Card status

Card status refers to the current state or condition of a payment card. It indicates whether the card is active, inactive, blocked, expired, or in any other specific state.

Card status is crucial as it determines whether the card can be used for transactions, and can provide information about the card's eligibility for specific features or benefits.

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Card status is also referred to as Status Network or status_nwk.

Card status mapping

The following table lists all available card status, their description, and how these card status may impact a transaction response message.

• Where a client takes the final approve/decline decision, the Processor_Decision_Code is the suggested response code the client will receive in the FAST request message.
• Where Paymentology takes the final approve/decline decision, the Processor_Decision_Code is used to respond to the network.

You can find the Processor_Reason_Code descriptions here.

*Column only applicable to clients using Mada network.

Changing or updating a card status

Card status can be changed via the Set card status endpoint.

When using the Set Card Status endpoint, you can change the card status to any of the following:

There are also certain conditions when a card status changes and transactions are blocked.

1. When PIN attempts has successively failed three times the card status is set to 1006.
2. When PIN verrification has successively failed four times via API the card status is set to 1006.
3. PIN unblock.

In such cases, you can subscribe to receive Card Status Update (CSU) notifications indicating the reason for the card status change.

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You can read more about CSU notifications here.

Updating linked tokens

When the Set Card Status endpoint is used to change the card status, Banking.Live will automatically update the linked digital tokens.

• If status_nwk = 1000 then all linked digital tokens will be unsuspended.
• If status_nwk = 1199 then all linked tokens will be deleted.
• If status_nwk is changed to anything other than 1000 or 1199 then all linked digital tokens will be suspended.

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IMPORTANT

Automatically updating linked digital tokens is only applicable to clients using Paymentology tokenization services.

Dynamic blocking

Cards can be dynamically blocked, this allows cards to be blocked for a period of time. Upon expiry of the dynamic block, the card will revert to Card Status: 1000 Fully Operational.

You can check if a card has a dynamic block via the Get card status endpoint. When a card has a dynamic block the response message will include the expiry date of the block in the dynamic_block response field.

If there is no dynamic block for the card, or the previous dynamic block has expired, the response message returns an empty value in the dynamic_blockfield.

Removing an existing dynamic block:

Where you want to remove an existing dynamic block, use the Set card status endpoint and set the status_nwk field to 1000 Fully Operational.

Card status API endpoints

• Set card status: Used to change the status of a card. This version (version 2) supports idempotency and allows cardholders to continue transacting with their digital wallet (i.e. Apple Pay) whilst their card is suspended.
• Get card status: Used to retrieve the current card status.
• Unblock PIN: Used to unblock a PIN, where the PIN is blocked due to 3x failed PIN attempts.
• Verify PIN: Used to verify the PIN of the card.