CardPay
M2P's real-time card payment switching platform for VISA Direct, MasterCard Send
CardPay is M2P's certified switching and middleware platform that enables banks and their partners to leverage VISA Direct and MasterCard Send payment rails for real-time push and pull transactions — directly to and from card accounts.
What makes CardPay different?
CardPay abstracts all network-level complexity — mutual TLS, Message Level Encryption, OAuth 1.0a, JWE, BIN-level eligibility checks — behind a single, unified API surface. Partners don't integrate with Visa or Mastercard directly; they integrate once with CardPay.
Core Capabilities
Push Funds (OCT)
Credit funds directly to a debit, credit, or prepaid card in near real-time. Supports P2P, disbursements, bill payments, remittances, and more.
Pull Funds (AFT)
Debit funds from a customer's card to load a PPI, wallet, or bank account. Requires 3D Secure authentication.
Eligibility Check
Verify if a card is eligible for OCT or AFT before transacting. Returns card type, issuer details, and Fast Funds availability.
Webhooks
Receive real-time notifications for async transactions, status resolutions, and Click-to-Pay enrollment events.
Card Tokenization (Non-PCI)
ECDH-based card tokenization for partners without PCI DSS certification. Tokenize cards directly from the customer's browser — card data never touches your backend.
Supported Networks
| Network | Push (OCT) | Pull (AFT) | Eligibility | Status Check |
|---|---|---|---|---|
| VISA Direct | ✅ | ✅ | ✅ | ✅ |
| MasterCard Send 2.0 | ✅ | ❌ | ✅ | ✅ |
| mVisa (QR) | ✅ | ❌ | ✅ | ✅ |
Quick Navigation
Platform Background
Understand real-time card rails, industry context, and the CardPay architecture.
Integration Guide
Onboard a sponsor bank or partner, configure credentials, and understand the authentication model.
API Reference
Full API specification for Eligibility Check, Push Funds, and Pull Funds endpoints.
Error Codes
Complete reference for Visa and Mastercard response codes, platform errors, and the error handling decision tree.