Getting Started
Implementation overview, prerequisites, and step-by-step workflow for launching a prepaid card or digital wallet program on M2P Platform.
This guide walks you through launching a prepaid card or digital wallet program on M2P's platform — from initial setup to production go-live.
Prerequisites
Before starting, ensure you have:
- M2P Prepaid Platform access credentials (Tenant ID, API Key)
- Sandbox environment URL and portal access
- API testing tool (Postman collection or equivalent)
- Regulatory approvals (PPI license, card network agreements)
- BIN allocation from card network (Visa / Mastercard / RuPay)
Environments
| Environment | API Base URL | Portal URL |
|---|---|---|
| Sandbox | https://sandbox-api.m2pprepaid.com | https://sandbox-portal.m2pprepaid.com |
| Production | Provided after UAT completion | Provided after UAT completion |
Sandbox is a full-featured replica of production with test BINs and simulated card network responses.
Implementation Timeline
| Phase | Duration | Activities |
|---|---|---|
| Setup & Configuration | 1–2 weeks | Tenant setup, BIN setup, product configuration |
| Integration | 2–3 weeks | API integration, portal customization |
| Testing | 1–2 weeks | UAT, security testing, performance testing |
| Go-Live | 1 week | Production setup, network certification |
Implementation Workflow
Critical: Follow this exact sequence. Creating a product before BIN ranges are set up will cause configuration errors that require manual intervention.
Tenant & Credential Setup
Receive your Tenant ID, API Key, and portal credentials from M2P. Configure authentication headers for all API calls.
Required Headers:
| Header | Value |
|---|---|
X-TENANT-ID | Your unique tenant identifier |
Authorization | Bearer <JWT_TOKEN> |
Content-Type | application/json |
BIN & BIN Range Setup
Create BIN configurations and allocate card number ranges before creating products.
Product Configuration
Create and configure your prepaid product with the BIN mapping, KYC rules, wallet limits, transaction limits, and notification settings.
Customer Onboarding
Create customers with KYC details and issue cards or wallets.
Transaction & Fee Configuration
Configure transaction limits, MCC controls, and fee structures.
Notification & Webhook Setup
Configure SMS, email, push notification templates and webhook subscriptions.
Testing & Go-Live
Execute the test plan, verify all flows, and complete the go-live checklist.
Critical Dependency: BIN Before Product
Products must be mapped to BIN ranges during creation. Creating a product without a valid BIN range will result in PP_CORP_028 (Invalid Product) or PP_CORP_035 (BIN Range Exceeded) errors during issuance.