Release Notes: REST API V2 - 2.10.1

REST API V2 - 2.10.1

Version 2.10.0 to 2.10.1

What's New

 

API Reference
POST /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/post-bonus-operation

The API is used to post manually a Bonus operation to an account. A Bonus operation is used to reward or adjust a given account (in credit or in debit, e.g. in case of too high, too low or missing reward). As an input it must be provided

  • the account, identified either by its account reference generated by WL or its issuer external account reference, on which the bonus operation has to be posted
  • the related Bonus program, defined for the issuer and the account
  • the Bonus operation itself, uniquely identified by its external reference, date and service poster, its amount in currency (monetary) or loyalty point kind (non monetary) Note:
  • for monetary bonus the provided currency must be the same than the posting account, for non monetary bonus the provided loyalty point unit must be allowed by the Bonus program
  • it is possible to post credit and debit bonus operation

If the Bonus operation is related to an existing initial operation, this latter can be provided.

As a result the Bonus operation is posted to the account. Monetary bonus has an immediate impact on the account balance.

 

POST /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/reverse-bonus-operation

Reverse a Bonus operation for an account (beta)

The API is used to fully reverse a Bonus operation previously posted on an account.

As an input it must be provided

  • the account, identified either by its account reference generated by WL or its issuer external account reference, on which the bonus operation was previously posted
  • the Bonus operation to be reversed
  • the information related to the reversal operation (reference, date, service poster)
POST /issuers/{issuerId}/accounts/{accountReference}/post-bonus-operation

Post a Bonus operation for an account (beta)

The API is used to post manually a Bonus operation to an account. A Bonus operation is used to reward or adjust a given account (in credit or in debit, e.g. in case of too high, too low or missing reward). As an input it must be provided

  • the account, identified either by its account reference generated by WL or its issuer external account reference, on which the bonus operation has to be posted
  • the related Bonus program, defined for the issuer and the account
  • the Bonus operation itself, uniquely identified by its external reference, date and service poster, its amount in currency (monetary) or loyalty point kind (non monetary) Note:
  • for monetary bonus the provided currency must be the same than the posting account, for non monetary bonus the provided loyalty point unit must be allowed by the Bonus program
  • it is possible to post credit and debit bonus operation

If the Bonus operation is related to an existing initial operation, this latter can be provided.

As a result the Bonus operation is posted to the account. Monetary bonus has an immediate impact on the account balance.

 

POST /issuers/{issuerId}/accounts/{accountReference}/reverse-bonus-operation

Reverse a Bonus operation for an account (beta)

The API is used to fully reverse a Bonus operation previously posted on an account.

As an input it must be provided

  • the account, identified either by its account reference generated by WL or its issuer external account reference, on which the bonus operation was previously posted
  • the Bonus operation to be reversed
  • the information related to the reversal operation (reference, date, service poster)
POST /issuers/{issuerId}/subscriptions

Create a new WL Message subscription

GET /issuers/{issuerId}/subscriptions/search

Search for subscriptions (with non-pci search terms)

GET /issuers/{issuerId}/subscriptions/{subscriptionReference}

Retrieve subscription by reference

PUT /issuers/{issuerId}/subscriptions/{subscriptionReference}

Modify subscription by reference

DELETE /issuers/{issuerId}/subscriptions/{subscriptionReference}

Delete subscription by reference

GET /issuers/{issuerId}/subscriptions/{subscriptionReference}/services

Retrieve services by subscription reference

POST /issuers/{issuerId}/subscriptions/{subscriptionReference}/services

Create new service subscription

GET /issuers/{issuerId}/subscriptions/{subscriptionReference}/services/{subscriptionServiceReference}

Retrieve services for a subscription

PUT /issuers/{issuerId}/subscriptions/{subscriptionReference}/services/{subscriptionServiceReference}

Modify subscription service by reference

DELETE /issuers/{issuerId}/subscriptions/{subscriptionReference}/services/{subscriptionServiceReference}

Delete subscription service by reference

GET /issuers/{issuerId}/subscriptions/{subscriptionReference}/services/{subscriptionServiceReference}/events

Retrieve subscritpion events by subscription service reference

POST /issuers/{issuerId}/subscriptions/{subscriptionReference}/services/{subscriptionServiceReference}/events

Create new event subscription

GET /issuers/{issuerId}/subscriptions/{subscriptionReference}/services/{subscriptionServiceReference}/events/{subscriptionEventReference}

Retrieve event for a subscription service

PUT /issuers/{issuerId}/subscriptions/{subscriptionReference}/services/{subscriptionServiceReference}/events/{subscriptionEventReference}

Modify subscription event by reference

DELETE /issuers/{issuerId}/subscriptions/{subscriptionReference}/services/{subscriptionServiceReference}/events/{subscriptionEventReference}

Delete subscription event by reference

What's Changed

GET /issuers/{issuerId}/cards/external-cards/{issuerCardExternalReference}
Parameters:

Changed: embed in query

Response:
  • Changed property data (object Card)
    • Added property orders (array)
    • Changed property cardContract (object CardContract)
      • Changed property cards (array)
        • Changed items (object Card)
          • Added property orders (array)
GET /issuers/{issuerId}/cards/external-cards/{issuerCardExternalReference}/orders/{orderReference}
Response:
  • Changed property data (object Order)
    • Added property notExtractedReason (string)
    • Added property notExtractedUpdateDate (string)
    • Changed property card (object Card)
      • Added property orders (array)
      • Changed property cardContract (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
GET /issuers/{issuerId}/cards/{cardReference}
Parameters:

Changed: embed in query

Response:
  • Changed property data (object Card)
    • Added property orders (array)
    • Changed property cardContract (object CardContract)
      • Changed property cards (array)
        • Changed items (object Card)
          • Added property orders (array)
GET /issuers/{issuerId}/cards/{cardReference}/orders/{orderReference}
Response:
  • Changed property data (object Order)
    • Added property notExtractedReason (string)
    • Added property notExtractedUpdateDate (string)
    • Changed property card (object Card)
      • Added property orders (array)
      • Changed property cardContract (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
POST /issuers/{issuerId}/credit-instalments/simulate
Response:
  • Changed property data (object CreditInstalmentSimulationResponse)

    • New required properties:

      • simulationDetails

    • Changed property simulationDetails (array)

      • Changed items (object CreditInstalmentSimulationResponseSimulationDetails)
        • New required properties:
          • instalmentModelReference
          • instalmentTerm
          • interestRate
          • monthlyRepaymentAmount
          • totalInterestAmount
GET /issuers/{issuerId}/customers/external-customers/{issuerCustomerExternalReference}/addresses/external-addresses/{issuerAddressExternalReference}
Response:
  • Changed property data (object Address)
    • Added property temporary (boolean)
GET /issuers/{issuerId}/customers/external-customers/{issuerCustomerExternalReference}/addresses/{addressReference}
Response:
  • Changed property data (object Address)
    • Added property temporary (boolean)
GET /issuers/{issuerId}/customers/{customerReference}/addresses/external-addresses/{issuerAddressExternalReference}
Response:
  • Changed property data (object Address)
    • Added property temporary (boolean)
GET /issuers/{issuerId}/customers/{customerReference}/addresses/{addressReference}
Response:
  • Changed property data (object Address)
    • Added property temporary (boolean)
GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}
Response:
  • Changed property data (object Account)
    • Added property hierarchyBonusProgramReferences (array)
    • Added property openCycleInformation (object)
GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/account-guarantor
Response:
  • Changed property data (object Customer)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/account-owner
Response:
  • Changed property data (object Customer)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/operations/{operationId}
Response:
  • Changed property data (object Operation)
    • Added property loyaltyPoint (object)
    • Added property rewardedOperationIdentifier (object)
POST /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/velocity-limits/{velocityLimitReference}/velocity-limit-overrides
Request body:

  • New optional properties:

    • velocityLimitOverrideIdentifier

  • Deleted property velocityLimitOverrideIdentifier (object)

GET /issuers/{issuerId}/accounts/{accountReference}
Response:
  • Changed property data (object Account)
    • Added property hierarchyBonusProgramReferences (array)
    • Added property openCycleInformation (object)
GET /issuers/{issuerId}/accounts/{accountReference}/account-guarantor
Response:
  • Changed property data (object Customer)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/accounts/{accountReference}/account-owner
Response:
  • Changed property data (object Customer)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/accounts/{accountReference}/operations/{operationId}
Response:
  • Changed property data (object Operation)
    • Added property loyaltyPoint (object)
    • Added property rewardedOperationIdentifier (object)
POST /issuers/{issuerId}/accounts/{accountReference}/velocity-limits/{velocityLimitReference}/velocity-limit-overrides
Request body:

  • New optional properties:

    • velocityLimitOverrideIdentifier

  • Deleted property velocityLimitOverrideIdentifier (object)

GET /issuers/{issuerId}/companies/{customerReference}
Response:
  • Changed property data (object Company)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/companies/external-customers/{issuerCustomerExternalReference}
Response:
  • Changed property data (object Company)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
POST /issuers/{issuerId}/companies/{customerReference}/addresses
Request body:
  • Added property endDate (string)
  • Added property temporary (boolean)
GET /issuers/{issuerId}/companies/{customerReference}/addresses
Response:
  • Changed property data (array)
    • Changed items (object Address)
      • Added property temporary (boolean)
GET /issuers/{issuerId}/companies/{customerReference}/addresses/{addressReference}
Response:
  • Changed property data (object Company)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/companies/{customerReference}/addresses/external-addresses/{issuerAddressExternalReference}
Response:
  • Changed property data (object Company)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
POST /issuers/{issuerId}/companies/external-customers/{issuerCustomerExternalReference}/addresses
Request body:
  • Added property endDate (string)
  • Added property temporary (boolean)
GET /issuers/{issuerId}/companies/external-customers/{issuerCustomerExternalReference}/addresses
Response:
  • Changed property data (array)
    • Changed items (object Address)
      • Added property temporary (boolean)
GET /issuers/{issuerId}/companies/external-customers/{issuerCustomerExternalReference}/addresses/{addressReference}
Response:
  • Changed property data (object Company)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/companies/external-customers/{issuerCustomerExternalReference}/addresses/external-addresses/{issuerAddressExternalReference}
Response:
  • Changed property data (object Company)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/card-contracts/external-card-contracts/{issuerCardContractExternalReference}
Response:
  • Changed property data (object CardContract)
    • Changed property cards (array)
      • Changed items (object Card)
        • Added property orders (array)
GET /issuers/{issuerId}/card-contracts/external-card-contracts/{issuerCardContractExternalReference}/cardholder
Response:
  • Changed property data (object Customer)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/card-contracts/external-card-contracts/{issuerCardContractExternalReference}/cards
Response:
  • Changed property data (array)
    • Changed items (object Card)
      • Added property orders (array)
GET /issuers/{issuerId}/card-contracts/{cardContractReference}
Response:
  • Changed property data (object CardContract)
    • Changed property cards (array)
      • Changed items (object Card)
        • Added property orders (array)
GET /issuers/{issuerId}/card-contracts/{cardContractReference}/cardholder
Response:
  • Changed property data (object Customer)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/card-contracts/{cardContractReference}/cards
Response:
  • Changed property data (array)
    • Changed items (object Card)
      • Added property orders (array)
GET /issuers/{issuerId}/cards/external-cards/{issuerCardExternalReference}/card-contract
Response:
  • Changed property data (object CardContract)
    • Changed property cards (array)
      • Changed items (object Card)
        • Added property orders (array)
GET /issuers/{issuerId}/cards/external-cards/{issuerCardExternalReference}/orders
Response:
  • Changed property data (array)
    • Changed items (object Order)
      • Added property notExtractedReason (string)
      • Added property notExtractedUpdateDate (string)
      • Changed property card (object Card)
        • Added property orders (array)
        • Changed property cardContract (object CardContract)
          • Changed property cards (array)
            • Changed items (object Card)
              • Added property orders (array)
POST /issuers/{issuerId}/cards/search
Parameters:

Changed: embed in query

Response:
  • Changed property data (array)
    • Changed items (object Card)
      • Added property orders (array)
GET /issuers/{issuerId}/cards/{cardReference}/card-contract
Response:
  • Changed property data (object CardContract)
    • Changed property cards (array)
      • Changed items (object Card)
        • Added property orders (array)
GET /issuers/{issuerId}/cards/{cardReference}/orders
Response:
  • Changed property data (array)
    • Changed items (object Order)
      • Added property notExtractedReason (string)
      • Added property notExtractedUpdateDate (string)
      • Changed property card (object Card)
        • Added property orders (array)
        • Changed property cardContract (object CardContract)
          • Changed property cards (array)
            • Changed items (object Card)
              • Added property orders (array)
GET /issuers/{issuerId}/contracts/external-contracts/{issuerContractExternalReference}/contract-owner
Response:
  • Changed property data (object Customer)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
GET /issuers/{issuerId}/contracts/{contractReference}/contract-owner
Response:
  • Changed property data (object Customer)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
POST /issuers/{issuerId}/credit-instalments/
Request body:

  • New required properties:

    • payingAccountIdentifier
    • receivingAccountIdentifier

  • New optional properties:

    • instalmentModelReference
GET /issuers/{issuerId}/customers/external-customers/{issuerCustomerExternalReference}
Response:
  • Changed property data (object Customer)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
POST /issuers/{issuerId}/customers/external-customers/{issuerCustomerExternalReference}/addresses
Request body:
  • Added property endDate (string)
  • Added property temporary (boolean)
GET /issuers/{issuerId}/customers/external-customers/{issuerCustomerExternalReference}/addresses
Response:
  • Changed property data (array)
    • Changed items (object Address)
      • Added property temporary (boolean)
GET /issuers/{issuerId}/customers/{customerReference}
Response:
  • Changed property data (object Customer)
    • Changed property addresses (array)
      • Changed items (object Address)
        • Added property temporary (boolean)
POST /issuers/{issuerId}/customers/{customerReference}/addresses
Request body:
  • Added property endDate (string)
  • Added property temporary (boolean)
GET /issuers/{issuerId}/customers/{customerReference}/addresses
Response:
  • Changed property data (array)
    • Changed items (object Address)
      • Added property temporary (boolean)
GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/contract
Response:
  • Changed property data (object Contract)
    • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
    • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
    • Changed property accounts (array)
      • Changed items (object Account)
        • Added property hierarchyBonusProgramReferences (array)
        • Added property openCycleInformation (object)
    • Changed property cardContracts (array)
      • Changed items (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
    • Changed property contractCustomers (array)
      • Changed items (object Customer)
        • Changed property addresses (array)
          • Changed items (object Address)
            • Added property temporary (boolean)
GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/operations
Response:
  • Changed property data (array)
    • Changed items (object Operation)
      • Added property loyaltyPoint (object)
      • Added property rewardedOperationIdentifier (object)
GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/statements/last/operations
Response:
  • Changed property data (array)
    • Changed items (object Operation)
      • Added property loyaltyPoint (object)
      • Added property rewardedOperationIdentifier (object)
GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/statements/next/operations
Response:
  • Changed property data (array)
    • Changed items (object Operation)
      • Added property loyaltyPoint (object)
      • Added property rewardedOperationIdentifier (object)
GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/statements/{cycleClosureDate}/operations
Response:
  • Changed property data (array)
    • Changed items (object Operation)
      • Added property loyaltyPoint (object)
      • Added property rewardedOperationIdentifier (object)
GET /issuers/{issuerId}/accounts/{accountReference}/contract
Response:
  • Changed property data (object Contract)
    • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
    • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
    • Changed property accounts (array)
      • Changed items (object Account)
        • Added property hierarchyBonusProgramReferences (array)
        • Added property openCycleInformation (object)
    • Changed property cardContracts (array)
      • Changed items (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
    • Changed property contractCustomers (array)
      • Changed items (object Customer)
        • Changed property addresses (array)
          • Changed items (object Address)
            • Added property temporary (boolean)
GET /issuers/{issuerId}/accounts/{accountReference}/operations
Response:
  • Changed property data (array)
    • Changed items (object Operation)
      • Added property loyaltyPoint (object)
      • Added property rewardedOperationIdentifier (object)
GET /issuers/{issuerId}/accounts/{accountReference}/statements/last/operations
Response:
  • Changed property data (array)
    • Changed items (object Operation)
      • Added property loyaltyPoint (object)
      • Added property rewardedOperationIdentifier (object)
GET /issuers/{issuerId}/accounts/{accountReference}/statements/next/operations
Response:
  • Changed property data (array)
    • Changed items (object Operation)
      • Added property loyaltyPoint (object)
      • Added property rewardedOperationIdentifier (object)
GET /issuers/{issuerId}/accounts/{accountReference}/statements/{cycleClosureDate}/operations
Response:
  • Changed property data (array)
    • Changed items (object Operation)
      • Added property loyaltyPoint (object)
      • Added property rewardedOperationIdentifier (object)
GET /issuers/{issuerId}/companies
Response:
  • Changed property data (array)
    • Changed items (object Company)
      • Changed property addresses (array)
        • Changed items (object Address)
          • Added property temporary (boolean)
GET /issuers/{issuerId}/card-contracts/external-card-contracts/{issuerCardContractExternalReference}/contract
Response:
  • Changed property data (object Contract)
    • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
    • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
    • Changed property accounts (array)
      • Changed items (object Account)
        • Added property hierarchyBonusProgramReferences (array)
        • Added property openCycleInformation (object)
    • Changed property cardContracts (array)
      • Changed items (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
    • Changed property contractCustomers (array)
      • Changed items (object Customer)
        • Changed property addresses (array)
          • Changed items (object Address)
            • Added property temporary (boolean)
GET /issuers/{issuerId}/card-contracts/{cardContractReference}/contract
Response:
  • Changed property data (object Contract)
    • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
    • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
    • Changed property accounts (array)
      • Changed items (object Account)
        • Added property hierarchyBonusProgramReferences (array)
        • Added property openCycleInformation (object)
    • Changed property cardContracts (array)
      • Changed items (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
    • Changed property contractCustomers (array)
      • Changed items (object Customer)
        • Changed property addresses (array)
          • Changed items (object Address)
            • Added property temporary (boolean)
GET /issuers/{issuerId}/corporate-contracts/{contractReference}/corporate-employee-accounts/{accountReference}
Response:
  • Changed property data (object CorporateEmployeeAccountResponse)
    • Changed property account (object Account)
      • Added property hierarchyBonusProgramReferences (array)
      • Added property openCycleInformation (object)
    • Changed property cardContracts (array)
      • Changed items (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
GET /issuers/{issuerId}/corporate-contracts/{contractReference}/corporate-employee-accounts/external-accounts/{issuerAccountExternalReference}
Response:
  • Changed property data (object CorporateEmployeeAccountResponse)
    • Changed property account (object Account)
      • Added property hierarchyBonusProgramReferences (array)
      • Added property openCycleInformation (object)
    • Changed property cardContracts (array)
      • Changed items (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
GET /issuers/{issuerId}/corporate-contracts/external-contracts/{issuerContractExternalReference}/corporate-employee-accounts/external-accounts/{issuerAccountExternalReference}
Response:
  • Changed property data (object CorporateEmployeeAccountResponse)
    • Changed property account (object Account)
      • Added property hierarchyBonusProgramReferences (array)
      • Added property openCycleInformation (object)
    • Changed property cardContracts (array)
      • Changed items (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
GET /issuers/{issuerId}/corporate-contracts/external-contracts/{issuerContractExternalReference}/corporate-employee-accounts/{accountReference}
Response:
  • Changed property data (object CorporateEmployeeAccountResponse)
    • Changed property account (object Account)
      • Added property hierarchyBonusProgramReferences (array)
      • Added property openCycleInformation (object)
    • Changed property cardContracts (array)
      • Changed items (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
PATCH /issuers/{issuerId}/contracts/external-contracts/{issuerContractExternalReference}
Request body:
  • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
  • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
GET /issuers/{issuerId}/contracts/external-contracts/{issuerContractExternalReference}
Response:
  • Changed property data (object Contract)
    • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
    • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
    • Changed property accounts (array)
      • Changed items (object Account)
        • Added property hierarchyBonusProgramReferences (array)
        • Added property openCycleInformation (object)
    • Changed property cardContracts (array)
      • Changed items (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
    • Changed property contractCustomers (array)
      • Changed items (object Customer)
        • Changed property addresses (array)
          • Changed items (object Address)
            • Added property temporary (boolean)
GET /issuers/{issuerId}/contracts/external-contracts/{issuerContractExternalReference}/accounts
Response:
  • Changed property data (array)
    • Changed items (object Account)
      • Added property hierarchyBonusProgramReferences (array)
      • Added property openCycleInformation (object)
GET /issuers/{issuerId}/contracts/external-contracts/{issuerContractExternalReference}/card-contracts
Response:
  • Changed property data (array)
    • Changed items (object CardContract)
      • Changed property cards (array)
        • Changed items (object Card)
          • Added property orders (array)
POST /issuers/{issuerId}/contracts/external-contracts/{issuerContractExternalReference}/update-all-customers-addresses
Request body:
  • Changed property addresses (array)
    • Changed items (object ModifyContractCustomersAddressesRequest.Address)
      • Added property invalid (boolean)
PATCH /issuers/{issuerId}/contracts/{contractReference}
Request body:
  • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
  • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
GET /issuers/{issuerId}/contracts/{contractReference}
Response:
  • Changed property data (object Contract)
    • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
    • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
    • Changed property accounts (array)
      • Changed items (object Account)
        • Added property hierarchyBonusProgramReferences (array)
        • Added property openCycleInformation (object)
    • Changed property cardContracts (array)
      • Changed items (object CardContract)
        • Changed property cards (array)
          • Changed items (object Card)
            • Added property orders (array)
    • Changed property contractCustomers (array)
      • Changed items (object Customer)
        • Changed property addresses (array)
          • Changed items (object Address)
            • Added property temporary (boolean)
GET /issuers/{issuerId}/contracts/{contractReference}/accounts
Response:
  • Changed property data (array)
    • Changed items (object Account)
      • Added property hierarchyBonusProgramReferences (array)
      • Added property openCycleInformation (object)
GET /issuers/{issuerId}/contracts/{contractReference}/card-contracts
Response:
  • Changed property data (array)
    • Changed items (object CardContract)
      • Changed property cards (array)
        • Changed items (object Card)
          • Added property orders (array)
POST /issuers/{issuerId}/contracts/{contractReference}/update-all-customers-addresses
Request body:
  • Changed property addresses (array)
    • Changed items (object ModifyContractCustomersAddressesRequest.Address)
      • Added property invalid (boolean)
GET /issuers/{issuerId}/customers
Response:
  • Changed property data (array)
    • Changed items (object Customer)
      • Changed property addresses (array)
        • Changed items (object Address)
          • Added property temporary (boolean)
GET /issuers/{issuerId}/customers/external-customers/{issuerCustomerExternalReference}/accounts
Response:
  • Changed property data (array)
    • Changed items (object Account)
      • Added property hierarchyBonusProgramReferences (array)
      • Added property openCycleInformation (object)
GET /issuers/{issuerId}/customers/external-customers/{issuerCustomerExternalReference}/card-contracts
Response:
  • Changed property data (array)
    • Changed items (object CardContract)
      • Changed property cards (array)
        • Changed items (object Card)
          • Added property orders (array)
GET /issuers/{issuerId}/customers/{customerReference}/accounts
Response:
  • Changed property data (array)
    • Changed items (object Account)
      • Added property hierarchyBonusProgramReferences (array)
      • Added property openCycleInformation (object)
GET /issuers/{issuerId}/customers/{customerReference}/card-contracts
Response:
  • Changed property data (array)
    • Changed items (object CardContract)
      • Changed property cards (array)
        • Changed items (object Card)
          • Added property orders (array)
GET /issuers/{issuerId}/corporate-contracts/{contractReference}
Response:
  • Changed property data (object CorporateContract)
    • Changed property contractCustomers (array)
      • Changed items (object Customer)
        • Changed property addresses (array)
          • Changed items (object Address)
            • Added property temporary (boolean)
    • Changed property contractCompanies (array)
      • Changed items (object Company)
        • Changed property addresses (array)
          • Changed items (object Address)
            • Added property temporary (boolean)
    • Changed property corporateContractEntities (array)
      • Changed items (object CorporateContractEntity)
        • Changed property account (object Account)
          • Added property hierarchyBonusProgramReferences (array)
          • Added property openCycleInformation (object)
    • Changed property corporateEmployeeAccounts (array)
      • Changed items (object CorporateEmployeeAccount)
        • Changed property account (object Account)
          • Added property hierarchyBonusProgramReferences (array)
          • Added property openCycleInformation (object)
        • Changed property cardContracts (array)
          • Changed items (object CardContract)
            • Changed property cards (array)
              • Changed items (object Card)
                • Added property orders (array)
GET /issuers/{issuerId}/corporate-contracts/external-contracts/{issuerContractExternalReference}
Response:
  • Changed property data (object CorporateContract)
    • Changed property contractCustomers (array)
      • Changed items (object Customer)
        • Changed property addresses (array)
          • Changed items (object Address)
            • Added property temporary (boolean)
    • Changed property contractCompanies (array)
      • Changed items (object Company)
        • Changed property addresses (array)
          • Changed items (object Address)
            • Added property temporary (boolean)
    • Changed property corporateContractEntities (array)
      • Changed items (object CorporateContractEntity)
        • Changed property account (object Account)
          • Added property hierarchyBonusProgramReferences (array)
          • Added property openCycleInformation (object)
    • Changed property corporateEmployeeAccounts (array)
      • Changed items (object CorporateEmployeeAccount)
        • Changed property account (object Account)
          • Added property hierarchyBonusProgramReferences (array)
          • Added property openCycleInformation (object)
        • Changed property cardContracts (array)
          • Changed items (object CardContract)
            • Changed property cards (array)
              • Changed items (object Card)
                • Added property orders (array)
POST /issuers/{issuerId}/contracts/search
Parameters:

Changed: embed in query

Response:
  • Changed property data (array)
    • Changed items (object Contract)
      • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
      • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
      • Changed property accounts (array)
        • Changed items (object Account)
          • Added property hierarchyBonusProgramReferences (array)
          • Added property openCycleInformation (object)
      • Changed property cardContracts (array)
        • Changed items (object CardContract)
          • Changed property cards (array)
            • Changed items (object Card)
              • Added property orders (array)
      • Changed property contractCustomers (array)
        • Changed items (object Customer)
          • Changed property addresses (array)
            • Changed items (object Address)
              • Added property temporary (boolean)
GET /issuers/{issuerId}/customers/external-customers/{issuerCustomerExternalReference}/contracts
Response:
  • Changed property data (array)
    • Changed items (object Contract)
      • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
      • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
      • Changed property accounts (array)
        • Changed items (object Account)
          • Added property hierarchyBonusProgramReferences (array)
          • Added property openCycleInformation (object)
      • Changed property cardContracts (array)
        • Changed items (object CardContract)
          • Changed property cards (array)
            • Changed items (object Card)
              • Added property orders (array)
      • Changed property contractCustomers (array)
        • Changed items (object Customer)
          • Changed property addresses (array)
            • Changed items (object Address)
              • Added property temporary (boolean)
GET /issuers/{issuerId}/customers/{customerReference}/contracts
Response:
  • Changed property data (array)
    • Changed items (object Contract)
      • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
      • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)
      • Changed property accounts (array)
        • Changed items (object Account)
          • Added property hierarchyBonusProgramReferences (array)
          • Added property openCycleInformation (object)
      • Changed property cardContracts (array)
        • Changed items (object CardContract)
          • Changed property cards (array)
            • Changed items (object Card)
              • Added property orders (array)
      • Changed property contractCustomers (array)
        • Changed items (object Customer)
          • Changed property addresses (array)
            • Changed items (object Address)
              • Added property temporary (boolean)
GET /issuers/{issuerId}/companies/{customerReference}/corporate-contracts
Response:
  • Changed property data (array)
    • Changed items (object CorporateContract)
      • Changed property contractCustomers (array)
        • Changed items (object Customer)
          • Changed property addresses (array)
            • Changed items (object Address)
              • Added property temporary (boolean)
      • Changed property contractCompanies (array)
        • Changed items (object Company)
          • Changed property addresses (array)
            • Changed items (object Address)
              • Added property temporary (boolean)
      • Changed property corporateContractEntities (array)
        • Changed items (object CorporateContractEntity)
          • Changed property account (object Account)
            • Added property hierarchyBonusProgramReferences (array)
            • Added property openCycleInformation (object)
      • Changed property corporateEmployeeAccounts (array)
        • Changed items (object CorporateEmployeeAccount)
          • Changed property account (object Account)
            • Added property hierarchyBonusProgramReferences (array)
            • Added property openCycleInformation (object)
          • Changed property cardContracts (array)
            • Changed items (object CardContract)
              • Changed property cards (array)
                • Changed items (object Card)
                  • Added property orders (array)
GET /issuers/{issuerId}/companies/external-customers/{issuerCustomerExternalReference}/corporate-contracts
Response:
  • Changed property data (array)
    • Changed items (object CorporateContract)
      • Changed property contractCustomers (array)
        • Changed items (object Customer)
          • Changed property addresses (array)
            • Changed items (object Address)
              • Added property temporary (boolean)
      • Changed property contractCompanies (array)
        • Changed items (object Company)
          • Changed property addresses (array)
            • Changed items (object Address)
              • Added property temporary (boolean)
      • Changed property corporateContractEntities (array)
        • Changed items (object CorporateContractEntity)
          • Changed property account (object Account)
            • Added property hierarchyBonusProgramReferences (array)
            • Added property openCycleInformation (object)
      • Changed property corporateEmployeeAccounts (array)
        • Changed items (object CorporateEmployeeAccount)
          • Changed property account (object Account)
            • Added property hierarchyBonusProgramReferences (array)
            • Added property openCycleInformation (object)
          • Changed property cardContracts (array)
            • Changed items (object CardContract)
              • Changed property cards (array)
                • Changed items (object Card)
                  • Added property orders (array)
POST /issuers/{issuerId}/contracts/create-consumer-contract
Request body:
  • Changed property contract (object CreateConsumerContractRequest.Contract)
    • Changed property numberOfFreeCardsMembershipFee (integer-int64 -> integer-int32)
    • Changed property numberOfFreeCardsAccountSetupFee (integer-int64 -> integer-int32)

What's Deleted

 

No API deleted.

 

What's Deprecated

 

No API deprecated.

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Get Started V2

Digital Currencies

Find the right API

Browse our APIs and get a profound understanding of the value and opportunities they bring to you.
SMD APIs

Create an account

Sign up and ask for access to the API to enable the Try-out feature.
The Team

Last step before going live

Let our API team know you are ready to take the APIs into production. We will onboard you accordingly and work with you to complete the risk reviews, contracts and billing agreements.
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FIDO Wording Guidelines

FIDO Wording Guidelines

In order to promote the use of FIDO and to help standardize the user experience, the FIDO Alliance has written some guidelines about how to display information related to FIDO when using it on a website.
However, these guidelines are mainly constructed around the use of FIDO for account log-in. In the case of transaction validation and two factor authentication using WAFL, some of the recommendations are not really applicable.

You will find here what we could extract from this official documentation that is relevant to apply in our context and that we used in our demonstration.

FIDO during the user journey - Our interpretation​

  • Until the user is logged-in, no change on the website.

  • Once the user is logged-in, on the their main dashboard, advertise the fact that a new way to Authenticate payments is available, and link to the settings to enable it, but only if the device supports FIDO.
    (see how to check that in the implementation guide)
    Do not mention FIDO yet, but only biometrics.
    Use a fingerprint icon matching the user platform : Apple icon for Mac and iOS; generic icon for other platforms.

  • In the user settings, the section dedicated to FIDO activation should :

    • Use proper biometrics icon.

    • Start mentioning FIDO.

    • Offer registration only on supported device.

    • Mention that even though it is supported, it might be necessary to enable it in the device settings, and indicate how to do so. (Ex: Windows Hello can be disabled, but FIDO will appear as supported by the device)

    • Insist on the benefits of using FIDO : it's faster and it's simpler.

    • Display the FIDO logo.

    • At the bottom, add a link to display some FIDO key facts, as provided in the official guidelines.

  • During transaction validation, if the user used an other validation method, invite the user to register FIDO after a successful transaction if their device is not registered yet.

Official extracts​

Information about Security Keys​

  • What is a security key?

    A security key is a small, physical device that works in addition to your password on sites that support it. A single key can be used with multiple accounts or sites.

  • Why should I use a security key?

    Security keys protect you against imposter websites that try to steal login credentials (like usernames and passwords). Other forms of 2-factor authentication (including text, email, messages, authenticator apps, and push notifications) do not give you the same level of protection as a security key.

  • How security keys work

    You must first add security keys using the button above. Once added, you'll be required to use them after signing in with your username and password. Doing this creates one of the strongest forms of authentication available to protect your account.

    • What security technology do security keys use?

      Most keys use an authentication "standard" called FIDO® which allows for secure authentication without drivers or software. When a user signs in a website with a key, FIDO® cryptographically signs a challenge from the browser that verifies the website's actual domain name, which provides strong protection against phishing (e.g., when a fake website is used to trick users into sharing personal information). An attacker would need to control the website domain name or the browser to get a usable signature from the key.

  • Why do security keys look like thumb drives?

    Although hardware security keys may resemble thumb drives and are sometimes inserted into your computer's USB port, they are not storage devices. Your personal information is not trackable or linkable across sites or online accounts when using a security key.

  • What happens if my security key gets stolen?

    The key works in addition to your password, not as a replacement for it. If someone steals the key, they still can't get into your bank account without knowing your password (or which sites are registered with your key). You can sign in with a backup method and remove the stolen key from your account.

  • Add more than one security key

    Adding multiple security keys is highly recommended. If your security key is lost or stolen and you do not have a registered backup security key (or other backup authentication method), access to your account could be interrupted while we verify your identity. We recommend keeping one key easily accessible and another stored separately in a safe space.

  • Purchase security keys

    Security keys vary by manufacturer and can be purchased from mainly online retailers. We recommend FIDO certified keys. See a list of FIDOⓇ certified keys.

  • Name your security keys

    Give you security key a friendly "nickname" that only you can see, so you know which key you registered with this account at a later point in time.

Information about Device Unlock​

  • How device unlock works

    A technology called FIDO lets you sign in securely without relying on a password. Once you've registered your computer's PIN, facial recognition, fingerprint, or security key, FIDO verifies it's really you and doesn't transmit any of your login information over the internet.

  • Why use device unlock

    Easy, safe—and private! FIDO makes signing into your online accounts much easier, while keeping your info safe from hackers. Leading companies worldwide in retail, telecommunications, finance and technology are already using FIDO.

  • More information

    Registering with FIDO provides you with an additional login option for this device—your password remains valid.

Learn more content​

This part contains the information that could be used in any "Learn more" link, tooltip, popup to be displayed under the FIDO icon under Registration or Authentication buttons.

FIDO lets you sign in securely without relying on a password by keeping your login information securely on your device. Nowhere else.

How it works ?​

  1. A technology called FIDO lets you sign in securely without relying on a password.

  2. FIDO makes signing into your online accounts much easier, while keeping your info safe from hackers.

  3. Once you’ve registered your computer’s PIN, facial recognition, fingerprint, or security key, FIDO verifies it’s really you and doesn’t transmit any of your login information over the internet.

  4. Easy, safe—and private!

  5. Registering with FIDO provides you with an additional login option for this device—your password remains valid.

  6. Leading companies worldwide in retail, telecommunications, finance and technology are already using FIDO.

FIDO Facts content​

This part contains some facts elaborated after some studies involving final users that are designed to improve trust in FIDO.

  • FIDO is a technology built into all leading desktop devices (PC and Mac) and browsers, that allows users to sign in securely without a password.

  • In the same way your phone uses a biometric, FIDO now enables biometric sign-in on websites viewed on your desktop too.

  • FIDO makes sign-in easy, safe, and private!

  • FIDO technology uses your computer’s built-in authentication method (i.e., Windows Hello or Apple Touch ID) to ensure your sign-in information stays safe from hackers because it never leaves your computer.

  • Once you’ve registered your computer’s PIN, facial recognition, fingerprint, or security key, FIDO verifies it’s really you and doesn’t transmit any of your sign-in information over the internet.

  • Registering with FIDO provides you with an additional sign-in option for this device — your password remains valid.

  • Leading companies worldwide in retail, telecommunications, finance, and technology are already using FIDO.

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Authentication Services portfolio

Authentication Services Portfolio

 

- We put safety first.

 

When dealing with sensitive data and handling payments, you need strong digital security measures that fit seamlessly within your user experience. We offer world-class secure payments, authentication and anti-fraud solutions that protect from fraudulent activity and meet both local and global regulations so that you - and your users - can rest easy. 

portfolio

 

portfolio2

 

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Using Worldline FIDO WebAuthn in your Website

Using Worldline FIDO WebAuthn in your Website

To make things easy for the frontend work, we provide a file wrapping the main Java APIs of the Relying Party Server in JavaScript : api.services.ts
It will provide APIs to register / authenticate with WAFL on the Relying Party server.

 

Checking availability​

To avoid providing a frustrating user experience, it is recommended to check that the device used is compatible with FIDO before inviting the user to register or authenticate with it. To ensure that the Web context supports the use of FIDO, you can use

isWebAuthnSupported(): boolean

And to check that the device supports a Platform Authenticator you can use

async checkPlatformAuthenticatorAvailable(): Promise<boolean>

Note that a Cross-Device (such as Yubikey) or Roaming (mobile) authenticator cannot be used if the device doesn't have Platform Authenticator and you use this check.

OS Specific check​

As mentionned in our FIDO Wording Guidelines page, when inviting the user to register or authenticate, it is recommended to show a biometric icon related to the platform. To do so, we have a simple isAppleHardware()that can be used to switch between Apple and generic icons.

Worldline FIDO enrolment

async waflRegistration(username: string, displayName: string, friendlyName: string): Promise<boolean>

To be able to provide FIDO authentication for transactions to your users, they first need to register the devices they want to use. This can be done by calling the above method with parameters :

  • username : the technical username of the user account.

  • displayName : the name that will appear in the FIDO authentication request shown by the browser.

  • friendlyName : the name of the registered authenticator, to be displayed in Self-care interface.

It will return whether the registration succeeded or not.

Worldline FIDO Authentication

async waflAuthentication(username: string): Promise<boolean>

To authenticate a user, simply call this method with :

  • username : the technical username of the user account.

It will return whether the authentication succeeded or not.

Self-care​

Our small API wrapper also provides the necessary APIs to allow the users to manage their authenticators from their account settings in your website.

 

Describing an Authenticator​

Our API file exposes the class AuthenticatorDescriptor which maps the data retrieved from the server to an object with following members :

id: string;  // The internal/technical ID of the authenticator
createdAt: string;  // The creation Date as a YYYY-MM-DD HH:MM:SS.XXXXXX
description: string;  // The official description of the Authenticator
                      // ex: "Windows Hello Hardware Authenticator"
friendlyName: string;  // The friendly name choosen by the user

Listing Authenticators

async getAuthenticators(username: string): Promise<AuthenticatorDescriptor[]>

Calling this method will return a all registered authenticators for the specified user as an array of AuthenticatorDescriptor.
If the user did not register at least one authenticator (ie: the user is not know on the WAFL backend yet) or if there is any issue in processing the request, it will throw an Error.

 

Renaming an authenticator

async renameAuthenticator(username: string, friendlyName: string, authId: string): Promise<boolean>

To rename an authenticator, use this method with parameters :

  • username : the technical username of the user account.

  • friendlyName : the new name of the authenticator.

  • authId: the technical ID of the authenticator, as provided by the getAuthenticators() API.

It will return whether the renaming succeeded or not.

 

Deleting an authenticator

async deleteAuthenticator(username: string, authId: string): Promise<boolean>

To delete, or unregister, un authenticator for a user, call this method with parameters :

  • username : the technical username of the user account.

  • authId: the technical ID of the authenticator, as provided by the getAuthenticators() API.

It will return whether the deletion succeeded or not.

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Issuing solutions

A quick tour of Worldline issuing solutions

In today's fast-paced digital world, financial institutions are constantly looking for innovative ways to enhance their customers' experience and add value. One such way is to leverage APIs that enable seamless integration between different systems and applications. In this context, discover how our APIs can help you create value for your cardholders and provide them with a more comprehensive and personalized service.

 

 

Discover how you can utilize our APIs to generate benefits for your cardholders :

Our issuing use cases

stock10

Instant Card Issuing

Create a card on the fly and enable online or in-store payments straightaway
stock16

Buy Now Pay Later

Split selected purchases into smaller payments
stock23

Card control

Enable the cardholder to set spending limits, block some merchants or countries, etc.
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Release Notes: REST API V2 - 2.10.0

REST API V2 - 2.10.0

  • Version 2.9.1 to 2.10.0
  • What's New
  • What's Changed
  • What's Deleted
  • What's Deprecated

What's New

Reset the balance of an account by external reference (beta)

POST /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/reset-balance

The API is used to Reset the balance of an account. As an input, the account identifier can be provided by using: - the account reference generated by WL - or the issuer external account reference

Reset the balance of an account (beta)

POST /issuers/{issuerId}/accounts/{accountReference}/reset-balance

The API is used to Reset the balance of an account. As an input, the account identifier can be provided by using: - the account reference generated by WL - or the issuer external account reference

Search Event Stores

POST /issuers/{issuerId}/event-stores/search

Event stores contain comments or business events that can be generated by applications (CMS, authorization server, customer service GUI,..) part of our solution. This API enables to retrieve the list of events associated to provided set of business reference types and a business reference values for given period of time. A business reference types correspond to a business domain like a CONTRACT, CARD, ACCOUNT whereas a business reference values list for each provided type can be typically a card, account, card contract reference. This API is mainly used currently to get the comments linked to a business reference value (e.g a given card identifier)

Cancel scheduled change of paying account type (beta)

POST /issuers/{issuerId}/corporate-contracts/{contractReference}/cancel-change-paying-account

Cancel scheduled change of paying account type

Cancel scheduled change of paying account type by external reference (beta)

POST /issuers/{issuerId}/corporate-contracts/external-contracts/{issuerContractExternalReference}/cancel-change-paying-account

Cancel scheduled change of paying account type by external reference

What's Changed

Retrieve future changes for the account by external reference

GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/account-future-updates/{creationDate}
Response:
  • Changed property data (object AccountFutureUpdate)
    • Added property paymentMode (string)

Retrieve future changes for the account

GET /issuers/{issuerId}/accounts/{accountReference}/account-future-updates/{creationDate}
Response:
  • Changed property data (object AccountFutureUpdate)
    • Added property paymentMode (string)

Schedule new account parameters update in future by external reference

POST /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/account-future-updates
Request body:
  • Added property paymentMode (string)

Retrieve list of future changes of the account by external reference

GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/account-future-updates
Response:
  • Changed property data (array)
    • Changed items (object AccountFutureUpdate)
      • Added property paymentMode (string)

Retrieve list of historic updates of an account by external reference

GET /issuers/{issuerId}/accounts/external-accounts/{issuerAccountExternalReference}/account-history
Response:
  • Changed property data (array)
    • Changed items (object AccountHistory)
      • Added property sepaMandate (boolean)
      • Added property sepaMandateStatus (string)

Schedule new account parameters update in future

POST /issuers/{issuerId}/accounts/{accountReference}/account-future-updates
Request body:
  • Added property paymentMode (string)

Retrieve list of future changes of the account

GET /issuers/{issuerId}/accounts/{accountReference}/account-future-updates
Response:
  • Changed property data (array)
    • Changed items (object AccountFutureUpdate)
      • Added property paymentMode (string)

Retrieve list of historic updates of an account

GET /issuers/{issuerId}/accounts/{accountReference}/account-history
Response:
  • Changed property data (array)
    • Changed items (object AccountHistory)
      • Added property sepaMandate (boolean)
      • Added property sepaMandateStatus (string)

What's Deleted

 

No API deleted.

What's Deprecated

 

No API deprecated.

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Introduction doc

Introduction Acquiring Processing Product Services

 

Worldline Financial (WL FS) is the largest payment processor in Europe with over 12 billion acquiring processing transactions per year and continues to scale-up rapidly.

 

Acquiring Processing

 

Worldline Financial Services offers acquirers a full set of product services to outsource acquiring processing for international brands.

Our products cover the complete acquiring processing value chain from card Acceptance & Authorization Switching, to Clearing and Merchant Settlement.

 

Modular outsourcing concept

 

Base Transaction processing has the following main product modules:

  • Front Office - Host Acceptance & Authorization Switching to the Issuer
  • Back Office - Card Scheme: Clearing, Settlement and Reconciliation

  • Scheme & Regulatory Compliance services - Worldline FS offers its acquirers services to help comply with scheme rules and regulatory requirements.

 

On top of Acquiring Base Transaction Processing services Worldline (WL) Financial Services (FS) offers a comprehensive set of Modular Processing services.

  • Merchant Management - Merchant level
  • Acquiring Data Services - Acquirer level
  • Dispute Management
  • Fraud and Risk Management
  • Value Added Services

 

 

BASE TRANSACTION PROCESSING

 

Front Office: Acceptance & Authorization (CNP & POS)

Worldline FS offers a variety of card transaction processing products that enable Acquirers and their customers to accept a wide range of card products and brands. Payment channels include: Chip & PIN, Mobile & Contactless, Credential-On-File. Security standards include magstripe, EMV (uses EMV chip and NFC chip), Tokenization (MDES), EMV 3-D Secure v2.0.

The processing of card transactions is divided into two basic generic product services that cover the main volumes of card transactions: Acceptance on the host and Authorization switching to the Issuer. Transaction acceptance processing includes online & offline for eCommerce (Card Not Present) and POS card transactions on the host. Authorization Switching is via the card scheme network to the Issuer (unless otherwise stated in the services).

In addition to the basic card processing products, Worldline FS offers additional services to support extra functionalities. These services comprise the support of additional network protocols, terminal-to-host protocols, host-to-host protocols, offline transactions, premium brands (AMEX, etc.), non-standard transactions (Cash Advance, DCC, etc.).

ATM processing products are part of Value Added Services.

 

Supported card brands

 

 

Scheme: Clearing, Settlement and Reconciliation (Back Office)

The Acquiring clearing portfolio is a comprehensive portfolio of services that offer Acquirers an efficient means of processing card payment transactions into actual Merchant bookings.

As an Acquiring processor, Worldline FS offers Acquirers a range of services geared towards settlement with both the Merchant and the Schemes or Issuers.
In-cloud transaction settlement between the Acquirer and Issuer can be performed if both parties are directly connected to Worldline FS and a bilateral agreement is made between those parties.
Out-cloud transaction settlement between Acquirers and Issuers must be performed by a third-party. Worldline FS provides a clearing file to the Schemes or third-parties for the settlement of these transactions.

 

Scheme and Regulatory Compliance

In the fast-paced payments industry schemes and regulators are continuously changing regulations and reporting requirements.

Worldline FS offers its acquirers many services to help comply with scheme rules and regulatory requirements.

 

 

MODULAR PROCESSING SERVICES

On top of Acquiring Base Transaction Processing services Worldline (WL) Financial Services (FS) offers a comprehensive set of Modular Processing services.

 

Merchant Management - Merchant level

The Worldline FS (Back Office) Merchant Management cluster offers full and final merchant settlement based on WL FS: scheme clearing, scheme settlement files, merchant pricing engine, and merchant configuration as stored in the merchant contract system.

The Merchant Settlement module is where WL FS converts scheme clearing and settlement input files into a booking per merchant account in SCT/SDD format for the acquirer.

The Merchant Pricing Engine calculates transaction & service fees based on different pricing models.

The Worldline FS merchant contract management system stores Merchant Information such as merchant contract configuration, applicable pricing model, configured fees, and merchant settlement account.

 

Acquiring Data Services - Acquirer level

The Worldline FS Acquiring Data Service cluster offers RESTful API services to facilitate speedy direct integration of acquirers and their third party customers such as PSPs or large merchants.

The Accept Transactions API enables CNP and POS acceptance via a host-to-host connection to the WLP FO Front Office services. In addition, there is an API service to retrieve near real-time the transaction acceptance status (authorized, captured etc.).

Merchant Management (contract API) allows you to manage and retrieve your own merchant contracts in the Worldline FS acquiring merchant contract database. For third party customer's (e.g. PSP, PayFac, Merchant) retrieval and limited updating is available in agreement with your acquirer.

Back Office retrieval APIs are available for the following types of data: Transactions, Merchant Payments, Merchant contracts, Interchange, Statements (Merchant Reconciliation), Analytics.

To facilitate human interaction with the data, Worldline FS has several User Interfaces that give insight into different types of data: Acquirer Portal, Merchant Portal.

Bulk data is provided to acquirers via 3 main omni-channel Data Warehouse feeds: Authorizations, Clearing, Merchant Payments.

Worldline FS also offers Accounting and Reporting services such as: General Ledger, Financial reports, Custom reports. Regulatory reports and Scheme reports can be found in scheme and regulatory compliance.

 

Dispute Management

As Acquirer processor Worldline offers acquirers several services to support the different dispute resolution processes of the supported Schemes.

 

Risk and Fraud management

Worldline FS Risk and Fraud management cluster offers fraud analysis, investigation and monitoring for suspicious behavior.

 

Value Added Services

Value Added Services cluster includes: ATM, Merchant VAS, DCC, Mobile Top-up, Loyalty programs, Acquirer and Merchant Support, POS Terminal Package, Partnership Models.

 

 

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Platform Components

Platform Components

Worldline Open Banking products are developed on top of Worldline Open Banking Platform.

All products wrapped up on one central interface supported by user friendly bank selection dialogue - we offer simplified access to 3500 banks.

Want to learn more on Open Banking Products? Switch to Open Banking Products

The Open Banking Platform consists of several components, that you might use depending on the product:

  • Access Management Module to define who can access Open Banking Services. We setup your access rights during onboarding phase while you can manage the access rights of your clients (aka initiating parties) if applicable.

  • Authorization Module to provide your public certificate and retrieve authorization token.

  • Open Banking API to pull account data and initiate payments using your or Worldline's PSD2 license.

  • Reach directory to review a list of supported banks and implementation differences between the banks.

  • Predefined Bank Selection Interface for better user experience and faster go live.

  • Push Notifications API to get notified on events that you subscribed for (e.g. payment status change).

  • Back Office allowing to onboard and manage your clients, view transactions and create refunds.

  • Credit Scoring Dashboard allowing to search credit scoring requests and view data used for the calculation. 

  • Refund API helping merchants to issue account based refunds for a payment processed via Open Banking API.

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SEPA Payment Suite

SEPA Payment Suite

You already had a closer look on our Open Banking products and would like to learn more on the SEPA Payment Suite?

Single European Payment Area (SEPA) Payments are managed in Worldline by SEPA Payment Suite (SPS) and Payment Gateway. Non-SEPA Payments are managed by Payment Gateway. SPS is the component managing the SEPA relevant transactions and interacts mostly with IBO and Payment Gateway. SPS only manages the SEPA Payments as the name suggests. The main functions of SPS are:

  • Mandate Management

  • SEPA Direct Debit Management

  • SEPA Credit Transfer Management

  • SEPA Payment Collection

  • Aggregation of SDDs into PAIN 008 and SCTs in PAIN 001 files

  • R-Transaction Management

Learn more? Please consult the API description.  

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