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.

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
NISrvRequest	request_account_balance_enquiry	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	Message functions: Should be “REQ_ACCOUNT_BALANCE_ENQUIRY”
			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	card identifier
			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
			balance_list	string	15	Sample Values 'AVAILABLE', 'BLOCKED', 'TOTAL_BALANCE' etc

Node Type					Type	Length	Description
NISrvResponse	response_Account_balance_enquiry	header	msg_id* required		string	12	Unique Source Message ID eg ada123456fdsf
			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	Default REP_ACCOUNT_BALANCE_ENQUIRY
			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		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	parent_account_number* required		string	64	Account number
			balances	type	string	32	Type of the balance
				currency	string	3	Currency
				amount	string	20	Balance ammount

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

Credit Solutions

Overview

Activate Credit cards

Check Available Credit

View Transaction History

Make Payments

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)

Get Eligible Plans(Post)

Card Limit Change(Post)

Balance Transfer(Post)

Card Balance Enquiry(Post)

LoanOnCall QuickCash(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)

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)

Balance Conversion(Post)

Card Insurance Product(Post)

Card Insurance Product Update(Post)

Get Product Dictionary(Post)

Account Balance Enquiry

Status:

Production

Version:

V2

Product:

Credit Solutions

Overview

How It Works

Account Balance Enquiry