Cash advance
Draw cash against a credit line, and cancel an advance before it settles.
Where this is used
Implemented on one programme. A capability is one business idea, built once per card programme, so these are the programmes it applies to.
Journeys that walk through it
How this behaves
The quote and the withdrawal are two different calls
The enquiry writes nothing: it asks the authorisation service for the fee and the interest rate, then computes the taxed total here. The withdrawal does not repeat that computation — what settles is what the authorisation service returns.
| In the quote | How it is produced |
|---|---|
| Fee, rate, amount | From the authorisation service |
| Interest | amount × rate × period ÷ (30 × 100), and the period is fixed at 30 days |
| Taxes | Two legal rates, chosen by whether the card's product segment marks it commercial |
| Two totals | The service's own, and this one with interest and taxes added. They are not the same number — decide which your screen shows |
- Available limitCash is its own limitLocal and foreign held apart
- getCashAdvanceInfoFee, rate, two totalsWrites nothing
- doCashAdvanceAuthorised downstreamA refusal is a 400
- Keep the idsReversal and dispute need them
If the card cannot be read, the tax computation is skipped and the fields come back as zeros — no error is raised. Zero cost and "no such card" look identical, so confirm the card before trusting a free quote. The withdrawal has no such silence: a refusal from the authorisation service is raised as a business failure.
When the authorisation service refuses, the failure is raised carrying that service's own reason code as the errorCode, and its own text as the message. It is not one of the numbered codes this API defines and it is in no catalogue on this portal, so a client cannot branch on a known value for this one operation — the reason text is what there is.
Keep the transaction id and the retrieval reference the withdrawal returns. Reversal, dispute and reconciliation are all keyed by them.
Operations
credit-digital-channels-integration
/credit/api/getCashAdvanceInfo
Retrieves cash advance fee and rate information for a requested amount.
POST/credit/api/doCashAdvance
Executes a cash advance transaction.
POST/credit/api/reverseCashAdvance
Reverses a cash advance transaction.
POST/credit/api/getCancelableCashAdvanceList
Retrieves a list of cancellable cash advances for a given shadow card number, including transaction details and card master information.