Prepaid Solutions
Overview
With our prepaid solution, you can extend prepaid products to customers without constraints such as credit rating, income, or bank account ownership. The solution includes issuer, branch, corporate, or cardholder web-based portals, enabling effortless sales, maintenance, load, and card or customer lifecycle management. These features empower non-banked customers to manage their finances like seasoned professionals, making financial management more accessible and straightforward.
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.
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.
Switch MCC
Status:
Production
Version:
V2
Product:
Prepaid 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.
Switch MCC
Status:
Production
Version:
V2
Product:
Prepaid Solutions
Node | Child Node | Type | Length | Description |
---|---|---|---|---|
Authorization | Bearer xxxx | string | Authorization Header (Bearer Token) | |
Content-Type | application/json | string | Content Type |
Node Type | Type | Length | Description | |||||||
---|---|---|---|---|---|---|---|---|---|---|
NISrvRequest | request_enable_disable_mcc | header | msg_id | 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 | string | 12 | Message Type – This can have either “TRANSACTION” or “ENQUIRY” As for this API the value expected is “TRANSACTION” | |||||||
msg_function | string | 50 | Message functions: Should be “REQ_ENABLE_DISABLE_MCC” | |||||||
src_application | 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 | 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 | 30 | Timestamp of the request - Format YYYY-MM-DDtHH:MM:SS.SSS+04:00 | |||||||
bank_id | 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 | string | 32 | Card Identifer ID | ||||||
card_identifier_type | string | 20 | CONTRACT_NUMBER is used for clear card number or EXID which is a unique identifier for the card generated by CMS | |||||||
mcc_allowed_group_list | code | string | 30 | By specifying this array of codes, only the designated MCC groups will be permitted, while all others will be restricted | ||||||
mcc_blocked_group_list | code | string | 30 | By specifying this array of codes, only the designated MCC groups will be restricted, while all others will be permitted | ||||||
mcc_allowed_code_list | code | string | 30 | By specifying this array of codes, only the designated MCC codes will be permitted, while all others will be restricted | ||||||
mcc_block_code_list | code | string | 30 | By 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-Type | application/json | string | Content Type |
Node Type | Type | Length | Description | |||||||
---|---|---|---|---|---|---|---|---|---|---|
NISrvResponse | response_enable_disable_mcc | header | msg_id | 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 | string | 12 | Message Type – This can have either “TRANSACTION” or “ENQUIRY” As for this API the value expected is “TRANSACTION ” | |||||||
msg_function | string | 50 | Message functions: Should be “REP_ENABLE_DISABLE_MCC” | |||||||
src_application | 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 | 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 | 30 | Timestamp of the response - Format YYYY-MM-DDtHH:MM:SS.SSS+04:00 | |||||||
bank_id | 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 | string | 20 | Application Name | ||||||
date_time | string | 30 | Timestamp of the response Format “YYYY-MM-DD HH:MM:SS” | |||||||
status | string | 1 | Status of the request (S/F) | |||||||
error_code | string | 4 | EAI Internal Error Code (Check error codes section for the complete list of error codes and error code descriptions) | |||||||
error_description | 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. |
{
"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 |
---|---|
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 |