Retail Credit Card v1.1
End-to-end retail credit card platform — customer registration, card controls, transaction management, statements, disputes, and loan management powered by M2P Credit Stack v1.1.
M2P's Retail Credit Card v1.1 platform enables banks and fintechs to issue and manage credit cards for individual customers. Built on the M2P Credit Stack, it covers the full lifecycle — from customer registration and card management to transaction history, statement generation, block codes, dispute handling, and loan management.
Platform Capabilities
Customer Management
Register individual customers with full KYC, address, bank, and nominee details. Fetch customer profiles by entity ID and update entity information.
Card Controls
Retrieve card lists, request physical cards, and configure spending preferences at entity or kit level.
Transactions
Fetch transaction history by entity ID or transaction ID, including retail and paginated transaction queries.
Statements
Retrieve statement data, statement transactions, due amounts via BBPS, Base64-encoded statements, and update statement dates.
Block Codes
Apply block codes to entities and fetch block code details to control card access.
Disputes
Update dispute status for raised transaction disputes.
Account Closure
Preview outstanding balances before account closure and pre-close all active loans.
Loan Management
Manage EMI loans — get loans by status, fetch details, check eligibility for conversion, preview and execute cancellations and pre-closures.