Card renewal and replacement

This guide describes how the card renewal and card replacement process works on Banking.live.

Let's start with the 2 options we have

• Replacement: (new pan + new token + new expiry generated)
• Renew: (old pan + old token + new expiry generated)

How this is translated in the Card renew/replace API endpoint, is by the card_action field

• "card_action": 1 : Replacement (new pan + new token + new expiry generated)
• "card_action": 2: Renew (old pan + old token + new expiry generated)

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A card expires on the last day of the expiry month i.e. a card with expiry 03/27 can still be used on the 31st March 2027.

Renewing a card

If you wish to renew a card (old pan + old token + new expiry generated):

1. Call Card renew/replace API endpoint and make sure the specific fields are set correctly;
   1. "card_action":should be set to 2 : Renew (old pan + old token + new expiry generated)
   2. "status_nwk": should be set to 1005 : Decline all txns DE39=05
   3. "tok_flags":should be set to the desired state as per your card product offering
2. Once the cardholder receives the card, call Set card status API endpoint and make sure the specific fields are set correctly;
   1. "status_nwk": should be set to 1000 : Fully operational DE39=00
   2. "action": should be set to 2 : card status change once any card is renewed

Replacing a card

If you wish to replace a card (new pan + new token + new expiry generated):

1. Call Card renew/replace API endpoint and make sure the specific fields are set correctly;
   1. "card_action":should be set to 1 : Replacement (new pan + new token + new expiry generated)
   2. "status_nwk": should be set to 1005 : Decline all txns DE39=05
   3. "tok_flags":should be set to the desired state as per your card product offering
2. Once the cardholder receives the card, call Set card status API endpoint and make sure the specific fields are set correctly;
   1. "status_nwk": should be set to 1000 : Fully operational DE39=00
   2. "action": should be set to 1 : Normal card status change.

Renewal and replacement tips

• If you require the new card to be active only for e-commerce usage, then:
  1. "status_nwk": should be set to 1000 and;
  2. "tok_flags": should be set appropriately to set card to decline all transactions except eCommerce.
• You should not set old card status_nwk to 1199 IF you wish to renew/replace. If the old card has a status of 1199, no renewal or replacement can occur.
• When a card expires, Paymentology does not change the card status to expired. The card will be inactive due to its expiry which directly means that no authorisation or transaction will take place. Hence it is the client's responsibility to update the card status as you desire.

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IMPORTANT

You should be using Card renew/replace i.e. pws/v2/pws_card_renewal/. As version 2:

• is idempotent
• has update_digital_token field which updates the card details to Meawallet tokenization
• has perso detail fields, this means you can update delivery address of the cardholder