You can access the Card renewal page from Cards > Search > Cards, and select the card whose details you want to see. Select Card renewal from the content menu.

Keep the following points in mind for card renewal:

• A card renewal fee can be applied when required.

• The renewed card is assigned a new PAN.

• The same PIN can be used for the renewed card.

• Upon activating a renewed card, the old card is closed automatically. If not closed, the expired card is closed automatically by the system at the end of expiry.

• The renewed card will inherit the design of the old card.

• The renewed card will have the default expiry as defined for the card product.

• The customer and the bank employee can change the design and the delivery address of the renewed card.

Settings for card renewals

The card renewal process starts automatically according to the values defined in the system property. There are 4 properties defined for this in Administration > Settings > System property. Select the Cards option from the content menu and you can edit the values for the following parameters:

• CARD_RENEWAL_MONTHS_AFTER_LIMIT - Number of months after card expiry when card renewal is allowed.

• CARD_RENEWAL_MONTHS_BEFORE_LIMIT - Number of months before card expiry when card renewal is allowed

• CARD_RENEWAL_PROCESS_FINISH_MONTHS_BEFORE - Number of months before card expiry when the card renewal process is finished automatically.

• CARD_RENEWAL_PROCESS_START_MONTHS_BEFORE - Number of months before card expiry when the card renewal process is triggered automatically.

The following screenshot shows the System property page for cards:

To renew a card manually, the following conditions must be met:

• The card must be active.

• The card must be renewable. See the card details to know if the card is set as renewable.

• If you are renewing before the card has expired, the number of months currently remaining before the card renewal is allowed must be less than the number of months defined (CARD_RENEWAL_MONTHS_BEFORE_LIMIT).

• If you are renewing after the card has expired, the current month must be equal to the number of months after the card expiry when card renewal is allowed (CARD_RENEWAL_MONTHS_AFTER_LIMIT).

A card renewal process can be in one of the following states:

• Waiting

• Approved

• Rejected

• Finished

Custom booking refers to the functionality to manually create card transactions in case of bank errors, or to record transactions which can’t be initiated by the system or by the customer.

To access the Search custom bookings page:

1. Click Cards > Search > Cards, and select the card whose details you want to see.

2. Then select Custom booking from the content menu.

On the Search custom bookings page, you can search the custom bookings that are initiated for the card and create a new custom booking.

Create a new custom booking

Click New custom booking to create a card transaction.

The parameter details are as follows:

• The Direction field refers to incoming or outgoing card transactions.

• Select a Transaction type from the list of options. The options displayed depend on the Direction of the transaction that you have selected.

• The Value date rule field refers to the date on which the transaction takes place. The Value date rule can be set as:

  • Approval date - The date on which the transaction is approved.

  • Entered date - The date on which the transaction is entered into the system.

• The Available balance field displays the amount available on the card.

• Enter the Amount and select a Currency from the drop-down menu for the custom booking.

• Enter the description in the Details field.

• You can select the option to Apply fee for the custom booking if required.

Go to the Card application search page from Cards > Search > Card applications. You can search card applications and details using any of the following fields:

An application status can be:

• Waiting

• Completed

• Rejected

• Canceled

To create a card application, go to Persons > Search. Select the person you want to create an application for. On the Person details page, from the left-hand pane, under the Cards section, select Card applications.

On the Card applications page that opens, click Create application. You can create a new card or a supplementary card application for a debit or credit card.

Create a new card application

If you are creating a new card application, select the Application type as New card and enter the following parameters:

Card product details

Account and cardholder details

Shipping details

Credit details

Authorisation and limit types

When you have entered the details, click Submit.

Create a supplementary card application

1. Select the Application type as Supplementary card.

2. Select the main active card associated with the person.

3. Enter the details of the cardholder. You can search for another person by clicking the search button.

4. The billing address cannot be edited.

5. Select if you want to share the transaction limits with the main card. If the limits are not shared, then each card uses its own limits.

6. Click Submit when you are done entering the details.

Click Cards > Search > Credit offers to view details of the existing credit card offers.

A credit card offer can have one of the following statuses:

• PRESENTED - Presented to customer

• ACCEPTED - Accepted by customer

• DECLINED - Declined by customer

• CANCELLED - Canceled by bank

The following screenshot shows the credit card offer search page:

To create a credit offer, go to Persons > Search. Select the person you want to create an offer for. On the Person details page, from the content menu, under the Cards section, select Credit card offers.

On the Credit card offers page that opens, click Create offer.

On the Create credit card offer page, enter the following parameters:

After the offer has been created, you can edit, cancel, decline, or accept the offer.

When the API requests are sent to Nets in the card creation process or for any other updates, the Card process steps page displays all the steps initiated for the card.

You can access this page from Cards > Search > Cards, and select the card whose details you want to see. Select Process steps from the content menu.

The following screenshot shows a sample Card process steps page:

For error cases, click Details to view further information about the process step. The Dead letter details pop-up box opens and you have the option to retry or discard the step. You can also access the failed process steps from the dashboard of the BackOffice.

If any of the process steps has an error, the card status remains in the intermediate state IN_CREATING. If all the process steps are successful, the card status moves to the next allowed status - VIRTUAL, OPEN, or ACTIVE.

To search cards, click Cards > Search > Cards. On the Search card page that opens, click Search to view all the cards. You can filter the results by entering different parameters:

Click Card number (PAN) from the search results to view the details on the card page.

Depending on the status of the card, you can perform different actions. You can activate, close or block a card, and send the PIN using SMS service instead of mailing to the cardholder. You can also unblock the PIN. If a physical card was not issued, you can order a card by clicking Order plastic and filling in the address.

Cards can be in one of the following statuses:

• Active

• Blocked

• Closed

• In creating

• Open

• Virtual

The following screenshot shows the card page with details of an active debit card:

From the content menu, you can access and manage the card settings. See the following topics for more information:

Go to the Search card credit contracts page from Cards > Search > Credit contracts. You can search credit card contracts using any of the following fields:

Click the Contract number from the search results to view the contract details. For the credit contract, you can do the following:

• Create a new contract version - You can change the contract conditions from the list of options.

• Close the contract permanently.

• Withdraw a certain amount from the credit account to the servicing account.

• Repay a certain amount to the credit account from the servicing account.

The following screenshot shows a contract details page:

Go to the Search card renewals page from Cards > Search > Card renewals. You can search card renewals using any of the fields shown below. The Date from and Date to fields are mandatory.

Click the Technical identifier from the search results to view and manage the renewal details. From the content menu, you can manage the card, change the card limits and settings, and replace the card. You can also view the card transaction history, and create and search for custom bookings.

The following screenshot shows a renewal page:

You can perform the following operations with cards:

Go to the Search transactions page from Cards > Search > Network transactions. You can search card transactions using any of the fields shown below. You can set the transaction period by selecting Today, Yesterday, Current month, or Last month to search for transactions. You also have the option to export the results as a CSV file.

You have the option to order a plastic card after the application is completed and the card has been activated.

To do this:

1. Search for the card by clicking Cards > Search > Cards.

2. Select the card number you want. The card details page opens.

3. If the plastic card has not been ordered, the Order plastic option is displayed.
4. Enter the address details and click Submit.

You can create and order cards that are not personalised. The cards can later be linked to a person or an entity.

You need to carry out 2 steps:

1. Generate the batch order.

2. Allocate the pre-ordered card to a person.

To view the list of existing batch orders and to create a new batch, go to Cards > Search > Batch orders.

To create a new batch order, click Add new batch order. On the New batch card order page, select the card product and other details.

In finance, clearing includes all the activities carried out for a transaction, such as payment requests and the movement of funds from one account to another. The card clearing reports are generated from data received from the card schemes (Visa or Mastercard) and card issuers. The reports can be used to reconcile offline financial activity.

To view the Card clearing reports page, go to Cards > Reports > Clearing reports.

You can manually correct accrued interest within the credit contract based on business needs. Go to the credit contract details page using one of the following options.

• Go to Cards > Search > Credit contracts and search the credit contract by Contract number. Click on the Contract number to go to the credit contract detail page.

• Go to the Person > Search and search the person by any known parameter. Click on the Identification number to go to the person detail page. On the content menu, select Cards > Credit contracts. Click on the Contract number to go to the credit contract detail page.

1. Click Interest on the content menu to access the interest details.

1. Click the Make interest correction button on the interest details page.

1. Enter the necessary details for the interest correction.

1. Click Submit to complete the interest rate change.

To create a card contract write-off, follow the steps below.

1. Go to Cards > Search > Credit contracts to find the card contract in question.

2. Click the contract number to access the contract details for the card contract.

3. From the content menu, click Write-offs.

4. Click the Create write-off button.

5. Fill in the write-off details, check the items to be written off, and then click Create.

Writing off a credit card contract is essential when an accumulated debt is deemed uncollectible after exhaustive collection efforts.

In this section, you can learn how to create, search for, and reverse card contract write-offs.

Go to the Card funds search page from Cards > Search > Funds. You can card funds using any of the fields shown below. By default, the list of funds is displayed which have the Status as Available and Date Type as Posting Date.

To search for card contract write-offs, follow the steps below.

1. Go to Cards > Search > Credit contracts to find the card contract in question.

2. Click the contract number to access the contract details for the card contract.

3. From the content menu, choose Write-offs.

4. Fill in the search parameters > Search.

5. Click on the Identifier to open the write-off details.

To reverse a card contract write-off, follow the steps below.

2. Click the Reverse write-off button.

1. Fill in the Description field > Save.