M2P Fintech API documentation

Notification Channels

Channel	Delivery	Notes
SMS	Via configured SMS gateway	Max 160 chars (single) or 320 chars (concat). Respects DND.
Email	Via SES, SendGrid, or configured provider	HTML templates. Supports attachments.
Push	FCM (Android) / APNS (iOS)	JSON payload with title, body, custom data. Supports deep links.

When multiple channels are configured for an event, they are sent in parallel.

Template Variables Reference

All available variables for notification templates:

Variable	Key	Description	Example
Amount	`{amount}`	Transaction amount	`5000.00`
Wallet Amount	`{wallet_amount}`	Wallet-specific amount	`3000.00`
Wallet Amount ISO	`{wallet_amount_iso}`	Amount in ISO minor units	`500000`
Balance	`{balance_amount}`	Post-transaction balance	`15000.00`
Card Number	`{card_number}`	Masked card number	`XXXX1234`
Name	`{name}`	Customer name	`John Doe`
Mobile	`{mobile}`	Customer mobile	`+919876543210`
Date/Time	`{date_time}`	Transaction date & time	`12/02/2026 14:30`
Date	`{date}`	Transaction date	`12/02/2026`
Datetime	`{datetime}`	ISO datetime	`2026-02-12T14:30`
Merchant	`{merchant}`	Merchant name	`Amazon India`
Product Name	`{product_name}`	Product name	`Retail Prepaid Card`
Currency Code	`{currency_code}`	Transaction currency	`INR`
Wallet Currency	`{wallet_currency_code}`	Wallet currency	`USD`
Kit	`{kit}`	Kit / card number	`650527XXXX1234`
RRN	`{rrn}`	Retrieval reference	`123456789012`
MCC	`{mcc}`	Merchant category code	`5411`
Mode	`{mode}`	Transaction mode	`POS`
Fees	`{fees}`	Fee charged	`20.00`
Expiry	`{expiry}`	Card expiry date	`12/2029`
Error Reason	`{error_reason}`	Error description	`Insufficient Balance`
Application Ref	`{application_ref}`	Application reference	`APP2026020001`
Card Type	`{card_type}`	Card type	`GPR`
Purchaser Name	`{purchaser_name}`	Gift card purchaser	`Jane Smith`
To Email	`{to_email}`	Recipient email	`john@example.com`
Product	`{product}`	Product identifier	`GPR_RETAIL_001`

Sample Templates

Transaction Success:

Dear {name}, your M2P card ending {card_number} was used for
{currency_code} {amount} at {merchant} on {date_time}.
Avl Bal: {currency_code} {balance_amount}.
Ref: {rrn}

Card Activation:

<h2>Card Activated Successfully!</h2>
<p>Dear {name},</p>
<p>Your {product_name} card ending <b>{card_number}</b> has been
activated successfully on {date_time}.</p>
<p>Card Expiry: {expiry}</p>
<p>You can now use your card for transactions.</p>

Transaction Decline:

{
  "title": "Transaction Declined",
  "body": "Your card ending {card_number} transaction of {currency_code} {amount} at {merchant} was declined. Reason: {error_reason}",
  "data": {
    "type": "TXN_DECLINE",
    "amount": "{amount}",
    "card": "{card_number}"
  }
}

Low Balance Alert (SMS):

Alert! Your M2P card ending {card_number} balance is low at
{currency_code} {balance_amount}. Please reload to continue
using your card.

Product-Level Configuration

Notifications are configured as part of the product setup in the notification array:

{
  "notification": [
    {
      "eventType": "CARD_ACTIVATION",
      "channels": ["SMS", "EMAIL", "PUSH"],
      "templateId": "ACTIVATION_TEMPLATE_01",
      "isEnabled": true
    },
    {
      "eventType": "CARD_TXN_SUCCESS",
      "channels": ["SMS", "PUSH"],
      "templateId": "TXN_SUCCESS_TEMPLATE_01",
      "isEnabled": true,
      "thresholdAmount": 500
    },
    {
      "eventType": "LOW_BALANCE_ALERT",
      "channels": ["SMS", "EMAIL"],
      "templateId": "LOW_BALANCE_TEMPLATE_01",
      "isEnabled": true,
      "thresholdAmount": 100
    }
  ]
}

Threshold-Based Notifications

When thresholdAmount is set:

Event Category	Behavior
Transaction events	Notification sent only for transactions ≥ threshold amount
Balance alerts	Notification sent when balance falls ≤ threshold amount

Enable / Disable

Toggle individual events without removing the configuration:

{
  "eventType": "CARD_TXN_DECLINE",
  "channels": ["SMS", "PUSH"],
  "isEnabled": false
}

Low Balance Alerts

Configured at two levels:

Level	Configuration	Scope
Product	`thresholdAmount` in notification config	All customers on product
Corporate	`thresholdValueForNotification` on corporate entity	Corporate-specific threshold

Low balance check runs after every debit transaction. Only one notification per threshold breach — resets when balance goes above threshold again.

Templates & Configuration