m2pfintech
API LibraryEligibility

Check Card Eligibility

Verify if a card is eligible for push (OCT) or pull (AFT) transactions.

  • Automatically routes to Visa Direct or Mastercard Send based on card BIN
  • Returns eligibility details including Fast Funds support
  • Use transactionType to check for specific capabilities (OCT or AFT)
POST
/direct/check-eligibility

Authorization

BasicAuth
AuthorizationBasic <token>

Partner credentials (username/password) provisioned during onboarding

In: header

Request Body

application/json

primaryAccountNumber*string

Card PAN (Primary Account Number) to check eligibility for

Match^\d{13,19}$
business*string

Partner/Business identifier provisioned during onboarding

networkType*string

Explicit network routing. Auto-detected from card BIN if not provided.

Value in"VISA" | "MASTERCARD"
transactionType*string

Transaction type to check eligibility for:

  • OCT: Original Credit Transaction (push funds to card)
  • AFT_PULL: AFT pull variant (used for Visa Direct AFT pull flows)
Value in"OCT" | "AFT_PULL"
tokenType*string

Details of what is sent in primaryAccountNumber Common values:

  • "01": M2P Generated Card Token
  • "02": Network Generated Card Token
  • "03": Plain Card Number (For PCI DSS Partner)

Response Body

application/json

application/json

application/json

application/json

curl -X POST "https://secure.yappay.in/Yappay/direct/check-eligibility" \  -H "Content-Type: application/json" \  -d '{    "primaryAccountNumber": "4111110000000008",    "business": "M2P",    "networkType": "VISA",    "transactionType": "OCT"  }'

{
  "result": {
    "eligible": true,
    "cardType": "DEBIT",
    "issuerCountry": "USA",
    "issuerName": "VISA PRODUCTION SUPPORT CLIENT BID 1",
    "issuerCountryCode": "840",
    "currencyCode": "702",
    "additionalDetails": {
      "accountFundingTransactionDomParticipant": "true",
      "moneyTransferPushFundsDomestic": "Y",
      "moneyTransferFastFundsDomestic": "Y",
      "accountFundingTransactionXbParticipant": "true"
    },
    "notEligibleReasonCode": null,
    "notEligibleReasonDescription": null,
    "pushEligible": true,
    "pullEligible": true,
    "errorMessage": null
  },
  "exception": null,
  "pagination": null
}

{
  "result": null,
  "error": {
    "errorCode": "VALIDATION_ERROR",
    "shortMessage": "Invalid request",
    "detailMessage": "recipientPan is required",
    "fieldErrors": [
      "recipientPan: must not be blank"
    ]
  }
}
{
  "result": null,
  "error": {
    "errorCode": "AUTH_FAILED",
    "shortMessage": "Authentication failed",
    "detailMessage": "Invalid credentials"
  }
}
{
  "result": null,
  "error": {
    "errorCode": "INTERNAL_ERROR",
    "shortMessage": "Internal server error",
    "detailMessage": "An unexpected error occurred. Please contact support."
  }
}

Pair ECDH Public Key (One-Time Setup) POST

Register your ECDH public key with M2P. This is a **one-time setup step** performed during partner onboarding — not per-session. The public key is generated using the **P-256 (secp256r1)** elliptic curve and submitted as a hex-encoded string. M2P stores this key and uses it as the base for ECDH shared secret derivation in subsequent `generateSharedSecret` calls. > **Note:** This endpoint is on the Core VDMS API server (`/Yappay` context), not the > Auth/Tokenization service. Use the servers `https://secure.yappay.in/Yappay` (production) > or `https://sit-secure.yappay.in/Yappay` (sandbox).

Push Funds to Card (OCT) POST

Send money instantly to any Visa or Mastercard (Original Credit Transaction). **Use Cases**: - Person-to-Person (P2P) transfers - Merchant payouts and disbursements - Insurance disbursements - Refunds and cashback **Features**: - Auto-routes to Visa Direct or Mastercard Send based on card BIN - Real-time / near-real-time settlement - Supports cross-border transfers - Fast Funds (< 30 sec) for eligible cards > **⚠️ Important**: The response from this API indicates only whether the request was > accepted. **Do not rely on this response to determine final transaction status.** > Always call `GET /Yappay/txn-manager/v2/fetch/{externalTransactionId}` to confirm > the final `txnStatus` (e.g., `PAYMENT_SUCCESS`, `PAYMENT_FAILURE`).