Key terms

The vocabulary

69 terms in 6 groups — the platform's own field names alongside the industry words they sit next to. Everything a reader needs to read an operation page without a second tab.

Platform identifiers

shadowCardNumber: string(16)Bank-internal unique card reference issued by Everest at card creation. The primary key for every card operation; the clear PAN is never exchanged after issuance.e.g. 9915000012345678
cardRefNumber: string(11)Card reference grouping a main card with its supplementary and virtual cards; used for roll-up queries and family-wide limit operations.e.g. CR000812345
customerNumber: integer(int64)Customer identifier from your core banking system, registered with Everest during onboarding.e.g. 10087654
productNumber: string(6)Card product code from product management. Determines scheme, currency, fees, limits and design.e.g. CCPLT1
utid: string(17)Unique Transaction ID returned by every financial operation; the handle for reversal, installment conversion, statements and disputes.e.g. UT2026080312345
referenceNumber: string(≤32)Your idempotency key. Retrying with the same reference returns the original result instead of double-posting (TRN003 on misuse).e.g. MOB-20260803-0001
clientReferenceNumber: integer(int64)Numeric client reference on payment and cancellation legs for reconciliation with your ledger.e.g. 82736451
channelId: string(3)Originating channel code driving channel-level limits, audit and statement narratives.e.g. MOB
statementId: integer(int64)Identifier of one statement period for a card.e.g. 99120
caseId: string(15)Dispute case identifier used for documents, tracking and withdrawal.e.g. DSP-2026-004481
barcode: string(13)Barcode on pre-personalized no-name card stock, scanned for instant issuance.e.g. NN00981726354
branchCode: string(3)Branch owning the card record; drives reporting and branch delivery routing.e.g. 001
amount: number(double)Monetary amount as a positive decimal with up to 2 decimal places, in the card billing currency unless currencyCode is supplied.e.g. 1500.00
accountNumber: string / integerDemand deposit account linked to the card, used for settlement, cash advance credit and debt payment funding.e.g. 10023456
currencyCode: string(3)ISO 4217 alphabetic currency code. Omit to default to the card billing currency.e.g. AED
statementPeriod: string(2)Day of month the statement cuts, set at issuance and changeable via preference services.e.g. 15
pan: string(16-19)Clear card number, accepted only on the debt-payment eligibility check; everywhere else use shadowCardNumber. See also PAN under Cards & products.e.g. 489012••••••3456

Cards & products

PAN: string(16-19)The card number embossed or printed on the card. Regulated data: vaulted inside Everest, masked in display, accepted in clear on exactly one eligibility-check service.e.g. 489012******3456
BIN: string(6-8)The leading digits of a PAN identifying the issuing institution and scheme; BIN ranges are licensed from schemes and configured in product management.e.g. 489012
CVV / CVV2: string(3)Security code proving physical possession: CVV lives in the magstripe, CVV2 is printed on the card for e-commerce. Never stored after authorization.e.g. ***
expiryDate: string(MM/YY)Card validity end month. Renewal issues a new card carrying the relationship forward.e.g. 08/30
EMV: abbreviationThe global chip-card standard. Chip transactions carry cryptograms that make counterfeiting far harder than magstripe.e.g. —
main card: termThe primary card in a family; supplementary and virtual cards attach to it and draw from its limit.e.g. —
supplementary card: termAn additional card (family member, employee) under a main card, taking a ratio-linked or fixed limit slice.e.g. —
virtual card: termA digital-only card attached to a physical card for online spend, with its own limit model and permissions.e.g. —
no-name card: termPre-personalized stock without an embossed name, activated by barcode for instant handover at branch or kiosk.e.g. —
GPR: abbreviationA prepaid card that can be reloaded and used anywhere the scheme is accepted, as opposed to single-load gift cards.e.g. —
tokenization: termReplacing the PAN with a device- or merchant-specific token (Apple Pay, Google Pay, Masterpass) so the real number never leaves the vault.e.g. —
MCC: string(4)Scheme-assigned code classifying the merchant type (5411 grocery, 5812 restaurants). Drives installment eligibility, rewards and restrictions.e.g. 5411
maskedCardNumber: string(16-19)Display-safe PAN form used anywhere a human sees a card number.e.g. 489012******3456
cardStatusCode: string(1)Card status: A active, B blocked (reversible), C closed (permanent); institutions can define further parametric statuses.e.g. A
restrictionCode: string(2-3)Transaction-type switch (e-commerce, international, ATM, contactless…). Full table in Platform concepts.e.g. EC
limitType: string(1)Virtual card limit model: H decreasing, S fixed with daily or statement reset.e.g. S

Transactions & money

authorization: termThe instant decision on a transaction: status, restrictions, limits and fraud checks, then a hold on the limit. No money moves yet.e.g. —
provision: termThe reserved amount an approved authorization places on the limit until clearing converts it into a booked transaction or it expires.e.g. —
clearing: termThe exchange of final transaction records between acquirers and issuers through the scheme; matches authorizations and applies fees and FX.e.g. —
settlement: termThe actual transfer of funds between issuer and acquirer banks, netted across millions of transactions on scheme settlement accounts.e.g. —
reversal: termUnwinding a transaction inside the same-day window by utid; after the window closes, the dispute path applies.e.g. —
cash advance: termCash drawn against a credit card limit, disbursed to a linked account, carrying a fee and immediate profit/interest accrual.e.g. —
authorizationCode: string(6)Approval code from the authorization leg; printed on receipts and quoted in reversals.e.g. A83921
rrn: string(12)Scheme-assigned reference acquirers and issuers use to locate the transaction in clearing and disputes.e.g. 621500098123
STAN: string(6)Per-message trace number in ISO 8583 authorization traffic, unique per terminal per day.e.g. 004521
ISO 8583: abbreviationThe message format card networks speak for real-time authorization traffic between acquirers, schemes and issuers.e.g. —
interchange: termThe scheme-regulated fee flowing from acquirer to issuer on each transaction — a core revenue line of issuing.e.g. —

Billing & credit

statement: termThe period cut on the card’s statement day: all activity since last cut, a total debt, a minimum due and a due date.e.g. —
minimum due: termThe smallest payment that keeps the account current; the unpaid remainder revolves with profit/interest.e.g. —
revolving: termCarrying part of the statement debt into the next period against profit/interest accrual.e.g. —
profit rate: termThe accrual rate on carried balances and installment plans; Everest supports Islamic and conventional accrual models per product.e.g. 2.19%/mo
EPP: abbreviationConverting an eligible purchase into fixed monthly installments, optionally deferring the first installment.e.g. —
IPP: abbreviationInstallment cash: a lump sum disbursed to the customer’s account, repaid in fixed monthly installments with profit.e.g. —
BNPL: abbreviationShort-tenor installment propositions at checkout; on Everest, delivered through the same installment services enabled per product.e.g. —
early release: termSettling an installment plan ahead of schedule with unearned profit given back; always simulate first.e.g. —
rediscount: termRecalculation of profit accruals when plans change mid-life (early settlement, restructuring).e.g. —
installmentCount: integer(int32)Number of monthly installments. Always fetch the allowed range first — out-of-range counts return INS002.e.g. 6

Risk & compliance

chargeback: termThe formal dispute process returning funds to a cardholder when a charge is successfully challenged; managed against Mastercom / VROL.e.g. —
KYC: abbreviationIdentity verification obligations before full-service banking; on prepaid, registration after KYC lifts anonymous limit caps.e.g. —
AML: abbreviationRegulatory monitoring obligations; anonymous prepaid caps and event-based limits are AML controls in the platform.e.g. —
PCI DSS: abbreviationThe security standard governing card data handling. Everest is engineered to it — which is why you hold shadowCardNumber, never PAN.e.g. —
HSM: abbreviationTamper-resistant hardware holding cryptographic keys for PIN, EMV and tokenization operations.e.g. —
3-D Secure: termThe scheme protocol for authenticating e-commerce transactions (Verified by Visa, Mastercard Identity Check).e.g. —
maker–checker: termTwo-person control on sensitive operations: one user prepares, a second approves. Parametric across Everest back office and CMS content.e.g. —

Integration & security

pinBlock: string(base64)Encrypted PIN block; the platform never accepts clear PINs.e.g. BASE64(…)
OAuth2: abbreviationThe token protocol securing every API call; scopes gate capabilities per token.e.g. —
bearer token: termThe access token from the STS carried in the Authorization header of every request.e.g. eyJ…
mTLS: abbreviationBoth sides present certificates; required for production API access in addition to OAuth2.e.g. —
webhook: termHTTPS callback delivering platform events to your endpoint; verify the signature before processing.e.g. —
idempotency: termThe guarantee that retrying a write produces the same result once — a timeout never becomes a double charge.e.g. —
Kafka topic: termThe named stream a consumer reads platform events from. The transport is documented from the framework, but this deployment publishes no topic list, so the term is defined here and cannot yet be acted on. See Event streams for what the platform emits.
transactionType: string(4)Operation code identifying the payment type being posted.e.g. 0201