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.

Download

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_card_insurance_product	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_CARD_INSURANCE_PRODUCT"
			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 Id
		body	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

Node Type						Type	Length	Description
NISrvResponse	response_card_insurance_product	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 "REP_CARD_INSURANCE_PRODUCT"
			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	15	Timestamp of the resopnse - 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	card_identifier_id* required			string	32	Card identifier id
			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
			insurance_products	name		string	255	Name of the insurance (E.g. Credit Shield)
				code		string	2	Code of the insurance - From 01 to 12
				is_active		string	32	Business Reference of Status (CANCELLED\|ACTIVE)
				status_code		string	10	Status Code of the insurance (F,R,U,etc.)
				status_name		string	255	Status name (Enrolled, Cancelled by User, etc.)
				activation_date		string	10	Activation Date
				deactivation_date		string	10	Deactivation Date
				reinstatement_date		string	10	Reinstatement Date
				parameters	insurance_company	string	2	Insurance company code
					grace_period_duration	string	2	Duration of grace period
					grace_period_type	string	2	Type of grace period
					dlq_cancel_auto_reinstate	string	2	Number of auto-reinstatements after delay
					dlq_cancel_man_reinstate	string	2	Number of manual reinstatements after delay
					allow_zero_coverage	string	1	Allow zero coverage
					max_coverage_behavior	string	1	Max coverage behavior
					minimum_fee	string	10	Minimum fee
					base_fee	string	10	Base fee
					percentage	string	5	Percentage
					max_coverage	string	10	Maximum coverage
					max_age	string	3	Maximum age for coverage

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

Debit Solutions

Overview

Activate Debit cards

Check card balances

View transaction history

Reload cards

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)

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)

Get Dictionaries MCC(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)

Card Insurance Product(Post)

Card Insurance Product Update(Post)

Card Insurance Product

Status:

Production

Version:

V2

Product:

Credit Solutions

Card Insurance Product

Overview

Insurance Name

Insurance Status

Insurance Activation Date