Credit Forex Card

Loads forex currency onto a cardholder's forex card wallet. This is used for initial loading and reloading of forex cards.

Integration Sequence (follow in order)

1. Fetch conversion rate — POST /v1/forex/conversion-rate — returns per-wallet conversionRate, baseConversionRate, netAmount, baseConvertedAmount, discountRate, discountAmount, conversionGst, valueOfSupply.
2. Fetch fee summary — POST /v1/forex/summary/fee — returns summary.feeDetails, summary.tcs, summary.gst, summary.total, summary.lrs. Pass the same product.promocodeId and summary.feeWaiver flag you intend to use.
3. Submit this request — populate walletAmount from step 1 and summary from step 2. Do not independently compute any fee, tax, or rate field.

summary Object — What to Pass

walletAmount Array — What to Pass

One entry per currency wallet being loaded. Populate from the conversion rate API response.

• tcs in walletAmount[0] must equal summary.tcs (duplication required for ledger routing)
• fees, gst at wallet level echo from conversion/fee API — do not compute independently
• discountRate, discountAmount echo from conversion rate API — do not alter

Fee Waiver

Set summary.feeWaiver = ALLOWED when the customer qualifies for a fee waiver. You must upload the waiver approval document and pass its reference in summary.feeWaiverApproval. Re-call the fee summary API with feeWaiver: ALLOWED to get the zero-fee breakdown before submitting. TCS and conversionGst are never waived — they are regulatory charges.

Promo Codes

If a promo code is active for this product, pass product.promocodeId (the internal promo code ID provided by M2P, not a customer-facing promo string). Pass the same promocodeId when calling the fee summary API to receive the promotional fee schedule. The promo code affects product-level fees (registration, load fee) only — TCS and conversionGst are unaffected. Do not pass promocodeId in reload requests — the platform reads it automatically from the card's original issuance record.

Compliance Documents

• Passport: Mandatory for all forex loads
• Visa: Required for travel-related loads
• Air Ticket: Required for travel loads
• Purpose Proof: Required for educational/medical purpose
• A2 Form: RBI declaration form
• Fee Waiver Approval: Required if feeWaiver = ALLOWED

Key Fields

• kitNo: Card kit number
• wallet.accountId: Target currency wallet account ID
• amount: Load amount in the foreign currency (e.g., 500 for $500 USD)
• hierarchyId: Branch/corporate hierarchy ID processing the load
• transactionType: Always CREDIT for this endpoint

curl -X POST "https://sandbox-api.m2pprepaid.com/prepaid/customer/v1/forex/card-holder-loads/credit" \  -H "X-TENANT-ID: ACME_CORP" \  -H "Content-Type: application/json" \  -d '{    "hierarchyId": "90009",    "kitNo": "320000541",    "entityId": "476843769320000541160925",    "mobile": {      "value": "9876543210",      "countryCode": 91    },    "amount": 500,    "transactionType": "CREDIT",    "product": {      "productId": "FRX001",      "productType": "FOREX"    },    "wallet": {      "accountId": "c515d3a6-6c51-4f64-bd7b-d9cbd9c5b22f"    },    "trip": {      "country": {        "name": "United States",        "threeDigitCountryCode": "USA"      },      "startDate": "2025-05-01",      "endDate": "2025-05-15",      "purposeOfTravel": {        "code": "PERSONAL_VISIT",        "purpose": "Personal Visit"      },      "type": "NEW"    },    "funding": {      "fundingMode": "SAVINGS_ACCOUNT",      "sourceOfFund": "SELF",      "accountNo": "1234567890",      "ifsc": "SBIN0001234"    },    "summary": {      "fees": 250,      "gst": 45,      "tcs": 500,      "total": 42545    },    "declarations": {      "fatca": true,      "lrs": true,      "tc": true    }  }'

{
  "result": {
    "id": "FRX20250415001",
    "currentStatus": "CREATED",
    "status": "SUCCESS",
    "kitNo": "320000541",
    "amount": 500,
    "transactionType": "CREDIT"
  },
  "pagination": null
}

{
  "type": "https://www.m2pfintech.com/problem/problem-with-message",
  "title": "Bad Request",
  "status": 400,
  "detail": "Unable to convert http message",
  "message": "error.http.400"
}

{
  "type": "https://www.m2pfintech.com/problem/problem-with-message",
  "title": "The given load amount of $10 is less than the required minimum of $20. Please enter valid amount.",
  "status": 409,
  "detail": "The given load amount of $10 is less than the required minimum of $20. Please enter valid amount.",
  "message": "error.business",
  "businessCode": "PP_CORP_157"
}