Release announcements

Changes in the upcoming release

Implemented advanced fees functionality. It allows fees configuration along with the dynamic conditions so that fees can be applied based on the configured conditions. For this we developed several new APIs. For more information refer to this document.
Implemented new enums for the "transfer_type" parameter, enabling the system to differentiate whether a transfer occurs between the user's OWN account/wallet or not. For more information refer to this document. Also added a new "transfer_type" field in TRANSACTIONS webhook.
Added a new "consumed_limit" and "consumed_frequency" fields for velocity limits and advanced velocity limits in the response of 'Get card limits info' API.
Several internal enhancements have been implemented, which do not significantly impact the current implementation for clients.

Release Notes (15/04/2024)

Introduced a new "allow_overdraft" field in Charges APIs, the default value is 'false'.
Added a new "allow_initial_load" field in "auth_settings" and "currency_settings" of a card product with default value of 'false'.
Introduced a new "allowed_load_type" parameter under "wallet_details" in Accounts APIs.
Added a new parameter "group" with a default value of "SINGLE" in Advanced velocity limits APIs.
Several internal enhancements have been implemented, which do not significantly impact the current implementation for clients.

Release Notes (26/03/2024)

Several internal enhancements have been implemented, which do not significantly impact the current implementation for clients.

Release Notes (12/03/2024)

We've made improvements to our Courier Reports by including information on delays. This addition is designed to provide clients with insights into the reasons for delayed card deliveries, giving them the ability to address issues independently and bypass the need to raise tickets for resolution.Column Name: "Reason of Delay".
Several internal enhancements have been implemented, which do not significantly impact the current implementation for clients.

Release Notes (28/02/2024)

Two new APIs have been developed: "Get advanced velocity limits related to card product" and "Get advanced velocity limits linked to card." These APIs allow you to retrieve a list of advanced velocity limits for a specific card product or card.
A new webhook event, "ACCOUNT_STATUS_CHANGE," has been added. This event allows you to be notified whenever the account status changes, enabling you to take appropriate action. A sample webhook can be found here.
The "Change user status," "Change card status," and "Change account status" APIs now include a new optional parameter called "modified_by." This parameter helps identify the user who executed the operation.
Several internal enhancements have been implemented, which do not significantly impact the current implementation for clients.

Release Notes (31/01/2024)

New status reason codes (A3, S3 to S6, T7 to T18) introduced in the Cards resource (to be utilized by NymCard). Refer to the API Catalog for more details.
A new API "Get card limits info" developed to fetch the limits associated with the card.
Implemented several internal enhancements, which have no major impact on client's current implementation.

Release Notes (17/01/2024)

Enhanced functionality: clients can now create SMS templates based on wallet providers. Please be aware that the "wallet_provider" field is specifically applicable for the ITSP_OTP category type. The available enums for "wallet_provider" include APPLEPAY, SAMSUNGPAY, and GOOGLEPAY. Additionally, clients have the option to add a custom email OTP template using a new "email" parameter. For detailed information refer to the "Notification templates" section in our API catalog.
Now clients can define new placeholders - CARD_NAME, FINTECH_NAME to use in SMS text in Notification templates APIs. It is applicable for ITSP_OTP category only. CARD_NAME placeholder will read from the description field of the card product to which the card belongs.
"quote_id" field (if available) is now returned in the response of 'Get transaction details' and 'Search for transactions' APIs.
"transaction_id" field is now returned in the response of 'Get list of FX rate quotes' and 'Get specific FX rate quote' APIs (applicable when status of the quote is BOOKED).
Introduced new "card_type" field (with enums PHYSICAL, VIRTUAL) for Card Bulk Issuances APIs, so now you can create both physical and virtual bulk cards.
Added a new global setting related to abandoned tokens for VISA tokenization service, ensuring that webhooks are generated when a user does not complete the provisioning process within the allowed timeframe (24 hours).
Added two new enums (TRANSFER_TYPE & PURCHASE_TYPE) in 'conditions' array 'type' parameter in Advanced Velocity limits APIs, so now there is an option to configure separate velocity limit for TRANSFER_TYPE and PURCHASE_TYPE.

Release Notes (19/12/2023)

Introduced support of custom fields in Users APIs to add some additional fields as per business needs. Custom field object will be returned in the response of Users APIs.
Added a new "reference_number" field to the response of 'Get transaction details' and 'Search for transactions' APIs. This field is intended for reporting needs.
Added a new 'Validate card PIN' API to enable the validation of user PINs through an API. This modification has no impact on clients' integrations.
Implemented several internal enhancements, which have no major impact on client's current implementation.

Release Notes (05/12/2023)

For digital wallets (ApplyPay, SamsungPay & GooglePay), a user is limited to a maximum of 10 tokens per card from the respective wallet providers (Terminated tokens are excluded).
Please be aware that transfers, load/unload, DAPI, and LEAN direct API flow will be declined if either the sender's or recipient's user status is not ACTIVE.
Take into account that a card is temporarily blocked for 24 hours for provisioning if the user makes five consecutive invalid CVV2 or expiry attempts.
Implemented several internal enhancements, which have no major impact on client's current implementation.

Release Notes (22/11/2023)

From now on, notifications for 'near expiry'/'expired' documents will be triggered only for Onfido documents. USER_DOCUMENT_ALERT webhook is used for this. For documents added via the upload APIs, it will be handled in upcoming releases.
Implemented several internal enhancements, which have no major impact on client's current implementation.

Release Notes (07/11/2023)

Added changes to TRANSACTION webhook; below you can find new fields related to card tokens:

"token_details": {              
    "wallet_identifier": "APPLEPAY",
    "token_number": "458965212585236",
    "token_type": "01",
    "device_details": {
      "device_type": "MOBILE_PHONE"
    }
  }

Implemented several internal enhancements, which have no major impact on client's current implementation.

Release Notes (25/10/2023)

Added several new optional parameters to the 'Users' APIs, so that you can store and get this information against each user:
- new field "education_level"
- new field "nearest_place" under existing object "address"
- new field "nearest_place" under existing object "company_address"
- new field "created_by" (unique ID of the agent who will be onboarding the INDIVIDUAL user)
Added a new field 'is_cancelled' in TRANSACTION webhook to indicate whether the auth transaction is cancelled and funds are credited back to cardholder (needed for a new payment scheme to be supported).
Added ability to configure advanced velocity limits, which allow you to add additional configurations such as merchants (i.e. categories or identifications) in velocity limit profile, so that you can configure velocity limit profile that is applicable for specified configuration. You can find related APIs here.
Implemented several internal enhancements, which have no major impact on client's current implementation.

Release Notes (11/10/2023)

Added 2 new parameters 'charge_type' and 'ids' to 'Get list of charges' API, so now you can fetch charges list by charge type or charge IDs.
Added new enums ‘ADDITIONAL_PAGE_1' & 'ADDITIONAL_PAGE_2' for 'file_identification_document_type’ parameter in User Identification APIs, so it can be stored and returned for uploading identification files. Note, that 'file_identification_document_type' remains optional for 'file_identification_type' : ADDITIONAL.
Implemented several internal enhancements, which have no major impact on client's current implementation.

Release Notes (26/09/2023)

DAPI direct API flow enhancement: Upon calling DAPI flow with HOLD transaction type, a proper error message is returned in case of insufficient funds in the pool account (error: Prefunded account has insufficient funds).
Implemented several internal enhancements, which have no major impact on client's current implementation.

Release Notes (12/09/2023)

Implemented several internal enhancements, which have no impact on client's current implementation.

Release Notes (29/08/2023)

Implemented several internal enhancements, which have no impact on client's current implementation.

Release Notes (17/08/2023)

Enhancements:

Onboarding / User Verification: Know which IDV/KYC provider is being assigned and to which category or check. For that purpose, a new API has been developed to retrieve some information related to user verification settings. See the below example:

{
  "user_verification_settings": {
    "KYC": [
      {
        "category": "all",
        "provider": "worldcheck"
      }
    ],
    "IDV": [
      {
        "category": "NATIONAL_ID",
        "provider": "onfido"
      }
    ]
  }
}

Cards & Accounts: Introduced new "is_account_linked" parameter in Cards APIs to indicate whether the card is linked to an account or not.
Onboarding / User Verification: Users' documents of issuing country other than that of the issuer country is being verified and accepted. That explains the purpose of the new validation being implemented. To cater to that changes, new user status reason codes [“status_reason_code”: B9, B9E, B10, B10E] are introduced. A new validation has been implemented to verify if the issuing country of the identity document matches with the issuer country (system level). If not, user will remain in PENDINGIDVERIFICATION status and will take on status_reason_code of B9 in case Onfido report is CLEAR; Otherwise, it is a B10. For more info refer to this document.
Business User Onboarding: Introduced new 'optional' fields in Users APIs for "user_type" = BUSINESS to capture related information for compliance reasons:

"estimated_activity_through_nymcard"
"expected_number_of_cards"
"expected_use_of_ncs_services"

Transactions / Webhooks: Added two new fields in TRANSACTION webhook for Incremental Authorization:

"incrementalTransaction"
"isPreAuth"

Scheme Transactions: Transaction processing (authorization) is influenced by the below two settings being set to "false" at the system level. Meaning, regardless of the assigned value (true or false) at product or card level, the corresponding transaction will not be approved.

"allow_chip_fallback": false,
"allow_account_verification_without_CVV": false

Users: Change in the length of "shareholder_list" field in Users APIs - now accepts up to 50 shareholder ids to be linked.
Users: Change in the length of "share_controller_name" field in Users APIs - accepts up to 100 characters now.
Account Termination: Added account termination rule: If an auth is partially reversed and its clearing is not received yet, then that particular auth is considered to be a pending auth and therefore, the account cannot be terminated. Bug-fix:
Card status correction: The correct "status_reason_code" I3 is now reflected in Cards APIs for a card created without an account but with an embossing already generated.

Release Notes (19/07/2023)

Added a new field 'title' to User Documents APIs. It is used during identification creation and the system can store 'title' and return it with identification document information.
Introduced several new status reason codes regarding a mechanism for IDV re-verification for INDIVIDUAL users who are already verified but their documents have either expired or about to expire. For more info refer to this document.
Added multi-currency functionality. You can find details in this document. Also you can find related APIs here.

Release Notes (20/06/2023)

Introduced a new ‘type' parameter (with enums HOLD, POST & RELEASE), which gives ability to identify for which status the TRANSACTION webhook is triggered. It is added to the response of 'Get transaction details' and 'Search for transactions' APIs. Also, it will be added to Transaction webhook.
Implemented several other internal enhancements, which have no impact on client's current implementation.

Release Notes (06/06/2023)

Implemented several internal enhancements, which have no impact on client's current implementation.

Release Notes (26/05/2023)

"note" field is now returned in TRANSACTION webhook for "transaction_type": "WALLET_CREDIT" & "WALLET_DEBIT". You can find webhook samples here.

Release Notes (23/05/2023)

Implemented several significant enhancements regarding Fees. For more information please refer to this document.
Added six new APIs to manage charges, namely card issuance charges, which can be applied when physical or virtual cards are issued to cardholders for the first time. For more information regarding Charges refer to this document.
Developed four new APIs to manage external bank account details so that these details can be used to execute the external transfers:
Added a new "messageReasonCode" field to TRANSACTION webhook (message_type = AUTHORIZATION, transaction_type = REVERSAL_ADVICE). This field explains why the acquirer is rejecting authorization.
Added an extra validation check on date of birth (DOB): DOB retrieved from Onfido should match the DOB in the user profile. For this we added a new enum to 'status_reason_code' parameter - “B7” (Date of birth consider). Note, that B7 validation is skipped in case date of birth (DOB) is not present in the user profile.
Increased the size of the 'business_activities' field to 1000 characters in 'Users' APIs.
"sender_user_id" parameter is now returned in the response of 'Get list of transfers' & 'Get specific transfer' APIs.

Release Notes (18/04/2023)

Added "sender_user_id" parameter to the response of 'Search for transactions' API when searching for WALLET_TRANSFER transactions. Also, "sender_user_id" is added as a transaction search filter.
Implemented enhancement for MPGS - whenever a session or transacting is created via MPGS, a proper fintech name will now appear instead of“NymCard Payment LLC” as a merchant name.

Release Notes (04/04/2023)

Added new enum for ‘status_reason_code’ parameter in 'Perform KYC of user' API. New enum is C1 (INCONCLUSIVE). In case you receive this reason code, it means that the user account is on hold.
Fixed an issue with "allowed_mccs_id" parameter, which is now returned in the response of 'Update card product' API.

Also be aware, that some enhancements will be added to API catalog later, when full features will be implemented. But these changes have impact on current implementation, so please get acquainted with all details in this document.

Release Notes (21/03/2023)

Features and improvements:

Implemented several vital enhancements for MCC list management. We strongly recommend to get acquainted with all details in this document.
Added 'auth_settings' parameter to responses of the following APIs: 'Get list of cards', 'Get card details' and 'Change card status'.
Added new 'Create account token' API, which is used to create an account token for external transactions that are initiated from third parties.
Implemented enhancement for DAPI smart flow - now system supports 'note' field in URL parameters for transfer funds through DAPI widget so that you can pass 'note' as a customized information.
Added possibility to change 'allowed_mccs_id' parameter on a card level using 'Update card authorization settings data' API.

Release Notes (09/03/2023)

Features and improvements:

Implemented enhancement regarding webhooks - "sender_user_id" parameter is now received in TRANSACTION (for WALLET_TRANSFERS) webhook. Also, "sender_user_id" is returned in the response of "Get transaction details' API when passing the ID of a WALLET_TRANSFER transaction.
Fixed an issue when cardholder "enc_name" was displayed on the PCI widget instead of "name_on_card".
Fixed an issue when issuer fees were charged for the refunds transactions.

Release Notes (16/02/2023)

Features and improvements:

Added a new parameter - “type” to the 'Create card product' API. This field indicates the type of card product (value should be 'PREPAID'). Also it is added to the responses of 'Get card product' and 'Get list of all card products' APIs.

Release Notes (02/02/2023)

Features and improvements:

Added ability to simulate (pre-defined successful) user’s status and to proceed for completing the user verification process ( for KYC and IDV) on the test environments (DEV, Staging, Sandbox, UAT). Also you can find the respective webhook changes in this document.
Added "source_channel" & "notes'' parameters to responses of ‘Transfers’ and ‘Transactions’ APIs in order to get some additional transaction’s information. Also these two parameters are added to the sample of "TRANSACTION" webhook.
Added ability to search and get the balance inquiry transaction details as well in addition to the other transactions. Also you can find a "BALANCE_INQUIRY" webhook sample here.
Fixed an issue with fees - fee in declined transactions is now returned in 'Get transaction details' and 'Search transactions' API responses and in 'TRANSACTION' webhook.

Release Notes (19/01/2023)

Features and improvements:

Added a new webhook event - 'EXPIRED_AUTH',so now you can configure the webhook for expired authorizations to be aware whenever an authorization is expired by the system. Webhook sample you can find in this GSG doc. Also four new related parameters “auth_expired_by“, “auth_expired_at”, “is_reversed“ and “is_settled“ are added to Transactions APIs.
Added ability to cancel bulk card issuance request: for this new enum "CANCELLED" is added to the 'status' parameter in 'Card Bulk Issuances' APIs. Note, that this functionality can be used only when bulk issuance card request is in status "DRAFT". If the bulk issuance request is "SUBMITTED", then it can not be modified any more.
A new "status_reason_code" - "O1" (reason: Other) is now supported for user status change. It is used by our internal APIs to clarify user status change to SUSPENDED or TERMINATED in case the reason is other than the ones we already support in our API Catalog.
Added a new "fee_details" parameter in 'Fund transfers' and ‘Transactions’ APIs responses, so that you can have more detailed information of all associated charged fees. Also this new "fee_details" parameter is added to TRANSACTION webhook sample.
Added a document to the Getting started guide, where you can find examples of notifications, which you can use in SMS in 'Create template' API.
Fixed an issue when wallet transfer was declined with max amount limit reached.
Fixed an issue when ‘status_reason_code’ parameter was missing in TRANSACTION webhook for WALLET_TRANSFER ‘transaction_type’ for declined MPGS transaction.
Fixed an issue when user with CLEAR report from Onfido was changed to B1 status.
Fixed an issue when user report was not retrieved in user IDV report APIs.

Release Notes (04/01/2023)

Features and improvements:

Added new ‘Get user verification by reportID’ API, which gives an opportunity to see the customer’s identification report by ‘report_id’, so that you can get the detailed report information with possible respective failure reason details.
Added new 'Get encrypted card details' API, which helps to generate encrypted card details so that you can use encrypted card details in VISA SDK inApp provisioning flow for tokenizing the card.
Increased file upload size from 20Mb to 128Mb for 'Upload single image of identification' and 'Upload user identification' APIs.
Added new KYC status reason code 'T0' to 'User KYC' APIs, which informs when KYC process failed due to timeout or other technical issue on WC side. Upon receiving the T0 status for the KYC, you need to trigger perform KYC again.
Added new tags <MERCHANT_NAME> and <TRANSACTION_AMOUNT> which you can use in SMS in 'Create template' API (along with existing tags <CARD_LAST4_DIGITS> and <OTP>).
Fixed an issue with MPGS credit card transaction, when amount deducted from credit card was not the same amount credited to NymCard account.
Fixed an issue when 'user_type' was missing in the 'User status change' webhook received upon changing user status from "PENDINGIDVERIFICATION "B4" to "PENDINGKYC" "I0" or "ACTIVE" "I0".
Fixed an issue with changing user status from ACTIVE to PENDINGKYC.
Fixed an issue with constraint violation when performing KYC.
Fixed an issue when users were not moving to World check during performing KYC.

Release Notes (15/12/2022)

Features and improvements:

Changed length of the 'name_on_card' parameter from 32 to 20 characters in Cards APIs so that same length can be matched with embossing export format.

Release Notes (05/12/2022)

Features and improvements:

Added new 'Get balance limits linked to account' API, which helps to retrieve the list of balance limit ID(s) linked to the account.
Added new 'Get user's IDV report details' API, which helps to get the detail information of customer’s identification report.
Implemented enhancements for DAPI widget - now you can skip country and bank selection step and go straight to the credentials in case of adding/linking a new bank or to fund transfer step. For more details refer to the GSG documentation.
Added new 'billing_amount_account', 'billing_currency_account' and 'conversion_rate_billing_account' parameters to 'Get transaction details' and 'Search for transactions' APIs, so you can fetch billing currency and amount applied on the account and understand clearly in which currency the billing amount is charged.
Added ‘source_channel’ parameter to the Fees APIs. Possible values are MPGS, DAPI or ANY (default). It gives an opportunity to choose an appropriate channel, so that fee for every channel can be applied accordingly. This parameter is currently applicable for ‘transaction_type’ = TRANSFERS only. Also added ability to post fee on recipient account instead of sender account, so you can charge the transfer funds fee to recipient instead of sender. For more details refer to the GSG documentation.
Fixed an issue when card ID was missing in the 'TRANSACTION' webhook for declined transactions.
Fixed an issue when ‘CARD_STATUS_CHANGE’ webhook was not received upon changing the card status to ‘SUSPENDED’ due to max. number of pin retries attempts.
Fixed an issue with appropriate response code mapping regarding system errors. More info about transaction status codes you can find here .