For more detail read on…The platform is fully owned by Contis. It is PCI DSS Level 1 compliant and independent of multiple third-party providers – BIN sponsors, card issuers and payment processors. Our Application Programming Interfaces (APIs) are designed to offer a high level of personalisation and control over back-end services. Giving you more time to spend on building and scaling your business instead of managing servers and databases. Use our APIs to create and manage consumer profiles and accounts, handle payment card production (Visa debit, prepaid and virtual cards) and set up Direct Debits and Standing Orders.
API controllersContis APIs are REST based with resource-oriented URLs and use HTTP based response codes to indicate API errors. We have grouped our APIs by function into “controllers”. Each controller contains the APIs you will need to integrate into your interface to allow your end users to access the features for a different area of the Contis service.
ConsumerA consumer is anyone who holds an account or payment card. Main (primary) consumers are linked to the primary account and any additional secondary accounts which may exist. Main consumers must be over the age of 18. The main consumer can add secondary users, such as friends and family members to the primary account. Secondary users must be over the age of 13. Secondary users can be assigned their own secondary account with a separate account number, a facility which can be used to apply transaction limits separate to those of the primary account.
- Create a new consumer account or add many secondary accounts to it.
- Get or update personal and contact information of a consumer.
- Fetch account information like IBAN, BIC, sort code and account number.
- View list of primary and secondary consumers linked of an account.
AccountA primary account can have one or more secondary sub-accounts. A secondary account usually belongs to a friend or family member. Primary and secondary accounts are both linked to a single consumer agreement.
- Get information about an account, the latest balance and load limit.
- Change the overdraft limit and terms of an account.
- Give an account an easily memorable nickname.
- Get a list of a consumer’s transactions and accounts.
- Bank account – The external bank account linked to the consumer’s account.
- Client scheme account – The main account of the client, which is linked to multiple secondary accounts of customers of the client. The client account and sub-accounts have the same programme agreement settings.
- Third-party account – The beneficiary account within Contis to which you (consumer) can transfer money
CardContis allows you to issue and manage debit, prepaid, and virtual payment cards. Each card issued by Contis (the Issuer) has a status. Take a note of the different statuses of the cards:
- Active – a card in normal, working mode.
- Inactive – a card is in inactive mode. It has to be activated before you can use it to make a payment.
- Expired – a card has reached its expiry date. The Issuer will reissue a new, replacement card if the card has transacted in the previous 3 months.
- Lost – a card has been stolen or lost permanently. The Issuer blocks the card to prevent its misuse and if requested, replaces it. If no request is made the issuer will cancel the card and close the account. Only Active and Inactive cards can be marked as Lost. Cards cannot be made ‘Active’ again once marked as lost
- Closed – a cardholder’s account is terminated and must open a new account to continue using your banking services.
- Blocked – a cardholder may request that their card is blocked, for example, if it has been misplaced. If found, the Issuer revokes the block instruction and enables the use of the card. A lost or stolen card is automatically blocked.
- Cancelled – a cancelled card is blocked with immediate effect on receipt of the cancellation request. The Issuer stops charging the card fee and will close the account.
- Activate a card and token.
- Request and configure the functionality of a new card.
- Mark a card as damaged, lost or blocked.
- Manage virtual cards, including adding them and viewing specific information about active virtual cards.
- Get a list of cards, tokens, and pending payments.
Direct DebitThe Direct Debit instruction is sent to their bank by the Payer. It authorises the Payee to collect the required amount directly from the Payer’s bank account. The Payee requests an amount to be debited from the Payer’s account on the specified date. Direct Debits are collected on the same date each month. All direct debit instructions are setup on your end users account automatically. Direct Debit allows:
- Regular payments of amounts which can vary e.g. telephone bills.
- Recurring payments towards fixed subscriptions e.g. Internet services.
- Loan repayments
- Cancel a Direct Debit instruction
- Get list of Direct Debit payments or instructions for a specified account number.
EnvelopeEnvelopes enables your customers to set aside funds on payday for their recurring expenses later that month. The Envelopes safeguards the funds needed for essential expenses, preventing accidental over-spend and automatically pays pre-arranged amounts for important expenses like rent, utilities, and grocery bills. The payment cycle to beneficiaries from the Envelopes can be set up as weekly or monthly. Your customers have peace of mind that funds in their account sitting outside the Envelopes are disposable.
- Reserve fund in an Envelope within an account or release back the fund from envelope into account for normal use.
- Execute direct debit payment through an expense Envelope.
- Get or update information about an Envelope.
- Fetch a list of Envelopes within an account.
- Disconnect or delete an Envelope from an account.
Saving EnvelopeSaving Envelope is a new envelope feature for saving as much amount available in account, in the envelope. You can transfer full amount from the account or add as much amount permitted by account limits into the saving envelope. You can withdraw all the amount from saving envelope or transfer it back to the account.
- Add or delete a saving envelope.
- Get transaction history of the saving envelope.
- Transfer full amount from account to the saving account or vice versa.
- Change name, account and target date of the saving envelope.
KYCDigitalThe API methods in controller enable you to execute KYCDigital related functions. Get KYC Token to perform online KYC, Get KYC Status and add consumer after done with successfully KYC.
Standing OrderA Standing order is an instruction to transfer a fixed amount on a daily, weekly, monthly basis to a beneficiary account. The instruction can be set to make a fixed number of payments at specified time intervals. Note the following:
- Standing orders must be set up at least 24 hours prior to the first payment. Standing order can be used to transfer funds to, other programme accounts, and UK and international banks.
- A transfer fee is charged according to the destination of the payment.
- Fees are not charged for money transferred to another account on the programme.
- All standing orders are processed at 14:30 on working days from Monday to Friday.
- Activate or deactivate a standing order.
- Get a list of active and inactive standing orders.
- View execution dates for specific standing orders.
- Cancel a standing order.
TransferTransfer defines the act of making a payment from the consumer to a recipient.
- Execute transfer money to a recipient’s account.
- Link an account in Contis with an external bank account and transfer funds.
- Get a list of recipient accounts linked to a specific account in Contis.
- Fetch the IBAN, BIC, sort code, and the name of a specific beneficiary account.
- Upload a bulk payment file for the transfer of funds to a beneficiary account from internal, third-party or external bank accounts.
P2PPerson-to-person (P2P) is a money transfer between a payer and a payee. The payee makes a request for a transfer from the payer.
- Request or receive money.
- Reject a money transfer request.
- Generate a money transfer request via an account number, email or mobile number.
- Retrieval of recipient account numbers and information.
- Add or delete a recipient.
SecurityTo access any of our APIs a user must login using a username and password. Once a user is authenticated a token will be returned by the Contis server. This token is used to authenticate subsequent API calls. On expiry of a token, the user is automatically logged out of the system. The expiry time is set at the programme level and can be increased or decreased as required.
Consumer SecurityTo access any of our APIs a user must login using a username and password. Once a user is authenticated a token will be returned by the Contis server. This token is used to authenticate subsequent API calls. On expiry of a token, the user is automatically logged out of the system. The expiry time is set at the programme level and can be increased or decreased as required.
SSO (Single Sign On)Single Sign-On is a one-time authentication service that allows a user to sign-on to multiple applications with a single password and username.
- Manage Single Sign-On session functionality.
- Allow consumers to register for SSO service and authenticate sign in.
- Call API to deregister from the service.
CommunicationCommunication refers to the exchange of information between a consumer and the Contis system. It can be a consumer enquiry or a notification to the user regarding a transaction, an activation, a dispute or an update on a product or service.
Account OnlyThe type of account without any payment cards linked to it.
- Link up additional consumers to the primary consumer.
- Create a consumer with a new account and link it to a primary consumer account.
- Create of new primary and secondary consumers and link them together.
Junior ConsumerJunior consumers are secondary consumers aged 13 to 17. They are linked to their guardian’s primary account or their own secondary account. Junior consumers will need to verify their date of birth, guardian’s name and relationship to the guardian during the Know Your Customer (KYC) process.
ProgrammeA Programme is a configurable template that can be customised to meet your needs and those of your consumers. You can vary agreement terms, fees, communication format, card design and currency to create customized Programme for retailers, merchants, and individual users.
- Get a list of countries in which a bank can receive money as defined by the programme code.
- Get the name(s) of the client(s) registered under a specific Programme.
BusinessFor the purposes of our APIs, we define a Business as any private limited company, Sole trader or partnership firm with the intent to make a profit.
- Activate a company set up after registration.
- Change details of a company.
- Get a list of transactions and balance in a company’s account.
- Set or get card spending limits of a company’s account.
- Get a list of companies.
- Get a specific location or list of locations for the company
Sole TraderA Sole trader is a self-employed person who runs a business as an individual. The person can own a business under their own name or any other name.
PartnerIn a partnership, the partners personally share responsibility for the business. Any losses a business makes, bills for the business and purchases of stock or equipment fall to the partners. Partners share the profits from the business, and each partner pays tax on their share. A partner doesn’t have to be a person. For example, a limited company can also be a partner.
- Register company credentials to create a partnership firm.
- Create a new partnership company or firm.
- Create Primary director(s).
- Set up an account.
Limited CompanyIn a limited company, the liability of members or subscribers of the company is limited to what they have invested or guaranteed to the company. Limited companies may be limited by shares or by guarantee.
Basic CompanyThe term basic company identifies whether a company is a corporation, a partnership firm, private limited company or a sole proprietorship.
DirectorA director is a person appointed by the shareholders of the private limited company to manage day-to-day business activities. A company can have more than one director. Large companies are run by a board of directors within the framework laid down by the law.
- Add a new director
- Get or update personal and contact information of an existing director.
- Fetch a list of directors and know who the main or secondary directors are, including their percentage ownership in the company.
DepartmentA department is a distinct division within a company with a specialized function or output. Departments are created in a company to improve the efficiency and productivity of the business.
- Add a new department.
- Change the Head of Department (HOD).
- Get a list of departments in the company.
- Update the information about a department.
- Set and view monthly, weekly or yearly ATM, POS or e-commerce limits of a specific department.
Dual AuthorisationDual authorisation is a security feature that requires two or more, different authorisers to authorise a payment, if it is above the set limit. In dual authorisation, two or more people in the same business can complete a third-party payment, with one creating a payment request and one or more authorisers authorising the payment.
- Approve, cancel or decline an authorisation request.
- Get list of authorisers.
- Get list of approved, pending or cancelled dual authorisations.
- Set authorising limit of authorisers.