Credit Solutions

Overview

Prepaid card services in NI allow users to access and use prepaid cards in the payment processing system. Prepaid cards are a type of payment card that are loaded with a specific amount of funds, which can be used to make purchases or withdraw cash at locations that accept the card.Users of prepaid card services in a payment processing company can typically:

Activate prepaid cards

Users can activate prepaid 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 prepaid card in real-time or on a scheduled basis.

View transaction history

Users can view a detailed record of all transactions made with a prepaid card, including the date, time, amount, and location of each transaction.

Reload cards

Users can add funds to a prepaid 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 prepaid card transactions.

Protect against fraud

Users can access measures to detect and prevent fraudulent activity on prepaid cards, such as monitoring for suspicious activity or requiring additional authentication for certain transactions.

Manage card accounts

Users can view and manage their prepaid 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.

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 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.

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.

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 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.

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.

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.

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.

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 SDM Details Enquiry(Post)

The Card SDM Details API enables businesses to obtain detailed information about a specific card. The API requires the card identifier as an input parameter and returns the requested information in a JSON format. The information returned by the API includes the primary account number (PAN), the product associated with the card, various statuses and other SDM elements on contract level. This feature allows businesses to access and utilize the card information to support various card-related operations, such as transactions, card management, and customer service.

Get Card Transactions

Status:

Production

Version:

V2

Product:

Debit Solutions

Get Card Transactions

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

A developer makes a request to the API endpoint, including the necessary details such as the card number and the date range in the request body. The API receives the request and processes it by connecting to the card issuer's management system using the provided card number as the identifier. The API then retrieves the transaction history for the provided card number and date range. The API generates a response containing the transaction details in a JSON format The developer receives the response and can then use the information to display the transaction history to the customer or for internal purposes.

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
NISrvRequest	request_get_card_transactions	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 “TRANSACTION”
			msg_function* required	string	50	Message functions: Should be “REQ_GET_CARD_TRANSACTIONS”
			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
			transaction_type* required	string	16	time_based/posted, statemented,abstract, aggregated: this returns both authorized and posted transactions
			date_from	string	10	Format DD/MM/YYYY. Maximum interval is 90days. Conditional for posted.
			date_to	string	10	Format DD/MM/YYYY. Maximum interval is 90days.Conditional for posted
			statement_period	string	4	Format YYMM (Maximum statement is 12 months from the current date).
			no_of_transactions_requested	string	2	Maximum number of transactions to be fetched in a request. Value should be between 1 and 99 default is 50
			requested_page_no	string	4	Page number of the current request, could be from 1 to 99.
			return_mcc_group	string	4	To retrun MCC group
			condition_filter	string	255	Filter for Aggregate transactions, like ATM, POS
			include_auth_declined	string	1	Pass Y to Include declined authorization transactions. Not applicable for transaction_type auth_declined
			groups_use	string	1	Pass Y To get transaction chain
			group_first_only	string	1	This parameter allows to get only first transaction with same group_idt. The parameter works with groups_use = 'Y'
			account_level_number_entry_toggle	string	1	By default, when statement is requested for primary card, account-level entries are returned with primary card's PAN in the contract_number field. When 'Y' is passed, this logic is disabled and account number is returned for account-level entries.
			include_fin	string	1	Applicable for transaction_type abstract. if 'Y' - include financial transactions
			include_auth	string	1	Applicable for transaction_type abstract.if ’Y' - include pending auth transactions

{"NISrvRequest":{"request_get_card_transactions":{"header":{"msg_id":"236001","msg_type":"ENQUIRY","msg_function":"REQ_GET_CARD_TRANSACTIONS","src_application":"IVR","target_application":"WAY4","timestamp":"2020-07-20T10:49:02.366+04:00","bank_id":"NIC"},"body":{"card_identifier_id":"454545XXXXXX1234","card_identifier_type":"EXID","transaction_type":"aggregated","date_from":"01\/12\/2022","date_to":"29\/12\/2022","statement_period":"0123","no_of_transactions_requested":"55","requested_page_no":"55","return_mcc_group":"true","condition_filter":"true","include_auth_declined":"Y","groups_use":"Y","group_first_only":"Y","account_level_number_entry_toggle":"Y","include_fin":"Y","include_auth":"Y"}}}}

{
    "NISrvRequest": {
        "request_get_card_transactions": {
            "header": {
                "msg_id": "236001",
                "msg_type": "ENQUIRY",
                "msg_function": "REQ_GET_CARD_TRANSACTIONS",
                "src_application": "IVR",
                "target_application": "WAY4",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "bank_id": "NIC"
            },
            "body": {
                "card_identifier_id": "454545XXXXXX1234",
                "card_identifier_type": "EXID",
                "transaction_type": "aggregated",
                "date_from": "01/12/2022",
                "date_to": "29/12/2022",
                "statement_period": "0123",
                "no_of_transactions_requested": "55",
                "requested_page_no": "55",
                "return_mcc_group": "true",
                "condition_filter": "true",
                "include_auth_declined": "Y",
                "groups_use": "Y",
                "group_first_only": "Y",
                "account_level_number_entry_toggle": "Y",
                "include_fin": "Y",
                "include_auth": "Y"
            }
        }
    }
}

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

Node Type					Type	Length	Description
NISrvResponse	response_get_card_transactions	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_GET_CARD_TRANSACTIONS”
			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	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
			transaction_type* required		string	16	Type of the card transaction the expected values are - authorized, time_based/posted, statemented
			date_from		string	10	Format YYYY-MM-DD Conditional for posted
			date_to		string	10	Format YYYY-MM-DD Conditional for posted
			statement_period		string	4	Format YYMM Conditional Mandatory for statemented
			no_of_transactions_returned* required		string	3	Number of transactions
			no_of_transactions_requested		string	2	Maximum number of transactions to be fetched in a request. Value should be between 1 and 99 default is 50
			requested_page_no		string	4	Page number of the current request, could be from 1 to 99.
			total_no_of_pages		string	2	Total number of requests
			condition_filter		string	255	Condition_filter sent in request
			transaction	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
				card_identifier_id* required	string	32	card_identifier_id
				masked_pan* required	string	16	Pan in Masked form
				trans_date* required	string	10	Transaction date & the format is DD/MM/YYYY
				post_date* required	string	10	Posting date & the format is DD/MM/YYYY
				debit_credit_flag* required	string	1	Type of direction
				response_code* required	string	3	Return code
				description* required	string	255	Transaction description
				transaction_ref_number* required	string	12	Transaction reference number
				currency* required	string	3	Currency code Ex: AED
				amount* required	string	20	Amount
				source_currency* required	string	3	Transaction Currency
				source_amount* required	string	20	Transaction amount
				auth_code	string	32	Authorization code
				merchant_id	string	32	Merchant ID number
				merchant_category_code	string	4	SIC
				merchant_name	string	64	Merchant Name
				merchant_address	string	64	Merchant Address
				merchant_city	string	64	Merchant City
				merchant_country	string	64	Merchant Country
				merchant_category_group	string	20	Category Group
				trans_id	string	20	Transaction Id
				balance_type	string	20	RETAIL
				source_number	string	64	Merchant Terminal ID
				fx_rate	string	41	Exchange rate
				group_idt	string	255	Identifier to understand that the transaction + fee + VAT belongs to one chain
				group_amount	string	41	Total Transaction Amount (Original + Fees + VAT)
				group_dr_cr_flag	string	1	Debit/credit flag for the field group_amount. 'D' for Debit, 'C' otherwise.
				group_is_first	string	1	Y is returned for the first record returned within the group_idt, otherwise N.
				group_nr_recs	string	1	Total number of records within the same group_idt.
				group_rnr	string	1	Sequence of the record within the group_idt.
				tc_entry_role	string	255	Entry Role

{"NISrvResponse":{"response_get_card_transactions":{"header":{"msg_id":"236001","msg_type":"ENQUIRY","msg_function":"REP_GET_CARD_TRANSACTIONS","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"},"body":{"card_identifier_id":"454545XXXXXX1234","card_identifier_type":"EXID","transaction_type":"authorized","date_from":"2021-02-02T00:00:00.000Z","date_to":"2021-10-02T00:00:00.000Z","statement_period":"312","no_of_transactions_returned":"019","no_of_transactions_requested":"55","requested_page_no":"55","total_no_of_pages":"55","condition_filter":"ECOM","transaction":{"card_identifier_type":"EXID","card_identifier_id":"454545XXXXXX1234","masked_pan":"454545XXXXXX1234","trans_date":"01\/12\/2022","post_date":"04\/12\/2022","debit_credit_flag":"D","response_code":"00","description":"","transaction_ref_number":"00","currency":"AED","amount":"210.00","source_currency":"AED","source_amount":"210.00","auth_code":"","merchant_id":"","merchant_category_code":"","merchant_name":"","merchant_address":"","merchant_city":"","merchant_country":"","merchant_category_group":"","trans_id":"","balance_type":"","source_number":"67009451","fx_rate":"1","group_idt":"fin-USD-C.STMT.DETAIL-D1286920-2024-12-20","group_amount":"75.00","group_dr_cr_flag":"D","group_is_first":"Y","group_nr_recs":"3","group_rnr":"1","tc_entry_role":"TRANS_BASE"}}}}}

{
    "NISrvResponse": {
        "response_get_card_transactions": {
            "header": {
                "msg_id": "236001",
                "msg_type": "ENQUIRY",
                "msg_function": "REP_GET_CARD_TRANSACTIONS",
                "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"
            },
            "body": {
                "card_identifier_id": "454545XXXXXX1234",
                "card_identifier_type": "EXID",
                "transaction_type": "authorized",
                "date_from": "2021-02-02T00:00:00.000Z",
                "date_to": "2021-10-02T00:00:00.000Z",
                "statement_period": "312",
                "no_of_transactions_returned": "019",
                "no_of_transactions_requested": "55",
                "requested_page_no": "55",
                "total_no_of_pages": "55",
                "condition_filter": "ECOM",
                "transaction": {
                    "card_identifier_type": "EXID",
                    "card_identifier_id": "454545XXXXXX1234",
                    "masked_pan": "454545XXXXXX1234",
                    "trans_date": "01\/12\/2022",
                    "post_date": "04\/12\/2022",
                    "debit_credit_flag": "D",
                    "response_code": "00",
                    "description": "",
                    "transaction_ref_number": "00",
                    "currency": "AED",
                    "amount": "210.00",
                    "source_currency": "AED",
                    "source_amount": "210.00",
                    "auth_code": "",
                    "merchant_id": "",
                    "merchant_category_code": "",
                    "merchant_name": "",
                    "merchant_address": "",
                    "merchant_city": "",
                    "merchant_country": "",
                    "merchant_category_group": "",
                    "trans_id": "",
                    "balance_type": "",
                    "source_number": "67009451",
                    "fx_rate": "1",
                    "group_idt": "fin-USD-C.STMT.DETAIL-D1286920-2024-12-20",
                    "group_amount": "75.00",
                    "group_dr_cr_flag": "D",
                    "group_is_first": "Y",
                    "group_nr_recs": "3",
                    "group_rnr": "1",
                    "tc_entry_role": "TRANS_BASE"
                }
            }
        }
    }
}

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

Debit Solutions

Credit Solutions

Overview

Activate prepaid 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 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)

LoanOnCall QuickCash(Post)

Switch Restrictions(Post)

Update Limits(Post)

Get Restrictions(Post)

Bulk Card Create(Post)

Bulk List Of Cards(Post)

Bulk Card Summary(Post)

Bulk Move Cards(Post)

OnlineEmbossing(Post)

Account Status Change(Post)

Switch MCC(Post)

Release Pending Authorization(Post)

Get MCC Controls(Post)

Get Account Transactions(Post)

Get Dictionaries MCC(Post)

Set FXRates(Post)

Get FXRates(Post)

Get Eligible Transactions(Post)

Refinance Transaction(Post)

Card Contact Details(Post)

Balance Conversion(Post)

Card SDM Details Enquiry(Post)

Get Card Transactions

Status:

Production

Version:

V2

Product:

Debit Solutions

Get Card Transactions

Overview

Transaction history retrieval

Date range filtering

Secure data transfer

How It Works

Process 1

Process 1

Process 1

Get Card Transactions

Status:

Production

Version:

V2

Product:

Debit Solutions

Header Request Parameters

Request Parameters