Card Use Cases

Stop a Card

A customer's card may be stopped by the customer, organisation or tenant. It should be stopped immediately if the card is assumed to be lost or stolen.

Prerequisites

  • Valid JWT
  • Card ID

Stop Card
Request to stop the card
Change the card status to “LOST, STOLEN, DAMAGED, COUNTERFEIT ”

PUT/eclipse-conductor/rest/v1/tenants/{tenantId}/cards/{cardId}

Unstop a Card

A customer's card may be Unstopped by the customer, organisation or tenant. It can’t be unstopped if the status is stolen or counterfeit.

Prerequisites

  • Valid JWT
  • Card ID

Step 1 – UnStop Card
Request to stop the card
Change the wallet status to “Active ”

MISSING CODE

Enable / Disable Card E-Commerce Transactions

A customer card may enable or disable e-commerce transactions (only if supported by the program)

Prerequisites

  • Valid JWT
  • Card ID

Enable / Disable E-commerce on Card
Request to enable/disable.
Change the ecommerceTransactionEnabled card rule to True / False

PUT /eclipse-conductor/rest/v1/tenants/{tenantId}/cards/{cardId}

Enable / Disable Card International Transactions

A customer's card may enable or disable international transactions (only if supported by the program).

Note: In South Africa, any international transactions must be reported against either an Organisation or Customer, not a Tenant.

Prerequisites

  • Valid JWT
  • Card IDS

Enable / Disable International
Request to enable/disable.
Change the internationalTransactionsEnabled card rule to True / False

PUT /eclipse-conductor/rest/v1/tenants/{tenantId}/cards/{cardId}

Do a Physical Card Replacement

To replace a card for a customer when required.

Prerequisites

  • If the card replacement is for a card that is still in an active state, you should stop the active card e.g. replace a card that is soon to expire.
  • Valid JWT

Create Card
Register and link the card using the Create Card
This refers to the following API in Swagger:

POST /eclipse-conductor/rest/v1/tenants/{tenantId}/customers/{customerId}/cards

You must populate one of the primaryPhysicalCardIdentifier fields with the replacement card details:packID, Pan or QR Code. You also need to specify the cardId of the card you are replacing.

Use the Wallet ID of the primary card (virtual card) wallet you wish to replace.

Do a Virtual Card Replacement

To replace a virtual card for a customer when required

Prerequisites

  • If the card replacement is for a card that is still in an active state, you should stop the active card. e.g. replace a card that is soon to expire.
  • Valid JWT

Create Card
Create the card using the Create Card
This refers to the following API in Swagger:

POST /eclipse-conductor/rest/v1/tenants/{tenantId}/customers/{customerId}/cards

You must NOT populate one of the primaryPhysicalCardIndentifier fields.

Use the Wallet ID of the primary card (virtual card) wallet you wish to link the replacement card to

Add On Card

Add on card is an additional card issued against a primary physical or virtual card. it's a form of secondary or supplementary card. The add-on card will have the same limits applied to the primary card.

Prerequisites

  • The user must need to ensure the card type before creating ADD_ON_CARD. The card type must match with existing card type (Physical or Virtual) and the card must be ACTIVE. Users can not create a Physical add-on card if the existing card is virtual.
  • Valid JWT

Physical Add-On Card Request Payload

{
  "cardRules": {
    "ecommerceTransactionsEnabled": true,
    "internationalTransactionsEnabled": true
  },
  "operationType": "ADDON_CARD",
  "physicalCardIdentifier": {
    "cardId": 347,
    "packId": "0PRG17USD0000028622",
    "pan": "2307660000148442"
  },
  "status": "ACTIVE",
  "walletId": 1089
}

Virtual Add-On Card Request Payload

{
  "cardRules": {
    "ecommerceTransactionsEnabled": true,
    "internationalTransactionsEnabled": true
  },
  "operationType": "ADDON_CARD",
  "status": "ACTIVE",
  "walletId": 1089
}
PUT /eclipse-conductor/rest/v1/tenants/{tenantId}/cards/{cardId}

Set/Change Card Access Password (CAP)

Prerequisites

  • A customer must be set up with a phone number and a card already created.
  • Valid JWT

For a user to view sensitive card details either a JWT issued to the user can be used from the IP address that is logged in, or a valid Card Access Password (CAP) should be passed with no JWT. There are 2 ways to set the CAP:

1. Generate random CAP

Make an API call to create a CAP for the user (only needed once per customer)

POST /eclipse-conductor/rest/v1/tenants/{tenantId}/customers/{customerId}/identities

Here you post the identity as simply "CAP" (Card access password), with no password field required.

{"identity":"CAP"}

Eclipse will generate a random 6-letter CAP and SMS it to the customer's phone number on the profile with some generic wording like "Your password to access your virtual card details is xxxxxx. Please keep it safe as you will need it whenever you look up your card details". If the customer already has a CAP then a new one will be generated.

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Note

On Sandbox the SMS will not be sent, but a generic password ‘cap123’ can be used.

2. Set CAP through the Captive Portal

If a user has the cardId, tenantId and customerId they can explicitly set the CAP using the following request.

GET {baseUrl}/card-ui/index.html?interactionType=createCap&userId={userId}&cardId=PcardId}&tenantId={tenantId}&landingURL={URL}

e.g. in sandbox:
GET https://eclipse-java-sandbox.ukheshe.rocks/card-ui/index.html?interactionType=createCap&userId={userId}&cardId={cardId}&tenantId={tenantId}&landingURL={URL}

Upon accessing the provided URL, users will receive an OTP on their registered mobile number. The user is then prompted to enter both a new CAP and the received OTP. If the entered OTP is valid, the CAP will be successfully set. However, in the case of an invalid OTP, the user will encounter an error.

3. Reset the CAP Password through the Captive Portal

If a user has the cardId, tenantId, customerId and a CAP, they can reset the CAP password using the following request.

GET {baseUrl}/card-ui/index.html?interactionType=resetCap&tenantId={tenantId}&userId={userId}&cardId={cardId}&landingURL={URL}

e.g. in sandbox:
GET https://eclipse-java-sandbox.ukheshe.rocks/card-ui/index.html?interactionType=resetCap&tenantId={tenantId}&userId={userId}&cardId={cardId}&landingURL={URL}

When a user accesses the provided URL, a confirmation prompt will be presented. Subsequently, the user will receive a One-Time Password (OTP) on their registered mobile number. To proceed, the user is required to input both the received OTP and a new CAP. If the entered OTP is valid, the CAP will be successfully reset. However, if the OTP is invalid, an error message will be displayed to the user.

📘

Note

landingUrl: Navigation Endpoint

Specify the landing URL to direct the customer upon completion of the process, considering breakout points in all mentioned captive portal journeys, including options like "Cancel and go back" and "Done."

The landing URL can also be configured as &landingURL without a redirect URL. This configuration unlocks all available options within the journey.

Retrieve Card Details for Customer

There are 3 ways in which sensitive card details can be retrieved:

  1. Card details can be retrieved directly if the call is made with the end user JWT and from the IP address of the logged-in device
  2. Card details can be retrieved directly if the call is made without a JWT, but a Card Access Password (CAP) is provided and the call is made from the IP address of the logged-in device the details can be retrieved
  3. Card details can be retrieved through a captive web portal if a Card Access Password (CAP) is provided

1. Retrieve Card Details for Customer (API)

Prerequisites

  • A customer must be set up, with a card already created. Have a cardId ready.
  • The JWT of the customer
  • API Call originating from the IP address of the logged-in device

Step 1 - Retrieve Card details
The user gets their card details from the app using the user JWT:

GET /eclipse-conductor/rest/v1/tenants/{tenantId}/cards/{cardId}?masked=false

2. Retrieve Card Details for Customers with CAP (API)

Ability to retrieve full card details for a customer.

Prerequisites

  • A customer must be set up, with a card already created. Have a cardId ready.
  • API Call originating from the IP address of the logged-in device

Step 1 – Create a CAP (Card Access Password)

Step 2 - User enters CAP, then Retrieve Card
The user gets their card details from the app without needing a JWT but the app asks them to enter the CAP they received by SMS to access their card details:

GET /eclipse-conductor/rest/v1/tenants/{tenantId}/cards/{cardId}?masked=false&cap=xxxxxx

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Note

The call to get unmasked card details must come directly from the customers personal device. It must not be made from the tenant's backend unless the backend is PCI/DSS compliant.

3. Retrieve Card Details for Customers (Captive Portal Flow)

Step 1 – Create a CAP (Card Access Password)

Step 2 – View Card

  • Prerequisites
  • tenantId
  • userId
  • cardId
  • CAP

Users can view his/her card using the following request.

GET /card-ui/index.html?interactionType=viewVirtualCard&tenantId={tenantId}&userId={userId}&cardId={cardId}&landingURL={URL}

e.g. GET https://eclipse-java-sandbox.ukheshe.rocks/card-ui/index.html?interactionType=viewVirtualCard&tenantId={tenantId}&userId={userId}&cardId={cardId}&landingURL={URL}

Users need to enter the above URL in the browser then enter the valid CAP and the card data will be displayed.

Add On and Supplementary Cards

  1. Add-on Card
  2. Supplementary Card

Add-on and supplementary cards are additional cards issued against primary physical or virtual cards and form a secondary or supplementary card to each wallet.

Add-on and supplementary cards will have the same limits applied as the primary card.

Add-on Card
An add-on card is used to issue an additional card that is linked to the primary cardholder's wallet but must be associated with a different cardholder.

In the API request, the new cardholder Customer ID and the primary device Wallet ID are required. If it is a physical card, the new PackID or QR is also required.

Supplementary Physical Card to a Virtual Wallet
A supplementary card is an additional card, linked to the same wallet and primary cardholder. i.e. the same cardholder information as the primary card.

When requesting a supplementary card, the Wallet ID of the primary card is required and is used in the linking of the two (primary and supplementary) cards. If the supplementary card is a physical card, the PackID or QR code needs to be included in the API request.

658

Add on Card

All Debit Programs and all programs issuing supplementary cards should have the following two attributes configured on the card wallet type

SubProgramCodeForPhysicalCard = PTS Physical Card Device Plan Code
SubProgramCodeForVirtualCard = PTS VCN Device Plan Code

Add On Cards

Prerequisites

  • The primary card must be Active.
  • The secondary cardholder must be registered in Eclipse as an active user and passed KYC
  • Valid JWT
POST https://eclipse-java-sandbox.ukheshe.rocks/eclipse-conductor/rest/v1/tenants/{tenantId}/customers/{customerId}/cards

Supplementary Cards

Prerequisites

  • The primary card must be Active.
  • Valid JWT
  • Physical Add On Card Request Payload
POST https://eclipse-java-sandbox.ukheshe.rocks/eclipse-conductor/rest/v1/tenants/{tenantId}/wallets/{walletId}/cards

When a Wallet is locked, all associated cards, Supplementary cards and Add-On cards are stopped. If the wallet is then unlocked, all the associated cards remain locked and must be individually unlocked, to avoid the unlocking of a card that may need to remain locked.

Physical Card PIN Set/Change

To set or change a PIN on a Physical Card.

Prerequisites

  • A valid JWT
  • A card issued to a customer
  • The CardID of the card is set

The customer must be authenticated before setting or changing a PIN.

PCI-compliant tenants

PCI-compliant tenants can set card pins directly using either of these APIs - the pin is explicitly set in the request body:

PUT /eclipse-conductor/rest/v1/tenants/{tenantId}/cards/{cardId}
POST /eclipse-conductor/rest/v1/tenants/{tenantId}/cards/{cardId}/pin-sets

Non-PCI-compliant tenants

For non-PCI-compliant tenants, the pin-sets API can be used in 2 ways:

SMS: If pinDeliveryMechanism is set to SMS in the request body and no pin is provided then Eclipse will randomly generate a 4-digit pin and SMS it to the phone number present on the customer profile.

LINK: If pinDeliveryMechanism is set to LINK in the request body then Eclipse will return a captive portal link in the completionUrl field of the response. Tenants can present this URL in a webview for customers to enter their pin in a captive portal that is part of the Eclipse PCI-compliant environment. In this scenario the customer needs to input their Card Access Password (CAP); for details on setting the CAP see Retrieve Card Details for Customer.

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Note

If a CAP is required in the sandbox environment the SMS will not be sent, but a generic password ‘cap123’ can be used.

There may be additional out of band requirements to authenticate the customer, depending on the program configuration.

Physical Card PIN Counter Reset

To reset a Card PIN counter if it has previously been exceeded.

Prerequisites

  • Valid JWT
  • CardID
  • The customer must have been thoroughly authenticated before allowing a PIN change request.

Step 1 – Reset PIN
Allow the tenant to reset their card PIN

PUT /eclipse-conductor/rest/v1/tenants/{tenantId}/cards/{cardId}

Pass a 0 in pinRetryCounter to reset the counter

Note, that there may be additional out-of-band requirements to authenticate the customer, depending on the program configuration

Card-on-File Management

Card-on-file is when a business securely stores its customer’s card payment details, with the cardholder’s consent. Payment data storage comes along with PCI-DSS considerations and therefore businesses that would like to leverage card-on-file need to be compliant.

The cardholder can then reuse the securely stored card details for future payments (e.g. wallet top-ups in the context of Eclipse) thereby having a seamless checkout experience.

Eclipse provides the following options (which are PCI-DSS compliant) for card-on-file management:

  1. Add a card on file directly - specify the card details in the API call.
  2. Add a card on file but use a captive portal - specify callback URL in the API call - tenant system does not need to be PCI compliant.
  3. Add a card on file as part of a top-up - directly (same as (1))
  4. Add a card on file as part of a top-up - using the captive portal (same as (2))

1. Add Card Details Directly

This method allows users to save their card details by capturing the following information:

  • Alias
  • CardData (pan, CVV, expiry)

Prerequisites

  • Valid JWT with access to read the wallet.
  • The tenant must be PCI compliant.
POST /eclipse-conductor/rest/v1/tenants/{tenantId}/customers/{customerId}/cards-on-file
{
     "cardData": {
          "cvv": "562",
          "pan": "4242424242424242",
          "expiry": "0536",
          "cardholderName": "Mikel Arteta"
     },
     "alias": "Card-42"
}
{
  "cardOnFileId": "590f63a8-909f-4c67-88f8-2a21986789e4"
}

Refer to the Initiate Adding A Card On File documentation for full details.

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NB

The selected tenant must be end-end PCI-DSS compliant to pass card data directly.

2. Add a card on file via the captive portal

The second alternative method for storing card payment details is to pass a callback URL on the endpoint below. With this option, you don't need to populate any of the card details but only the callback URL to the captive portal.

When the request is sent, the system will return a completion URL (as shown in the sample JSON response below) which can be navigated to - you need to iFrame navigate to this URL to populate the card details i.e. PAN, CVV & expiry date.

Prerequisites

  • Valid JWT with access to read the wallet.
POST /eclipse-conductor/rest/v1/tenants/{tenantId}/customers/{customerId}/cards-on-file
{
     "alias": "demo",
     "callbackUrl": "http://google.com"
}
{
  "completionUrl": "https://eclipse-java-sandbox.ukheshe.rocks/t/c6wJ8",
  "cardOnFileId": "edb452d3-a47b-4e5c-880d-3fe84c5b1649"
}

Refer to the screenshot below showing an example of a captive UI screen where users can capture their card details.

3. Add a card on file as part of a top-up

The user-provided card details will be saved for use in future transactions that is after a successful wallet top-up by card transaction. This approach follows the same process flow as outlined in the first option i.e. add card details directly.

Prerequisites

  • Valid JWT with access to read the wallet.
  • wallet ID.
POST /eclipse-conductor/rest/v1/tenants/{tenantId}/wallets/{walletId}/topups
{
     "topupCardData": {
          "expiry": "1125",
          "pan": "4242424242424242",
          "cardholderName": "CLAYT",
          "accountType": "Debit",
          "cvv": "123"
     },
     "amount": 500,
     "externalUniqueId": "ref890889",
     "type": "ZA_MASTERPASS_CARD"
}

5. Get a Card on file with a Cryptogram

Cryptogram value will be provided when get card of file Api will be used with Query parameter fields=cryptogram.

Prerequisites

  • Valid JWT with access to read the wallet.
  • Tenant ID
  • Customer ID
  • Card on file ID
  • Query parameter (fields=cryptogram)
GET: /eclipse-conductor/rest/v1/tenants/{tenantId}/customers/{customerId}/cards-on-file/{card-on-file-id
{
  "alias": "zttydgbovO",
  "cardOnFileId": "16174808-15a7-4c9e-886d-9d84584cfb02",
  "last4Digits": "2999",
  "expires": "2025-12-01T00:00:00.000Z",
  "status": "ACTIVE",
  "schemeTokenType": "VISA",
  "schemeToken": "17f551c1cbgyuhhjc143ab1f7425bcd002",
  "schemeTokenStatus": "ACTIVE",
  "cardArtUrl": "https://cardsonfile-content-public.s3-eu-west-1.amazonaws.com/22af01f2bdf445e497895d502dd1f1ae-digitalCardArt.pdf",
  "bin": "489537",
  "cryptogram": "AwAAAAAAPuEtjg4Am00eAtgqsAAAA="
}

Customization of Eclipse Hosted and Captive Portal UI

Eclipse offers hosted pages for a number of scenarios:

  • Card viewing and card management in a captive portal within the Eclipse PCI environment. This caters for the scenario where tenants are not PCI compliant and therefore can not serve this sensitive data.
  • Hosted checkout for easy e-commerce integration.
  • Hosted AWS Liveness for easy integration of AWS liveness into a tenants KYC process.

For all of these hosted pages the user interface can be customised according to a tenant's logo & colour scheme. This customization can be implemented by configuring a global property for the tenant.

Prerequisites

The following parameters can be configured:

PropertyProperty Value
Property namepublic.tenant.{tenant ID}
tenantNamexxxxxx
merchantNamexxxxxx
titlexxxxxx
capLabelLabel when setting CAP - e.g. 4-digit passcode
capDigitNumber of digits for CAP - e.g. 4
isCapNumOnlyAllow only numbers for CAP - e.g. true
paymentTypePayment types for Hosted checkout - e.g. mastercard,ozow,pnpcash
primaryBackgroundColour#FFFFFF (Colour)
primaryColour#0083C2 (Colour)
primaryTextColour#FFFFFF (Colour)
primaryButtonColour#0083C2 (Colour)
secondaryColor#FFFFFF (Colour)
primaryButtonTextColour#FFFFFF (Colour)
secondaryButtonColourtransparent
secondaryButtonTextColour#0083C2 (Colour)
buttonDisabledColor#FFFFFF (Colour)
alignmentOfCardHorizontalhorizontal
inputRadius100px
borderRadius5px
mobileNumberRegex
bankEFTAccountNumber
pnpInstructionSMSTemplateId
pnpDepositRangeRange of accepted values for PnP payments - .e.g. 50-3000
pnpAmountRoundingLogic for rounding PnP payments to whole numbers - default HALF_UP
errorCodesSandbox - public.tenant.card-payments-pwa-sandbox.ukheshe.rocks.errorcodes

Production - public.tenant.card-payments-pwa.ukheshe.co.za.errorcodes
imageBase64data:image/png;base64 (Logo is added to an image to Base64 convert)
virtualCardTemplateBase64data:image/png;base64 (Logo is added to an image to Base64 convert)
successIconBase64data:image/png;base64 (Logo is added to an image to Base64 convert)
lockIconBase64data:image/png;base64 (Logo is added to an image to Base64 convert)
cardCSSpublic.tenant.{tenantID}.card.css - this defines the CSS for displaying custom cards

Example cardCSS public property: public.tenant.{tenantID}.card.css:

{
"alignmentOfCardHorizontal": "true",
"cardBackground": {
    "backgroundImage": 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)",
    "height": "191px",
    "width": "300px",
    "borderRadius": "8px",
    "backgroundSize": "cover"
  },
  "gridCardNumber": {
    "letterSpacing": "3px",
    "display": "flex",
    "gap": "8px",
    "marginLeft": "4%",
    "marginTop": "26%"
  },
  "gridValidThru": {
    "display": "flex",
    "gap": "4px",
    "marginTop": "8%",
    "marginLeft": "6%"
  },
  "gridCvv": {
    "display": "flex",
    "gap": "4px",
    "marginTop": "-8.7%",
    "marginLeft": "34%"
  },
   "typoCardNumber": {
    "fontSize": "12px",
    "fontWeight": "500",
    "padding": "0px 6px",
    "border": "1pxsolid",
    "borderRadius": "2px",
    "color": "#ffffff",
	"cursor":"pointer"
  },
  "copyDivStyle": {
    "display": "flex",
    "justifyContent": "center",
    "alignItems": "center"
  },
    "typoValidThruAndCvv": {
    "fontSize": "10px",
    "fontWeight": "500",
    "padding": "0px 6px",
    "border": "1pxsolid",
    "borderRadius": "2px",
    "color": "#ffffff",
	"cursor":"pointer"
  }
}

Cancel Prepaid Wallet(Card Wallet)

If we close/cancel the wallet of the card, all the associate cards of that wallet (primary, supplementary or add-on card) will be cancelled automatically. Cancelling a card wallet is a little different than cancelling a card. If we only cancel/stop the card (primary, supplementary or add-on) it will only cancel that particular card but the other cards associated with that wallet will remain unchanged.

Customers can only cancel a card wallet if it has zero balance. We recommend that customers should transfer the entire amount from the card wallet to the digital wallet before cancelling the card wallet.

Prerequisites

  • The card wallet available balance should be zero.
  • Valid JWT

Step 1 – Cancel the card wallet

PUT /eclipse-conductor/rest/v1/tenants/{tenantId}/wallets/{walletId}

Configure Reservation Wallet for PTS

PTS does not support reserving funds against card wallets. To allow tenants to reserve funds on PTS wallets using the normal reservation APIs, Eclipse can be configured with a special reservation wallet that acts as a suspense account: when a reservation is made on a PTS card wallet the funds are transferred and held in this special reservation card wallet.

The following needs to be set to support reservations on a PTS card wallet:

  1. A customer must be created (e.g. named Reservation Card) and a card wallet provisioned against this customer
  2. Tenant config reservationWalletId must be set to the wallet ID of this card wallet

📘

Note

If there are fees or minimum balances configured on PTS card wallets these must be catered for on the reservation card wallet - in certain cases a float may need to be loaded onto the reservation card wallet.

MCC and MID logic to deny or allow transactions

A common requirement for card payment processing is to be able to deny or allow transactions based on Merchant Category Code (MCC) and Merchant ID access and deny lists. Eclipse supports a wide degree of flexibility in configuring this behaviour so tenants have fine-tuned control over their transactions.

The following wallet-type attributes determine the logic to deny or access a card transaction:

AttributeDescription
mcc.whitelista white list of approved merchant category codes.
mcc.blacklista blacklist of merchant category codes that should be denied. A common example here is denying gambling-related transactions.
mcc.whitelistRegexA white list regular expression of approved merchant category codes.
mcc.blacklistRegexA blacklist regular expression of merchant category codes that should be denied.
mid.whitelistA white list of approved merchant IDs.
mid.blacklistA blacklist of merchant IDs that should be denied.
mid.whitelistRegexA white list regular expression of approved merchant IDs.
mid.blacklistRegexA blacklist regular expression of merchant IDs that should be denied.

Typically customers will have different logic they want to apply, for example:

  • Allow everything unless present on a blacklist
  • Deny everything unless present on a whitelist
  • Allow everything unless present on a blacklist and then the whitelist can override the blacklist
  • Deny everything unless present on a whitelist and then the blacklist can override the whitelist

To cater for this wide range of logic tenants can apply different logic by setting the wallet type attribute: mcc.mid.logic. This refers to a global property mcc.mid.logic.{logic_name} e.g. if mcc.mid.logic=Simple then global property mcc.mid.logic.Simple will be used. These properties define Javassist which determines whether or not the transaction should be allowed.

Below is simple example logic that allows everything unless present on a blacklist. This would typically be the default behaviour with a MccBlacklist defined with MCC 7995 (Gambling) blacklisted.

public boolean isAllowed(String mcc, String mid,
            Boolean inMccWhitelist, Boolean inMccBlacklist,
            Boolean inMidWhitelist, Boolean inMidBlacklist,
            Boolean matchesMccWhitelistRegex, Boolean matchesMccBlacklistRegex,
            Boolean matchesMidWhitelistRegex, Boolean matchesMidBlacklistRegex) {

        return (inMccBlacklist == null || Boolean.FALSE.equals(inMccBlacklist)) && (inMidBlacklist == null || Boolean.FALSE.equals(inMidBlacklist));
    }

Below is an example logic that denies everything unless present on a whitelist and then the blacklist can override the whitelist (if no whitelists present then the transaction is allowed). This would typically cover the gift card or industry card (e.g. fuel) use cases.

public boolean complexBlacklistsPriorityOverWhitelists(String mcc, String mid,
            Boolean inMccWhitelist, Boolean inMccBlacklist,
            Boolean inMidWhitelist, Boolean inMidBlacklist,
            Boolean matchesMccWhitelistRegex, Boolean matchesMccBlacklistRegex,
            Boolean matchesMidWhitelistRegex, Boolean matchesMidBlacklistRegex) {

        if (Boolean.TRUE.equals(inMccBlacklist) || Boolean.TRUE.equals(inMidBlacklist)) return false;  //present in either blacklist 
        if (Boolean.TRUE.equals(inMccWhitelist) || Boolean.TRUE.equals(inMidWhitelist)) return true;  //present in either whitelist 
        if (inMccWhitelist == null && inMidWhitelist == null) return true;    //no whitelists
        return false;
}

Debit Card specific Wallet Type and Wallet configurations

Ukheshe issued debit cards have a wide range of customisation settings that can be applied at a global wallet type level as well as an individual wallet instance level allowing customers to selectively customise their card experience. The following settings can be customised:

AttributesDescription
allowInternationalTransactionsControls whether international transactions are allowed on the card. True or false.
internationalMarkUpFeesAdditional fee charged for international card transactions
contactlessLimitThe limit under which contactless or tap transactions are enabled. By default this is set to 500. To disable contactless transactions this can be set to 0.
SubProgramCodeForVirtualCardPostilion program card for issued virtual cards
SubProgramCodeForPhysicalCardPostilion program card for issued physical cards

Fee and limit specific configs

Fees and limits can be configured for a range of transaction types:

  • pur: Purchase
  • cwd: ATM
  • pra: Pre-Auth
  • pwc: Purchase with Cashback
  • chb: Cashback
  • cad: Cash Advanced
AttributesDescription
fees.amount.config.{transaction_type}.{domestic/international}Fees charged for different transaction types and for domestic and international transactions
{transaction_type}.{domestic/international}.debitCardMonthlyTransactionLimitMonthly transaction limit per transaction type
{transaction_type}.{domestic/international}.debitCardPerTransactionLimitPer transaction limit per transaction type
{transaction_type}.{domestic/international}.debitCardDailyTransactionLimitDaily transaction limit per transaction type
{transaction_type}.{domestic/international}.debitCardDailyTransactionVelocityLimitDaily velocity limit per transaction type

Card Tokenisation

Card tokenisation is the process of replacing a card’s primary account number (PAN) with a unique alternate card number, or "token". Tokens can be used for mobile point-of-sale transactions, in-app purchases or online purchases.

Tokenisation reduces fraud related to digital payments by making transactions more secure by including a dynamic component with each transaction. It takes the security of a physical EMV chip and applies it to non-card environments including proximity, mobile and internet payments.

Merchants benefit from more secure transactions, as well as faster checkout experiences, new payment acceptance options and more ways to sell.

Eclipse supports the following methods of tokenisation:

  • Eclipse proprietary tokenisation - when storing a card on file, the PAN is stored and referenced using a unique card on file ID
  • Visa Token Service (VTS) - this utilises Visa's tokenisation service to tokenise Visa cards
  • Mastercard Digital Enablement Service (MDES) - this utilises Mastercard's tokenisation service to tokenise Mastercard cards

Card schemes encourage the use of scheme tokenisation and some services, for example Visa QR payments, mandate that scheme tokenisation (Visa or Mastercard) be used for transactions.

How does it work?

When storing a card on file:

  1. Eclipse will generate a unique card on file ID - this is Eclipse proprietary tokenisation
  2. If scheme tokenisation is enabled on the tenant the scheme token provider is called to request a scheme token
  3. The returned token is securely stored as part of the card on file metadata on Eclipse
  4. Eclipse returns the card on file ID as well as the scheme reference to the tenant

When initiating a payment with a tokenised card:

  1. Tenant initiates payment and passes in the Eclipse card on file ID of tokenised card
  2. Eclipse uses the stored scheme token to request a cryptogram from the scheme token provider
  3. Eclipse processes the payment using the scheme token and cryptogram response - this step is dependent on the payment type - e.g. card processing, QR acquiring, etc.
  4. Ultimately the acquiring bank calls the scheme token provider to detokenise the scheme token for the payment

Pre-requisites:

  • Tenant config enableVisaTokenization set to true to enable Visa Token Services
  • Tenant config enableMastercardTokenization set to true to enable Mastercard Digital Enablement Services
  • Tenant config m4mTokenizationAuthenticationValue set
  • Tenant config vtsClientAppID set

For example API calls to store a card on file please refer to the card on file management section.

For example API calls to initiate a payment using a a tokenised card refer to the card specific payment use cases e.g. Payment of EMVCO QR.