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Learn how to sign up your visitors for prepaid Visa cards right from within your website. Also allow cardholders to manage their prepaid account from your site, for simple functions like: - checking their balance and latest transactions - sharing money with other cardholders - suspending their card in case of loss or theft
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Handle Prepaid Card AccountsRight From Your Own Website
1- Sign up your customers for open-loop prepaid cards…
2- Let them access their card balance and transactions or send money to friends…
…without letting them leave your website
(c) Plastyc, Inc. 20102
OverviewPlastyc offers a Web Service API with 6 methods
Enrollment Method Intended UseEnrollCardholder Sign up a new user for a card
Account Mgmt. Methods Intended Use
GetCardholders List all cardholders enrolled
GetCardholderInfo Obtain info about Cardholder, account, card and transactions
GetCardholderTx List Transactions for a cardholder between 2 absolute dates
TransferMoney Let a cardholder share money with another one
SuspendCard Let a cardholder suspend his/her card in case of suspected loss or theft
1- Embedded Prepaid Card Enrollments
Enroll your customers into open-loop prepaid cards right from within your own website
(c) Plastyc, Inc. 20104
Payment-challenged visitors
• Loosing potential customers?– Who have no payment card– Who are not willing to provide their
main payment card
Unable to get them paid efficiently?– They have no checking account– PayPal not suitable (e.g. for tax refunds)
(c) Plastyc, Inc. 20105
Payment-enabling visitors on the spot
Give visitors the option to sign up for a Visa prepaid card– Free– 5’– You receive the number for the new card
(either card number or ACH number)
(c) Plastyc, Inc. 20106
Who can benefit?
Tax preparers– Let your customers receive their refunds faster, and avoid check
cashing fees
Merchants offering store credits (used cars, appliances…)– Set up a convenient way for employed customers to pay you in
installments
Subscription websites– Capture more visitors by
offering them a way to pay
(c) Plastyc, Inc. 20107
Web Service APIEnroll Cardholder Method
• SOAP / XML• Over https• Enrollment front-end at known and fixed IP address
(c) Plastyc, Inc. 20108
Method & Parameters
Card Sub-Program ID
Card Graphics ID
First Name
Last Name
Birthdate
Social Security Number
Gender
Zip
State
City
Address
Phone
Response Code
Response Description
Cardholder ID
DDA routing number
DDA account number
EnrollCardholder Method
EnrollCardholder Response
(c) Plastyc, Inc. 20109
Validations for EnrollCardholder
• Zip / City consistency• Address not a PO Box• Email address in authorized top-level
domains• SSN syntax valid• Phone format valid• Name + birth date + SSN match
(Experian database)• OFAC-check negative
(c) Plastyc, Inc. 201010
Steps
1- Capture user’s data and send to Plastyc
2- Validate enrollment data and create new cardholder
6- ActivateCard
7- Load funds post-activation
3- Confirm account number
8. Payments
5- Load funds pre-activation
4- Issue and ship card
(c) Plastyc, Inc. 201011
Timeline
1- Enroll user 2- Validate
6- Activate
7- Load funds post-activation
3- Confirm
5- Load funds pre-activation
<1’
up to user
5-7 days
<5’
a few hrs
a few hrs(for MoneyPak cash loads)
ACH loads into the card can be initiated immediately.
Cash loaded prior to card activation can be available to the enrollment site within a few hours.
4- Issue & ship
2- Embedded Prepaid CardAccount Management
Let your customers access their prepaid card account right from within your own website
(c) Plastyc, Inc. 201013
Be friendlier to cardholders
Users’ cards are now a key part of your service?– Let your customers access their card
account without leaving your site– Or integrate card balance checking
in your own phone support service
(c) Plastyc, Inc. 201014
Web Service APICard Account Management Methods
• SOAP / XML over https• Consumer front-end at fixed and known IP address• Methods: GetCardholders, GetCardholderInfo,
GetCardholderTx, TransferMoney, SuspendCard
(c) Plastyc, Inc. 201015
GetCardholders Method & Parameters
Cardholder ID
Enrollment Date
Username
First & Last Name
Phone Number
Email Address
Cardholder ID
Enrollment Date
Username
First & Last Name
Phone Number
Email Address
Etc….
GetCardholders Method
GetCardholders Response
(no parameters beyond partner credentials)
Returns the list of CardholderInfo for all cardholders enrolled
beforehand via the Partner(whether using the EnrollCardholder API method or using only encoded
referral links)
(c) Plastyc, Inc. 201016
GetCardholderInfo Method & Parameters
CardholderInfo (same as returned by GetCardholders)
SubprogramID
LoyaltyBalance
Auth. & Settled Balance
Last 4 digits of card & graphics
Primary/Secondary card
Name as embossed
Card Status & Issuance date
Tx date of auth. & settlement
Tx type & description
Tx amount
Next Tx details…
GetCardholderInfo Method
GetCardholderInfo Response
Returns the Cardholder, Account, Cards and
Transactions info requested
Cardholder ID
Include CardholderInfo
Include AccountInfo
Include CardsInfo
IncludeLastCardTx
LastCardTxCountA
ccount Info
Card
InfoTransactions Info
(c) Plastyc, Inc. 201017
GetCardholderTx Method & Parameters
Tx date of auth. & settlement
Tx type & description
Tx amount
Tx date of auth. & settlement
Tx type & description
Tx amount
Tx date of auth. & settlement
Tx type & description
Tx amount
Next Tx details…
GetCardholderTx Method
GetCardholderTx Response
Returns the Transactions info requested between the
Start and End Dates
Cardholder ID
StartDate
EndDate
(c) Plastyc, Inc. 201018
TransferMoney Method & Parameters
TransferMoney Method
TransferMoney ResponseSenderCardholderID
ReceiverCardholderID
Amount (no parameters beyond success/failure codes)
(c) Plastyc, Inc. 201019
SuspendCard Method & Parameters
SuspendCard Method
Suspend ResponseCardholderID
CardID
(no parameters beyond success/failure codes)
(c) Plastyc, Inc. 201020
Validations for all Card Accounts Management Methods
• Completeness of parameters• Valid IDs• Active status• Valid dates• Valid Amounts
(c) Plastyc, Inc. 201021
SummaryThe Plastyc Web Service API offers 6 methods
Method Intended UseEnrollCardholder Sign up a new user for a cardGetCardholders List all cardholders enrolled
GetCardholderInfo Obtain info about Cardholder, account, card and transactions
GetCardholderTx List Transactions for a cardholder between 2 absolute dates
TransferMoney Let a cardholder share money with another one
SuspendCard Let a cardholder suspend his/her card in case of suspected loss or theft
Contact: [email protected] obtain test account parameters
Download API Specification: http://www.plastyc.com/docs/Plastyc_Webservices_API_April10.pdf