Notifications

It is important to be informed about each card transaction and have access to card information at any time, so we provide our customers with several ways to communicate with their clients on any device. A notification is a message that is sent to a cardholder’s device to provide them with card status changes, communication about transactions, or other timely information from the partner or DECTA.

Supported notification events for issuers:

Set-up of the notifications

Set-up of the notification type and events is done on DECTA side in accordance with service agreement and customer’s requirements during the customer project integration or upon customer’s request.

Push notification

Push notification is a webhook which are delivered to customer’s designated URLs in JSON format. As soon as a new event has happened, webhook is triggered and sent to the customer’s URL.

In order to benefit from this service and convert webhooks into push notifications to be sent to cardholder’s mobile devices the customer should implement web services in its infrastructure. If this web service uses basic authentication, the credentials should be provided to DECTA for configuration. The web service should be ready to receive HTTP POST calls with a payload in JSON format. Each call represents a separate event message received. If the partner is not available or receives an HTTP error, then DECTA will forward push notifications every 20 seconds for 24 hours.

Event types for push notifications

3D OTP push description

E3D_OTP event delivers one-time passcode required for 3DS online purchase confirmation.

Example request:

{
    "type" : "E3D_OTP",
    "typeDesc" : "3D One time Passcode",
    "time" : "2020-09-02T13:41:06",
    "ppan":"533299ABCDEF9960",
    "merchant" : {
        "id" : "FQVN6GDWYT",
        "name" : "Decta merchant",
        "country" : "LV"
    }, 
    "amount" : {
        "ccy" : "USD",
        "value" : "150.33" 
     },
    "accountNumber" : "0000006700",  
    "transactionId" : "12345678",  
    "otp" : "484848"
}

Response must be sent only http status code with empty body!

Card Authorisation push description

CARD_AUTHORISATIONS event delivers card authorisation details.

Example request:

{
  "type": "205",
  "typeDesc": "Purchase",
  "time": "2020-09-02T13:41:06",
  "requestDate": "2020-09-02T13:41:06",
  "ppan": "533299ABCDEF9960",
  "approvalCode": "772851",
  "pointCode": "M10101M00000",
  "funcCode": "100",
  "procCode": "00",
  "tranResp": "000",
  "stan": "035452",
  "merchant": {
    "terminalId": "FQVN6GDWYT0NOB6",
    "id": "FQVN6GDWYT0NOB6",
    "name": "Decta merchant",
    "categoryCode": "5734",
    "country": "EE",
    "city": "Tallinn"
  },
  "amount": {
    "ccy": "EUR",
    "value": "1.28"
  },
  "accountCcyAmount": {
    "ccy": "EUR",
    "value": "1.28"
  },
  "balanceBefore": {
    "ccy": "EUR",
    "value": "3.00"
  },
  "balanceAfter": {
    "ccy": "EUR",
    "value": "1.62"
  },
  "holdNumber": "793204999"
}

Response must be sent only http status code with empty body!

All authorisations should be sent from the Processing System: e.g. successful, unsuccessful.

Token OTP push description

TOKEN_OTP event delivers one-time activation passcode required for the card enrollment confirmation into the wallet (Apple Pay, Google Pay).

{
    "type": "Token_otp",
    "typeDesc":"Token OTP",
    "time":"2023-03-27T10:11:35",
    "ppan":"512345ABCDEF6789",
    "tokenOtp":"123456",
    "wallet":"Google Pay"
}

Response must be sent only http status code with empty body!

Token Provisioning push description

TOKEN_PROVISIONING event delivers the tokenized card status change.

{
    "type": "Token_lifecycle",
    "typeDesc":"Token lifecycle event",
    "time":"2023-03-24T11:05:07",
    "ppan":"512345ABCDEF6789",
    "tokenStatus":"C",
    "wallet":"Apple Pay"
}

Response must be sent only http status code with empty body!

Push fields description

SMS notifications

SMS notifications are messages that sent directly to a cardholders mobile device. The target field is cardholder mobile phone number which can be passed through POST/v1/api/cards/order endpoint or changed using PUT/v1/api/clients/{clientId}/phone endpoint.

Remind card details SMS description

Reminds cardholder the middle part of PAN and CVC2/CVV2 of a virtual card to the cardholder's registered mobile phone number.

SMS text example:

3D OTP SMS description

Provides cardholder one-time password required for 3DS online purchase confirmation.

SMS text example:

Card Authorisation SMS description

Provides cardholder with card transaction autorization details and balance.

SMS text example:

Token OTP SMS description

Provides cardholder one-time activation code required for the card enrollment confirmation into the wallet (Apple Pay, Google Pay).

SMS text example:

Token Provisioning SMS description

Provides cardholder with tokenized card status change.

SMS text example:

Remind PIN SMS description

Reminds cardholder the actual card’s PIN code.

SMS text example: