Credit Solutions

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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Version
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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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Get CVV2(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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Cards List(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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Card Statement Summary(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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Get Card Transactions(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Card Replacement(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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Account Update(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Card Update(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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Card Balance Enquiry(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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Get Companies(Post)

This API enables customers to Get the details of the companies

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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Bulk Card Create(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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Bulk Card Summary(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Bulk Move Cards(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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OnlineEmbossing(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Card Direct Debit(Post)

This API retrieves direct debit details of specific account details.

Status :Production
Version :V2
Product : Credit Solutions
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Card Direct Debit Update(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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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.

Status :Production
Version :V2
Product : Credit Solutions
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Account Transaction(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Account Status Change(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Switch MCC(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Release Pending Authorization(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Get MCC Controls(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Account Balance Enquiry(Post)

The Account Balance API receives balance details of account numbers.

Status :Production
Version :V2
Product : Credit Solutions
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Account Hierarchy Enquiry(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Get Account Transactions(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Get Dictionaries MCC(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Set FXRates(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Get FXRates(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Account Transfer(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Get Eligible Transactions(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Refinance Transaction(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Get Plan List(Post)

This API allows fetching the list of active instalment plans.

Status :Production
Version :V2
Product : Credit Solutions
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Get Plan Details ById(Post)

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

Status :Production
Version :V2
Product : Credit Solutions
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Card Contact Details(Post)

This API allows fetching the customer contact details.

Status :Production
Version :V2
Product : Credit Solutions
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Switch MCC

Status:

Production

Version:

V2

Product:

Credit Solutions

Overview

The Switch MCC API enables the cardholder to seamlessly manage Merchant Category groups, and codes (MCCGs /MCCs), which categorize merchants. This API enables users to update or switch MCCs by enabling or blocking MCCG/MCC, and this will impact the authorization transaction immediately.

How It Works

 

To manage a specific card ID, you can choose to block or allow a list of Merchant Category Codes (MCC) groups, with the option to block or allow MCCs withing each group. For example, suppose you have a group labeled X containing 3 MCC codes 1111,2222,3333. If you want to block group X except for code 3333, you will need to send a request with mcc_blocked_group_list containing group X and mcc_allowed_code_list containing code 3333.  This configuration specifies which MCC groups are blocked overall and which specific MCCs within those groups are allowed.

https://api-sandbox.network.global

Switch MCC

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Status:

Production

Version:

V2

Product:

Credit Solutions
/CardControl/Transaction/V2/SwitchMCC
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_enable_disable_mccheadermsg_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 “TRANSACTION”
msg_function* requiredstring50Message functions: Should be “REQ_ENABLE_DISABLE_MCC”
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
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”
bodycard_identifier_id* requiredstring32Card Identifer ID
card_identifier_type* requiredstring20CONTRACT_NUMBER is used for clear card number or EXID which is a unique identifier for the card generated by CMS
mcc_allowed_group_listcodestring30By specifying this array of codes, only the designated MCC groups will be permitted, while all others will be restricted
mcc_blocked_group_listcodestring30By specifying this array of codes, only the designated MCC groups will be restricted, while all others will be permitted
mcc_allowed_code_listcodestring30By specifying this array of codes, only the designated MCC codes will be permitted, while all others will be restricted
mcc_block_code_listcodestring30By specifying this array of codes, only the designated MCC codes will be restricted, while all others will be permitted

{
    "NISrvRequest": {
        "request_enable_disable_mcc": {
            "header": {
                "msg_id": "4052182325",
                "msg_type": "TRANSACTION",
                "msg_function": "REQ_ENABLE_DISABLE_MCC",
                "src_application": "BNK",
                "target_application": "WAY4",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "bank_id": "NIC"
            },
            "body": {
                "card_identifier_id": "99984104111610175918",
                "card_identifier_type": "EXID",
                "mcc_blocked_group_list": [
                    {
                        "code": "Tickets"
                    }
                ],
                "mcc_allowed_code_list": [
                    {
                        "code": "5523"
                    },
                    {
                        "code": "5599"
                    }
                ],
                "mcc_blocked_code_list": [
                    {
                        "code": "6623"
                    },
                    {
                        "code": "6699"
                    }
                ]
            }
        }
    }
}

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

Node TypeTypeLengthDescription
NISrvResponseresponse_enable_disable_mccheadermsg_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 “TRANSACTION ”
msg_function* requiredstring50Message functions: Should be “REP_ENABLE_DISABLE_MCC”
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 - 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”
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.

{
    "NISrvResponse": {
        "response_enable_disable_mcc": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "REP_ENABLE_DISABLE_MCC",
                "src_application": "IVR",
                "target_application": "WAY4",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "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"
            }
        }
    }
}

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