Product Types Complete product type matrix with capabilities, transaction types, fee types, and notification events supported by M2P Prepaid Platform.
The platform supports 7 distinct product types — each with specific capabilities, limits, and compliance requirements. Products are configured per-tenant and can be customized through the Implementation Guide .
Product Type Code Physical Card Virtual Card Wallet Only Multi-Currency UPI Key Use Case General Purpose Reloadable GPR✅ ✅ ✅ — ✅ Retail prepaid, payroll, government DBT Gift Card GIFT✅ ✅ — — — Single/multi-use gift programs Forex / Travel Card FOREX✅ — ✅ ✅ — International travel, education abroad Digital Wallet WALLET— — ✅ — ✅ Brand wallets, closed-loop, P2P Credit Line CREDIT✅ ✅ — — — Credit-backed prepaid programs AMC AMC✅ — — — — Annual maintenance programs GPR + NCMC GPRNCMC✅ — — — ✅ Transit-enabled prepaid (metro, bus)
Payment Channels Transfer & UPI Card Lifecycle Forex Features
Capability GPR GIFT FOREX WALLET CREDIT GPRNCMC ATM Withdrawal ✅ ✅ ✅ — ✅ ✅ POS Purchase ✅ ✅ ✅ — ✅ ✅ E-Commerce ✅ ✅ ✅ — ✅ ✅ Contactless (NFC) ✅ ✅ ✅ — ✅ ✅ Card Load (Corporate) ✅ ✅ ✅ ✅ ✅ ✅ Self-Service Load (DIY) ✅ — — ✅ — ✅ Transit (NCMC) — — — — — ✅
Capability GPR GIFT FOREX WALLET CREDIT GPRNCMC UPI Registration ✅ — — ✅ — ✅ IMPS Transfer ✅ — — ✅ — ✅ P2P Transfer ✅ — — ✅ — ✅ QR Payments ✅ — — ✅ — ✅
Capability GPR GIFT FOREX WALLET CREDIT GPRNCMC Card Replacement ✅ — ✅ — ✅ ✅ Card Renewal ✅ — ✅ — ✅ ✅ Add-on Cards ✅ — — — ✅ — Backup Card ✅ — ✅ — — — Branch Issuance ✅ ✅ ✅ — ✅ ✅ Instant Issuance ✅ ✅ — ✅ — ✅
Capability GPR GIFT FOREX WALLET CREDIT GPRNCMC Multi-Currency Wallets — — ✅ — — — FX Rate Management — — ✅ — — — LRS/TCS Compliance — — ✅ — — — Wallet-to-Wallet Transfer — — ✅ — — —
The platform supports 50+ transaction types across these categories:
Category Types Count Load LOAD, LOAD_NET, LOAD_DC, LOAD_CC, LOAD_UPI_COLL, LOAD_UPI_INTENT, LOAD_SWEEP, LOAD_FT, LOAD_IR, LOAD_DIY 10 Debit CASH, DEBIT, DEBIT_ADJ, DEBIT_C2C 4 Transfer P2P_DEBIT, P2P_CREDIT, IMPS_DEBIT, IMPS_CREDIT 4 UPI UPI_DEBIT, UPI_CREDIT, UPI_P2P_DEBIT, UPI_P2P_CREDIT, UPI_P2M_DEBIT, UPI_REFUND 6 Reversal LOAD_REVERSAL, DEBIT_REVERSAL, REVERSAL, CORPORATE_DEBIT_REVERSAL + type-specific reversals 12+ Other REFUND, CASHBACK, ACCOUNT_CLOSURE, CREDIT_ADJ, CREDIT_C2C 5
30+ configurable fee types supported at the product level:
Issuance & Recurring Transaction Fees Service & Regulatory
Fee Type Description ISSUANCE_FEEOne-time card issuance charge RE_ISSUANCE_FEECard re-issuance charge CARD_REPLACEMENT_FEECard replacement charge ADDON_CARD_FEEAdd-on card issuance BACKUP_CARD_FEEBackup card fee ANNUAL_MAINTENANCE_FEEAnnual recurring fee MONTHLY_MAINTENANCE_FEEMonthly recurring fee REGISTRATION_FEERegistration fee ACCOUNT_CLOSURE_FEEAccount closure charge INACTIVITY_FEEDormancy/inactivity charge
Fee Type Description LOAD_FEEWallet load fee WITHDRAWAL_FEECash withdrawal fee ATM_FEEATM-specific fee TRANSACTION_MARKUP_FEETransaction markup WALLET_TRANSFER_FEEWallet-to-wallet transfer UPI_TXN_FEEUPI transaction fee IMPS_TXN_FEEIMPS transfer fee SURCHARGE_FEENetwork surcharge PREAUTH_FEEPre-authorization fee
Fee Type Description PIN_CHANGE_FEEPIN change charge BALANCE_CHECK_FEEBalance inquiry fee MINI_STATEMENT_FEEMini statement fee KYC_UPGRADE_FEEKYC upgrade charge PULLBACK_FEEFund pullback fee FOREX_ATM_WITHDRAWAL_FEEForex ATM fee FOREX_BALANCE_ENQUIRY_FEEForex balance check FOREX_CROSS_CURRENCY_FEECross-currency conversion INTERNATIONAL_TXN_FEEInternational transaction DOMESTIC_INTERBANK_FEEDomestic interbank fee EMERGENCY_CARD_FEEEmergency card issuance
The platform supports 40+ notification events triggered across the card/wallet lifecycle:
Category Examples Onboarding Customer onboarding, GPR onboarding, DIY VKYC Card Activation Pre-activation, activation, post-activation, handover Card Status Lock, unlock, block, closure Transactions Success, decline, ATM withdrawal, balance inquiry Reversals Transaction reversed, refund processed Card Lifecycle Pre-expiry, expiry, post-expiry, replacement, renewal Delivery Dispatch, delivery, RTO, pickup, handover Usage Settings changes, dormancy alerts, low balance alerts
See the Webhook Guide for the complete event reference with payload schemas and template variables.
