Supported transactions
One transaction set for every channel
Each transaction is supported card not present (CNP), card present (CP) or both. Every one has a reversal and is supported on the issuer side and the acquirer side.
01Transactions
What the Payment Engine processes
Balance Inquiry (BI)
Check the available balance of a card or account. Card not present and card present.
Name Inquiry (NI)
Confirm the name of the receiver before money is sent. Card not present only.
Wallet to Card (W3C)
Move money from a digital wallet to a card. Card not present only.
Card to Wallet (C2W)
Move money from a card into a digital wallet. Card not present only.
Card to Card (C2C)
Transfer money from one card to another, in the same institution or a different one. Card not present and card present.
Purchase
Pay a merchant for goods or services. Card not present and card present.
Bill Info
Look up a bill and the amount due before it is paid. Card not present and card present.
Save Payment
Record the payment of a bill once the customer confirms it. Card not present and card present.
Cash In
Deposit cash into a card account or a digital wallet. Card not present and card present.
Cash Out
Withdraw cash with the card. Card present only.
02CNP and CP
Where each transaction is available
Card not present (CNP)
Made without the physical card, for example in a mobile app: Balance Inquiry (BI), Name Inquiry (NI), Wallet to Card (W3C), Card to Wallet (C2W), Card to Card (C2C), Purchase, Bill Info, Save Payment, Cash In.
Card present (CP)
Made with the card at an ATM or a POS machine: Balance Inquiry (BI), Card to Card (C2C), Purchase, Bill Info, Save Payment, Cash In, Cash Out.
Reversals
Every transaction above has a reversal, so one that cannot complete is undone for the customer and for both institutions.
03Issuer and acquirer
Supported on both sides
Issuer side
Your institution answers transactions on the cards, accounts and wallets it has issued, wherever they are used.
Acquirer side
Your ATMs, POS machines and apps accept transactions, including those on cards issued by other institutions.
Need a transaction that is not listed?
Tell us what your institution needs.
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