Debt payment
Take a payment against card debt, check a card is eligible to be paid down, and cancel a payment that should not have run.
Where this is used
Implemented on 2 programmes. A capability is one business idea, built once per card programme, so these are the programmes it applies to.
- 6 operationsCredit Digital Channels Integration APIOpen this capability’s operations in the reference.
- 1 operationsCommon MethodsOpen this capability’s operations in the reference.
Journeys that walk through it
How this behaves
Which transaction code a payment is written under is searched for
It is not a field you set. The service resolves it from the channel payment matrix in four steps, and a value it does not recognise does not fail — it falls through to the next one.
- A resource code of
0,1,2or3selects the row for that code. - Anything else: the row whose resource code is empty.
- No such row: the channel's first row.
- No rows at all: a built-in default.
It is left-padded with zeros to three characters, so 1 is looked up as 001. Send the code as the catalogue spells it and this never arises — the codes are in Channels.
The notification is narrower than it looks
A payment SMS is sent only when the channel is the batch channel. On every other channel the notification call is not made at all — that is a condition in the code, not a missing configuration.
Even there it is wrapped: a failed send is logged as a warning and the payment stands. A missing SMS never means a missing payment.
If the shadow card number is omitted the clear card number is resolved to one through the customer service first, so either identifier works.
Operations
credit-digital-channels-integration
/credit/api/checkCreditCardForDebtPayment
Checks if a card is eligible for debt payment operations.
POST/credit/api/doCreditCardDebtPayment
Executes a payment toward credit card debt.
POST/credit/api/cancelCreditCardDebtPayment
Cancels a pending debt payment.
POST/credit/api/getCancelableCreditCardDebtPaymentList
Retrieves list of payments that can be cancelled.
POST/credit/api/saveCreditCardAutoPaymentOrder
Creates or updates an automatic payment order.
POST/credit/api/getCreditCardAutoPaymentOrder
Retrieves existing auto payment order configuration.
integration-corebanking-outdoor · not published
/Outdoor/api/makePayment
Sends a payment to core banking