Integration Guide
Core Integration Flows
Step-by-step sequence diagrams for GPR issuance, Forex issuance, Wallet issuance, Branch issuance, and Card replacement flows.
End-to-end sequence diagrams for the most common integration journeys.
GPR Card Issuance
The most common flow for issuing a General Purpose Reloadable card.
| Step | API | Service | Description |
|---|---|---|---|
| 1 | POST /v1/products/ | Configuration API | Create product with BIN range |
| 2 | POST /v1/corporates/ | Configuration API | Create corporate entity |
| 3 | POST /v1/corporates/add-products/ | Configuration API | Map product to corporate |
| 4 | POST /v1/customers/ | Customer API | Create customer with KYC |
| 5 | POST /v1/corporate-issuances/ | Corporate API | Issue card, create account |
| 6 | POST /v1/cards/activate | Customer API | Activate card |
| 7 | POST /v1/wallets/load | Customer API | Load wallet |
BIN Range must exist before Product creation. Product must be mapped to Corporate before issuance.
Forex Card Issuance
Forex issuance is more complex due to LRS, TCS, and multi-currency requirements.
Forex State Machine:
Wallet Issuance (Cardless)
Network Authorization Flow
Real-time card transaction authorization when a cardholder uses their card at POS/ATM/E-Commerce:
Authorization checks (in order):
| # | Check | Failure Result |
|---|---|---|
| 1 | Parse ISO message | Network-level decline |
| 2 | PIN verification | Invalid PIN |
| 3 | Card/Kit status | Card inactive/blocked |
| 4 | MCC check | MCC restricted |
| 5 | Country check | Country not allowed |
| 6 | Channel preference | Channel disabled |
| 7 | Fee calculation | Fee calculation error |
| 8 | Limit + Balance | Limit exceeded / Insufficient balance |
Card Replacement Flow
UPI Registration Flow
UPI Prerequisites: Product must have allowUpi: true, customer must have FULL_KYC, and UPI tenant identifier must be configured in corporate settings.