m2pfintech
API LibraryCredit Card

Retrieve Accounts by Mobile Number

Retrieve all UPI credit accounts registered under a customer's mobile number. Returns an array of accounts if multiple credit cards are linked.

POST
/credit-upi/user-entity/retrieveAccounts

Header Parameters

TENANT*string

Tenant identifier for application identification. Provided by M2P during onboarding. Used in both UAT and production environments.

Request Body

application/json

txnId?string

Unique transaction identifier

channelId*string

Channel identifier allocated by M2P

mobileNo*string

Customer mobile number with country code

bankId*string

Bank/tenant identifier

addr?string

UPI ID received from account discovery request

Response Body

application/json

curl -X POST "https://sandbox-upi-api.m2pfintech.com/credit-upi/user-entity/retrieveAccounts" \  -H "TENANT: PARTNER_XYZ" \  -H "Content-Type: application/json" \  -d '{    "channelId": "UPI",    "mobileNo": "911111122222",    "bankId": "M2P123"  }'
{
  "result": [
    {
      "cifId": "string",
      "accountName": "string",
      "accountNo": "string",
      "accountSchemeType": "string",
      "accountSchemeCode": "string",
      "emailId": "string",
      "cardNo": "string",
      "maskedCardNo": "string",
      "expiryDate": "string",
      "cardStatus": "string",
      "accountIFSC": "string"
    }
  ],
  "exception": {},
  "pagination": {}
}

Retrieve Account by Account Identifier POST

Retrieve the UPI account details registered under a customer using their unique account identifier number (BIN + Product Code + Random).

Validate Card or PIN Details POST

Validates credit card details (VC) or UPI PIN (VP) prior to initiating transactions. This is a mandatory pre-transaction step.