Debit Solutions

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.

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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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit 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 : Debit Solutions
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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.

Status :Production
Version :V2
Product : Debit Solutions
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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.

Status :Production
Version :V2
Product : Debit Solutions
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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.

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

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

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

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

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

This API allows fetching the customer contact details.

Status :Production
Version :V2
Product : Debit Solutions
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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.

Status :Production
Version :V2
Product : Debit Solutions
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Balance Conversion

Status:

Production

Version:

V2

Product:

Debit Solutions

Balance Conversion

Overview

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.

Flexible Payment Structure Transfer

Enables seamless conversion of outstanding balances between different payment plan types (IPP to Retail), allowing financial institutions to optimize customer payment arrangements.

Customizable Installment Parameters

Supports extensive configuration options including interest rates, grace periods, fee waivers, and ad-hoc fee definitions to tailor the conversion to specific customer needs.

Priority-Based Fund Allocation

Implements a systematic allocation mechanism that follows a predefined priority sequence (BIL_PREV, BIL_LAST, CUR) to ensure proper distribution of converted funds.

Comprehensive Transaction Tracking

Provides detailed transaction references and tracking IDs throughout the process, enabling complete audit trails and reconciliation capabilities.

How It Works

The API receives the conversion request with card and amount details, transfers funds from IPP to Retail accounts following predefined allocation rules, applies any override parameters (fees, interest rates), and returns a confirmation response with transaction status.

https://api-sandbox.network.global

Balance Conversion

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Status:

Production

Version:

V2

Product:

Debit Solutions
/SB/BnplServices/Transaction/V2/BalanceConversion
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_balance_conversionheadermsg_id* requiredstring12The msg_id sent in the request will be sent back in response in this field
msg_type* requiredstring12Message Type – This can have either “TRANSACTION†or “ENQUIRY†As for this API the value expected is “TRANSACTIONâ€
msg_function* requiredstring50Static Value - REQ_CARD_BALANCE_CONVERSION
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
tracking_idstring15Transaction Tracking Id
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 “NICâ€
bodycard_identifier_id* requiredstring32454545XXXXXX1234
card_identifier_type* requiredstring20CONTRACT_NUMBER is used for clear card number or EXID which is a unique identifier for the card generated by CMS
currency* requiredstring3Currency
amount* requiredstring18Amount
instalment_descriptionstring255Description
transaction_ref_number* requiredstring12Transaction Reference Number
plan_number* requiredstring5Plan number used for conversion
optionskey* requiredstring20custom key
value* requiredstring128custom value
override_optionswaive_feestring1Processing Fee Waiver
ad-hoc_fee_typestring1Ad-hoc Fee type: P - percentage, F - fixed
ad-hoc_feestring18Ad-hoc Fee value: the number will be treated as percentage or amount, depending on the AH_FEE_TYPE
interest_ratestring3Instalment fee rate
portion_amountstring18Desired maximum amount on the portion
number_of_portionsstring4Number of portions
grace_periodstring3Number of cycles to shift before billing the first portion.
free_period_numberstring3Number of portions to apply zero fee rate to. The period starts with the first portion.

{
    "NISrvRequest": {
        "request_balance_conversion": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "REQ_CARD_BALANCE_CONVERSION",
                "src_application": "IVR",
                "target_application": "CMS",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "tracking_id": "236001",
                "bank_id": "NIC"
            },
            "body": {
                "card_identifier_id": "99984100148297467162",
                "card_identifier_type": "EXID/CONTRACT_NUMBER",
                "currency": "AED",
                "amount": "3000.00",
                "instalment_description": "Balance Conversion",
                "transaction_ref_number": "11100521",
                "plan_number": "00166",
                "options": [
                    {
                        "key": "BOOK_TYPE",
                        "value": "SR02"
                    }
                ],
                "override_options": [
                    {
                        "waive_fee": "Y",
                        "ad-hoc_fee_type": "F",
                        "ad-hoc_fee": "25.26",
                        "interest_rate": "15.45",
                        "portion_amount": "50000.0",
                        "number_of_portions": "",
                        "grace_period": "1",
                        "free_period_number": "1"
                    }
                ]
            }
        }
    }
}

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

Node TypeTypeLengthDescription
NISrvResponseresponse_balance_conversionheadermsg_id* requiredstring12Unique Source Message ID eg ada123456fdsf
msg_type* requiredstring12Message Type – This can have either “TRANSACTION†or “ENQUIRY†As for this API the value expected is “TRANSACTIONâ€
msg_function* requiredstring50Default REP_CARD_BALANCE_CONVERSION
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
tracking_idstring15Transaction Tracking Id
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 “NICâ€
exception_detailsapplication_name* requiredstring20Application Name
date_time* requiredstring30Timestamp of the response Format “YYYY-MM-DD HH:MM:SSâ€
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_balance_conversion": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "REP_CARD_BALANCE_CONVERSION",
                "src_application": "IVR",
                "tracking_id": "236001",
                "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