on the current billing cycle

{"NISrvResponse":{"response_card_statement_summary":{"header":{"msg_id":"236001","msg_type":"ENQUIRY","msg_function":"RES_CARD_STATEMENT_SUMMARY","src_application":"IVR","target_application":"CMS","timestamp":"2020-07-20T10:49:02.366+04:00","bank_id":"NIC","instance_id":"InstanceID"},"exception_details":{"application_name":"TCC-ADP","date_time":"2023-02-01T16:39:47.314+04:00","status":"S","error_code":"000","error_description":"Success"},"body":{"card_identifier_id":"454545XXXXXX1234","card_identifier_type":"CONTRACT_NUMBER\/EXID","statement_period":"string","statement_details":{"statement_date":"15\/12\/2021","last_statement_date":"","statement_opening_balance":"0.00","statement_closing_balance":"-6000.00","due_amount":"-900.00","due_date":"05\/01\/2022","full_payment_amount":"-6000.00","interest_this_statement":"0.00","statement_available_balance":"","reward_programs":[{"reward_type":"","reward_open_balance":"","reward_balance":"","reward_earned":"","reward_redeemed":"","reward_adjust":"","reward_total_earned":""}]}}}}}

{
    "NISrvResponse": {
        "response_card_statement_summary": {
            "header": {
                "msg_id": "236001",
                "msg_type": "ENQUIRY",
                "msg_function": "RES_CARD_STATEMENT_SUMMARY",
                "src_application": "IVR",
                "target_application": "CMS",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "bank_id": "NIC",
                "instance_id": "InstanceID"
            },
            "exception_details": {
                "application_name": "TCC-ADP",
                "date_time": "2023-02-01T16:39:47.314+04:00",
                "status": "S",
                "error_code": "000",
                "error_description": "Success"
            },
            "body": {
                "card_identifier_id": "454545XXXXXX1234",
                "card_identifier_type": "CONTRACT_NUMBER\/EXID",
                "statement_period": "string",
                "statement_details": {
                    "statement_date": "15\/12\/2021",
                    "last_statement_date": "",
                    "statement_opening_balance": "0.00",
                    "statement_closing_balance": "-6000.00",
                    "due_amount": "-900.00",
                    "due_date": "05\/01\/2022",
                    "full_payment_amount": "-6000.00",
                    "interest_this_statement": "0.00",
                    "statement_available_balance": "",
                    "reward_programs": [
                        {
                            "reward_type": "",
                            "reward_open_balance": "",
                            "reward_balance": "",
                            "reward_earned": "",
                            "reward_redeemed": "",
                            "reward_adjust": "",
                            "reward_total_earned": ""
                        }
                    ]
                }
            }
        }
    }
}

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