Paymentology Integration
- 24 Nov 2023
- 4 Minutes To Read
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Paymentology Integration
- Updated On 24 Nov 2023
- 4 Minutes To Read
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Early Access Feature
If you would like to request early access to this feature, please get in touch with your Mambu Customer Success Manager to discuss your requirements. For more information, see Mambu Release Cycle - Feature Release Status.
We partner with Paymentology to provide card issuing and processing services. Paymentology is a card issuing platform providing an Open API. The Paymentology connector is for Mambu customers who want to offer debit cards to their clients. Using the Paymentology connector means you do not need to build out your own gateways or deal with messaging standards such as ISO 8583.
Paymentolgy works globally and is integrated with the Visa, Mastercard, and MADA networks - allowing you or your clients to make the best choice of a card product. For more information about Paymentolgy see Mambu Marketplace or the Paymentology website.
The Mambu-Paymentology integration connects the Mambu banking platform and Paymentology payment card processing centre. The integration focuses on processing payment card authorization requests and clearing transactions as well as a list of various related messages, such as advices and reversals. Mambu is where the card account's available and ledger balance are maintained.
Prerequisites
Before working with cards, make sure you have your Mambu environment set up. There may be additional setup to be done in Paymentology if you intend to use their simulation workplace for the testing purposes.
Architecture
The Mambu-Paymentology integration is based on the Fast and Secure Transactions (FAST) message interface. Communication is done using two endpoints, to which Paymentology forwards payment card authorization and transaction messages, received from the network, and converted into the FAST v3 format. The received messages are mapped to the corresponding Mambu APIs, which are called in order to update the available and ledger balances of a Mambu payment card account.
The first endpoint is dedicated to payment card authorization related messages, such as authorization requests, balances inquiries, various reversals, and advices. The full list of supported authorization messages is provided in Authorizations endpoint.
The second endpoint is dedicated to process debit and credit settlement transactions as well as transaction reversals. More details in Transactions endpoint.
Currently the scope of the integration is limited to authorizations and card transactions which come from the Mastercard scheme. Accordingly the following cardholder transaction type codes are supported:
| Processing code | Description | Direction |
|---|---|---|
| 00 | Purchase | Debit |
| 01 | Withdrawal | Debit |
| 02 | Debit Adjustment | Debit |
| 09 | Purchase with Cash Back | Debit |
| 10 | Account Funding | Debit |
| 17 | Cash Disbursement | Debit |
| 18 | Scrip issue | Debit |
| 20 | Purchase Return Refund | Credit |
| 21 | Deposit | Credit |
| 22 | Credit Adjustment | Credit |
| 23 | Check Deposit Guarantee | Credit |
| 24 | Check Deposit | Credit |
| 28 | Payment Transaction | Credit |
| 30 | Balance inquiry | None |
Authorizations endpoint
The authorizations endpoint is dedicated to authorization processing. Authorization messages are checked for mandatory fields and processing codes are checked to ensure that they are supported. If the checks are passed, a corresponding Mambu API is called. The 200 OK is returned with ISO8583 response fields, after receiving a response from Mambu. The response includes field DE39 Response Code with the defined ISO8583 response code, which is returned back to the Acquirer as a result of the authorization processing. If the checks are not passed, the 400 Bad Request is returned along with the error reason.
The following authorization messages are supported:
| Business case | MTI | DE3_1 | Purpose |
|---|---|---|---|
| Debit authorization request | 0100 | 00, 01, 02, 09, 10, 17, 18 | Create a debit hold if the available balance is sufficient. |
| Credit authorization request | 0100 | 20, 21, 22, 23, 24, 28 | Create a credit hold. |
| Incremental authorization request | 0100 | 00, 01, 02, 09, 10, 17, 18 | Increase a debit hold amount if the available balance is sufficient. |
| Balance inquiry | 0100 | 30 | Get the ledger and the available balances of a card account. |
| Debit authorization advice | 0120 | 00, 01, 02, 09, 10, 17, 18 | Create a debit hold without the available balance check. |
| Credit authorization advice | 0120 | 20, 21, 22, 23, 24, 28 | Create a credit hold. |
| Incremental authorization advice | 0120 | 00, 01, 02, 09, 10, 17, 18 | Increase a debit hold amount without the available balance check. |
| Final authorization advice | 0120 | 00, 01, 02, 09, 10, 17, 18 | Change a debit hold amount. |
| Declined authorization advice | 0120 | - | Fully reverse a hold. |
| Declined incremental authorization advice | 0120 | - | Reverse the increase of a hold. |
| Full authorization reversal | 0400, 0420 | - | Fully reverse a hold |
| Partial authorization reversal | 0400, 0420 | - | Partially reverse a hold. |
| Debit transaction request | 0200 | 00, 01, 02, 09, 10, 17, 18 | Create a debit transaction if the available balance is sufficient. |
| Credit transaction request | 0200 | 20, 21, 22, 23, 24, 28 | Create a credit transaction. |
| Debit transaction advice | 0220 | 00, 01, 02, 09, 10, 17, 18 | Create a debit transaction without the available balance check. |
| Credit transaction advice | 0220 | 20, 21, 22, 23, 24, 28 | Create a credit transaction. |
| Declined transaction advice | 0220 | - | Fully reverse a transaction. |
| Transaction reversal | 0400, 0420 | - | Fully reverse a transaction. |
| Declined request | 0100, 0200 | - | Decline authorization or transaction request. |
Transactions endpoint
The transactions endpoint is used to process settlement transactions. Each card transaction from the Mastercard file is converted to an API call by Paymentology. Transaction messages are checked for mandatory fields and processing codes are checked to ensure that they are supported. If the checks are passed, a corresponding Mambu API is called. The 200 OK is returned in case a card transaction is successfully processed by Mambu. If the checks are not passed, the 400 Bad Request is returned along with the error reason.
The following transaction messages are supported:
| Business case | MTI | ISO_MSG.3 | Purpose |
|---|---|---|---|
| Debit transaction presentment | 1240 | 00, 01, 02, 09, 10, 17, 18 | Create a debit transaction without the available balance check. |
| Credit transaction presentment | 1240 | 20, 21, 22, 23, 24, 28 | Create a credit transaction. |
| Presentment reversal | 1240 | - | Fully reverse a transaction. |
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