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).

Balance Transfer

Status:

Production

Version:

V2

Product:

Credit Solutions

Balance Transfer

Overview

This API allows you to effortlessly transfer funds between accounts. Customize your transfer using optional parameters and receive instant feedback on your transaction.

Streamlined transfer process

The API simplifies the fund transfer process, making it easy for users to transfer funds without any hassle.

Customizable options

Users can tailor their transfers according to their specific needs by utilizing the API's optional parameters.

Detailed transaction feedback

Users receive instant feedback regarding the success or failure of their transactions, ensuring transparency and peace of mind.

How It Works

The Balance Transfer API facilitates fund transfers between accounts using various parameters, including currency, amount, and a brief description of the transfer. A unique reference number and plan number are also included. The API also provides optional parameters, such as interest rates, fees, grace periods, and allocation amounts. Once the parameters are set, the API executes the transfer between the source and destination accounts and returns a response indicating the success or failure of the transaction.

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	The msg_id sent in the request will be sent back in response in this field
	msg_type* required		string	12	Request Type Default TRANSACTION
	msg_function* required		string	50	Function name to be used Default REQ_BALANCE_TRANSFER
	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
	bank_id* required		string	4	Source Bank Id Ex bankID
	instance_id		string	10	InstanceID
body	currency* required		string
	amount* required		string
	description* required		string
	transaction_ref_number* required		string
	plan_number* required		string
	override_options	number_of_portions	string
		interest_rate	string
		fee_waive	string
		ad-hoc_fee_type	string
		ad-hoc_fee	string
		grace_period	string
		free_period_number	string
		portion_amount	string
		allocate_interest_amount	string

{"NISrvResponse":{"request_balance_transfer":{"header":{"msg_id":"236001","msg_type":"TRANSACTION","msg_function":"REQ_BALANCE_TRANSFER","src_application":"IVR","target_application":"CMS","timestamp":"2020-07-20T10:49:02.366+04:00","bank_id":"NIC","instance_id":"InstanceID"},"body":{"currency":"AED","amount":"3000.00","description":"Balance Transfer 270620221110","transaction_ref_number":"11100521","plan_number":"00166","override_options":{"number_of_portions":"","interest_rate":"10","fee_waive":"N","ad-hoc_fee_type":"F","ad-hoc_fee":"20","grace_period":"1","free_period_number":"1","portion_amount":"40000","allocate_interest_amount":"1000"}}}}}

{
    "NISrvResponse": {
        "request_balance_transfer": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "REQ_BALANCE_TRANSFER",
                "src_application": "IVR",
                "target_application": "CMS",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "bank_id": "NIC",
                "instance_id": "InstanceID"
            },
            "body": {
                "currency": "AED",
                "amount": "3000.00",
                "description": "Balance Transfer 270620221110",
                "transaction_ref_number": "11100521",
                "plan_number": "00166",
                "override_options": {
                    "number_of_portions": "",
                    "interest_rate": "10",
                    "fee_waive": "N",
                    "ad-hoc_fee_type": "F",
                    "ad-hoc_fee": "20",
                    "grace_period": "1",
                    "free_period_number": "1",
                    "portion_amount": "40000",
                    "allocate_interest_amount": "1000"
                }
            }
        }
    }
}

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

Node Type		Type	Length	Description
header	msg_id* required	string	12	The msg_id sent in the request will be sent back in response in this field
	msg_type* required	string	12	Request Type Default TRANSACTION
	msg_function* required	string	50	Function name to be used Default RES_BALANCE_TRANSFER
	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
	bank_id* required	string	4	Source Bank Id Ex bankID
	instance_id	string	10	InstanceID
exception_details

{"NISrvResponse":{"response_balance_transfer":{"header":{"msg_id":"236001","msg_type":"TRANSACTION","msg_function":"RES_BALANCE_TRANSFER","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"}}}}

{
    "NISrvResponse": {
        "response_balance_transfer": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "RES_BALANCE_TRANSFER",
                "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"
            }
        }
    }
}

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