Instant Card Issue – Function = InstantCardIssue
InstantCardIssue will create, on demand, an AuthENGINAPI and associate any demographic data to that AuthENGINAPI. If a PIN is specified, that PIN will be used. If a PIN is not specified a random four – digit numeric PIN will be generated by the API. If a cardholderid is specified, it must be unique. It is recommended that the cardholderid be set to an asterisk ‘*’ so that the cardholderid will be automatically generated by the API.
The CUSR can be configured to check OFAC, Verify the SSN, Verify the DOB, and provide a fraud rating using GeoIP. These identity checks may be overridden.
A pseudo DDA number will be returned in the response. The value will appear with “DDAnumber.”
| Inputs | Description | Required | Data Type |
|---|---|---|---|
| FunctionID | InstantCardIssue | Y | |
| cardholderid | Client Cardholder ID – a unique value assigned by the client | Y | (1,32) varchar |
| firstname | First Name | Y | (1,20) varchar |
| middlename | Middle Name | N | (1,30) varchar |
| lastname | Last Name | Y | (1,20) varchar |
| address1 | Address 1 | Y | (1,240) varchar |
| address2 | Address 2 | N | (1,240) varchar |
| address3 | Address 3 | N | (1,240) varchar |
| address4 | Address 4 | N | (1,240) varchar |
| city | City | Y | (1,240) varchar |
| state | State / Parrish / Province | Y | (1,60) varchar |
| countyname | County (additional regional designation) | N | (1,80) varchar |
| zip | Postal Code | Y | (5 – 15) varchar |
| country | Cardholder Country Code – ISO3166 – 2- digit alpha | Y | (2) varchar alpha |
| secondaryaddress1 | Secondary Address 1 | N | (1,240) varchar |
| secondaryaddress2 | Secondary Address 2 | N | (1,240) varchar |
| secondaryaddress3 | Secondary Address 3 | N | (1,240) varchar |
| secondaryaddress4 | Secondary Address 4 | N | (1,240) varchar |
| city2 | City | N | (1,240) varchar |
| state2 | State / Parrish / Province | N | (1,60) varchar |
| countyname | County (additional regional designation) | N | (1,80) varchar |
| zip2 | Postal Code | N | (5 – 15) varchar |
| countrycode2 | Cardholder Country Code – ISO3166 – 2-digit alpha | N | (2) varchar alpha |
| securityfield1 | Security Field 1 – can include mother’s maiden name or license number | N | (1,22) varchar |
| securityfield2 | Security Field 2 – | N | (1,22) varchar |
| securityfield3 | Security Field 3 – | N | (1,22) varchar |
| securityfield4 | Security Field 4 – | N | (1,22) varchar |
| udf1 | User defined Field 1 – handles special requirement of client | N | (1,255) varchar |
| udf2 | User defined field 2 | N | (1,255) varchar |
| udf3 | User defined field 3 | N | (1,255) varchar |
| udf4 | User defined field 4 | N | (1,255) varchar |
| udf5 | User defined field 5 | N | (1,255) varchar |
| Email *Email required if user’s API configuration settings include INSTANTISSUE_EMAIL_REQUIRED | N* | (1,255) varchar | |
| phone | Phone | N | (7 -32) varchar |
| phone2 | Phone 2 *Phone2 (Mobile Phone) is required for programs which are enrolled for 3DS through DPG. | N* | (7 -32) varchar |
| dob | DOB | Y | Date (MMDDYYYY) |
| Remote_Host | Remote Host | N | (1,15) varchar |
| distributorcode | Distributor code | N | (1,8) varchar |
| companyname | Company Name | N | (240) varchar |
| deltype | Delivery type. VC Virtual Card (not printed) | N | (2) varchar |
| expdate | Expiration date. The use of this field is not recommended unless creating test cards. This value will be generated by the system to the program’s setup value when left blank. | N | (4) varchar |
| id_type | Other ID Type Used when passing personal IDs other than SSN. May also be used in place of P18. Identify ID type using: SSN (Social Sec Number) ITIN (Individual Tax ID) ATIN (Adoption Tax ID) NATIONAL_ID PASSPORT DRIVERS_LIC | Y | varchar If a valid type is not provided associated data will be skipped. |
| id_number | ID Number | Y | (1,80) varchar |
| id_issuer | ID Issuer | Y | (1,80) varchar Identify the country or state that issued the ID |
| PIN | PIN | N | (4) numeric |
| cardstyle | Card Style Used by CardUSA to pass card style | Y | (2) varchar |
| BIN | BIN and client code of issuer | Y | 6-9 numeric |
| OFACOverride | OFAC override = Y | N | Y/N |
| GeoIPOverride | GEO IP Override = Y | Y | Y/N |
| ddaacctnbr | DDA Account Number – This value is a bank account number. This field may be used to override the system generated account number. Also utilized for ACH * | N* | (1,19) varchar |
| ddaroutenbr | DDA Route Num ber (ABA) * | N* | (1,12) varchar |
| PINXFER | Transfer PIN from an existing card to a new card. This value represents the card number or ALT_ID of the cardholder to pull the pin from. | N | (1,32) varchar |
| accttype | Account type utilized in ACH* | N* | 10 = savings 20= checking |
| 3DS Inputs |
Description | ||
| Language | Acceptable inputs: en_US de_DE es_ES fr_FR it_IT nb_NO sv_SE pl_PL pt_PT ENGLISH GERMAN SPANISH FRENCH ITALIAN NORWEGIAN SWEDISH POLISH PORTUGUESE |
N | varchar |
| SQ SA |
3DS Security question: SQ – Security Question SA – Security Answer *Please see 3DS note on formatting below |
N | varchar |
| Output | Description | ||
| P1 | Error code | Y | (1,255) varchar |
| P2 | Error Text | Y | (1,255) varchar |
| CardholderID | CardholderID | Y | (32) varchar |
| CardNumber | CardNumber | Y | (16) numeric |
| PIN | PIN | Y | (4) numeric or (12) varchar |
| AvailableBalance | Available Balance | Y | (10) numeric |
| LedgerBalance | Ledger Balance | Y | (10) numeric |
| Status | Status | Y | (1) numeric |
| CVV2 | CVV2 | Y | (3) numeric |
| expdate | Expiration Date | Y | YYMM (4) numeric |
Note: When User Configuration BLOCKED_COUNTRIES is present ‘country’ must match one of the country codes (ISO 3166) defined. If not, the request will fail.
For programs enrolling in Mastercard 3DS through DPG phone2 is a required field.
- ADD parameter Phone2 and apply 00 to the beginning of the phone number.
Example: &Phone2=04071234321NOTE: Response will tell you if automatic 3DS enrolment was successful. You should receive response &3DS=Y. If for some response received is &3DS=N, then you will need to manually run FUNC THREEDS to enroll the card for 3DS.
ACH processing: When all values are present and the card number starts with 2, micro-validation initiates. Not all InstantCardIssue will use ACH, so the fields aren’t always required.
What was the color of your first car?becomes
V2hhdCB3YXMgdGhlIGNvbG9yIG9mIHlvdXIgZmlyc3QgY2FyPwBluebecomes
MjRhODY2ZjQ5NDBmMWIwMDA4M2E3MWJhNGRmNzMyM2JhYzE0ODZmMjhkYzgxZDUwMGJiYzRiYjAyYzZlMGUxNg2. Parameters ARE case sensitive and are treated as an invalid parameter.
3. If an “invalid” parameter is passed in, it will be ignored (deltype)
P1=0000&P2=Successful&CardholderID=TEST200932783&CardNumber=4919090000006034&PIN=glALntzR
oy o=&AvailableBalance=0&LedgerBalance=0&Status=0&CVV2=888&expdate=1704&DDAnumber=02
0000037844
1. Do not assume that because P1 <>0000 that a card was not created, you must parse for CardNumber
2. Template formats can be configured by program/binclient for CardholderID and DDA number.
(Both of these numbers represent alternate id values that can be used to replace cardnumber in subsequent api calls)