m2pfintech
API LibraryCredit Card

Validate Card or PIN Details

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

POST
/credit-upi/user-entity/validateCardDetails

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

type*string

Validation type: VC (card) or VP (PIN)

Value in"VC" | "VP"
accountIdentification1*string

Credit Account No

mobileNumber*string

12-digit mobile number with country code

cardDigits*string

Last 6 digits of credit card number

cardExp*string

Expiry month & year (MMYYYY format)

atmPinOffset?string

UPI PIN offset (required for VP only)

channelId*string

Channel identifier allocated by M2P

Response Body

application/json

curl -X POST "https://sandbox-upi-api.m2pfintech.com/credit-upi/user-entity/validateCardDetails" \  -H "TENANT: PARTNER_XYZ" \  -H "Content-Type: application/json" \  -d '{    "type": "VC",    "accountIdentification1": "123454554906760717",    "mobileNumber": "919865785673",    "cardDigits": "117393",    "cardExp": "0926",    "channelId": "UTM"  }'
{
  "result": {
    "status": "string"
  },
  "exception": {},
  "pagination": {}
}

Retrieve Accounts by Mobile Number POST

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

Delegate Payment POST

Initiates a payment using delegate authorization. The delegate makes a payment that is debited from the delegators account. The payment amount must be within the configured per-transaction, daily, and monthly limits. UPI PIN of the delegate is required for authentication.