Payment Init

API Products

Availability of Funds

Confirmation on the availability of funds, enables you to check in real time if your clients have enough available funds.

API Description

Why should I integrate the Availability of Funds API?

If you are a card issuer, the Confirmation on the Availability of funds, gives you the possibility to check in real time before you authorize card transaction to the acquirer or merchant, if your clients have enough available funds to honor a purchase the are doing.

With this API you may reduce the risk of being unable to recover the funds from your clients, after having guaranteed a payment to an acquirer or merchant.

Overview

Confirm Funds with your client's Bank

Issue Cards

Issue Cards

This API can be accessed by authorized TPPs: PISPs and/or CBPIIs. CBPIIs are card issuers that do not hold the payment account of the User.

Account Check

Account Check

The TPP asks through this API for the Payment Account associated with the card, if a certain amount is available.

Customer Authentication

Customer Authentication

The Bank asks for the authentication of the client (SCA), and the User consent, and after confirmation of the User, then sends a Yes/No answer.

Proceed Operation

Proceed Operation

The TPP can then continue with the card operation, according to its business model. (eg. In an ecommerce Use Case, for confirming that there are enough funds on the payment account to support a certain transaction).

What are you waiting for?

To start exploring this API, go to the Sandbox.

See also

MB Way

With MB  WAY Purchase API, Merchants can add the MB WAY Checkout Payment on their online store.

Learn More