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Overview

Quicko Card Management System is called ANTACA. The platform provides solutions for creating and managing users' accounts (called "balances"), processing eKYC (user authentication process) and issuing payment cards generated for them. 

CMS Antaca provides dedicated services for:

  • end-user mobile applications,
  • server-to-server connections helpful in integration with existing customer databases,
  • administrative panel, necessary from the point of view of financial institutions in the process of issuing cards and managing their clients' funds.

CMS Antaca supports all necessary use cases for various digital and plastic card issuing. It supports integration with multiple issuing processors and can be connected with the one chosen by Verestro partner. 

Introduction to Card Issuing process

With the CMS Antaca you can offer your customers three types of cards:

  1. Virtual card - Digital card without any physical components.
  2. Physical card – The traditional plastic payment card.
  3. Digital First card - Physical copy of your virtual card.

To be able to issue a card for a user, 4 requirements must be met:

  1. You have to integrated with Verestro platform using JWE token (described below) or other integration methods (API, SDK, White Label).
  2. User must exist in Verestro database called DataCore. Make sure you register user via User Lifecycle API & SDK.
  3. User must be strongly verified according to KYC. You can use Verestro KYC (see below) or own KYC process.
  4. The user must have a User Balance under which the card will be generated.

After those 4 steps you can issue a card for the User.

Below we describe this process step by step:

  • Step 1. Configuration & JWE Security,
  • Step 2. User Lifecycle API & SDK,
  • Step 3. User registration & KYC,
  • Step 4. Create User Balance (account),
  • Step 5. Card issuing.

Terminology

Name

Description

Customer

Institution which is using Quicko products. This institution decides which SDK should be used and how transaction should be processed. Basicly Customer can be called Verestro client.

User

User which is using Payment Hub Application. It is root of entity tree. User is identified in Wallet Server by some unique identifier which is provided after registration. User can have access to his data and operations based on session. User’s session is created after device pairing is performed. When session expires then user authentication have to be performed. Session is valid 10 minutes, however it is configurable parameter.

Card

Card belongs to the user. User can have many cards. Card is identified via internal id given after storing card on Wallet Server. Whole PAN is stored on Wallet Server which has PCI DSS certificate.

Device

Device belongs to user. When user starts using application after installation then device pairing is performed. After pairing device with some unique id, unique device installation id is generated and this installation is assigned to user. It is possible to have one active installation on specific device for specific user.

Session Token

Token which defines User. It is an authorization way of the User.  This entity is created after paring device and this is needed to perform any actions in the application. When session is expired then user authentication needs to be performed. Session is valid 10 minute s, however it is configurable parameter.

Sender

Quicko Wallet user which triggers transaction to the Receiver (check User description).

Receiver

Receiver can be identified in Wallet Server (Internal) or may be an entity that does not exist in Wallet Server (External)

◦     Internal – this type of Receiver has his own unique identifier just like sender. It can also act as a Sender in the transaction process,

◦    External – this type of Receiver does not exist in Wallet Server. Transfers that are made to this type of Receiver require the entering of his card data by Sender

Mid

Merchant identifier. This entity is representing Merchant in Acquirer’s system. Customer have to provide the mid information to enable mid configuration in the Verestro system. Required to process 3DS authentication via Verestro System.

Acquirer

External institution responsible for processing transaction and 3ds requests ordered by the Verestro Payment Hub App. Acquirer connects with banks / card issuers and returns information whether the ordered action on a given card is possible.

PAN

It is 7-15 digits of credit card number. These digits contain the Permanent Account Number (PAN) assigned by the bank to uniquely identify the account holder.

Wallet Server

Provides the backend services to support Mobile Payment

Application via Quicko Wallet SDK and is responsible for

managing users, devices, cards , device tokens, storing transactions history and communication with Acquirers.

PCI DSS

PCI DSS (Payment Card Industry Data Security Standard) is a security standard used in environments where the data of payment cardholders is processed. The standard covers meticulous data processing control and protection of users against violations.

IBAN

IBAN (International Bank Account Number) is an international standard for bank account numbering that allows you to transfer funds to foreign accounts and to receive transfers from foreign entities to domestic bank accounts. One of the assumptions of the IBAN standard is to simplify the system of cross-border transfers.

QR

A QR code (quick response code) is a two-dimensional barcode.


Configuration & JWE Security

To start the implementation, it is necessary to configure the payment processor. If we are using issuing processors already integrated with Quicko the process is simple and after quick information gathering (name of partner, BIN range, currency, remoteURL) a new card program can be setup for our partner. 

The systems offered by Verestro are fully secure, which is confirmed by current third-party audits and PCI DSS certificates. As we store card and payment data we are obliged to comply with strict legal requirements. Card data are stored in a specially designed environment of Verestro called Data Core. This environment is placed in PCI Zone as well and is fully PCI DSS and GDPR certified.

You can communicate with the CMS Antaca API in three different dedicated channels:

  1. Mobile Application - Methods strarting with /Customers : designed for the mobile applications that use a session token sent in the header of each request. More about the possibilities of generating these tokens in the section White Label Application Overview.
  2. Server-to-server - methods starting with /Secure : this communication channel is protected by the x509 certificate. To start an implementation based on this communication channel, it is necessary to generate your own CSR and send it to Verestro. Verestro will sign it and return a valid certification in a response.
  3. Administrator and Customer Service (rarely used by partners) - methods starting with /admin : designed for the administration panel provided by Verestro.

Additional data encryption & integration

Some requests and responses contain sensitive data, to additionally secure the connection we require JSON Web Encryption (JWE).
normal
encrypted
Example of request with sensitive data

{
  "cardNo": "5555444455554444"
}
{
  "payload": "very long JWE token"
}
Example ofresponse with sensitive data
{
  "id": 1125,
  "type": "1125",
  "cvv": "123",
  "cardNo": "5555444455554444",
  "exp": "2026-01-31"
}
{
  "payload": "very long JWE token"
}

JWE configuration

To setup connection we need from you enc and alg from JWE parameters. Acceptable values are:

  • Algorithm used by Verestro to encipher content of message (enc) - A256GCM,
  • Algorithm used by Verestro to encipher encryption key (alg) - RSA-OAEP-256,
  • Algorithm needed from you to encipher content of message (enc) - A256GCM,
  • Allowed algorithms for key encryption (alg) - RSA-OAEP-256  or  RSA-OAEP.

Request

To process encrypted message you need to perform a few additional steps on top of standard message processing:

  • Add headlines:
    • Public-Key through which you can transfer to us your public key encoded b64 (more details below),
    • Encrypted-Request headline confirming message encryption; value true or false,
  • Download Verestro Public Key - see in technical API specs on which endpoint,
  • Use Verestro Public Key to create JWE and transfer data table in payload,
  • Use token (string) received in Verestro response in point 3 below key encryption key in payload.
Additional information:
  • for GET methods avoid point 2, 3, 4 above (headlines mentioned in point 1 are still necessary),
  • for empty POST methods (without "body") use same rules as for GET message.

Response

After sending to CMS Antaca encrypted request you will receive from us encrypted message:

  1. Decipher token, which can be found in response below payload key (use your private key to perform this action),
  2. After decipher action you can see response in unencrypted form.

Additional information:

  • Response are encrypted only in case of success - HTTP 20X,
  • The only exception from the above mentioned rule is code 204 No content,
  • In case of errors (i.e. validation errors) you will receive unencrypted response,

    • ENCRYPTION_REQUIRED,

    • INVALID_PUBLIC_KEY,

    • INVALID_PAYLOAD,

    • CANT_DECRYPT_PAYLOAD.

Example request

Correct request
Sent request (incorrect)
Received by CMS Antaca (after decipher action with private key)
 























































{"payload" : "eyJhbGciOiJSU0EtT0FFUC0yNTYiLCJlbmMiOiJBMjU2R0NNIn0.rdUrW12XCZQgLFDJ-2zAHWYYnaAanctceE1-Y6yJUplX0B2dLu-bvYOEJ83KxxUs-ZjA41R4PmAVilx1cTF4pv-7CZR0_ki85XRATBYF2-MvZdcC81fHy2QPU_ZsAEWAW00a1wKJmuEsgPB2m1aLZ7oK4fC1hciep4PyAtuWQRYHjhNb-UDT41_gDKTbnSGTwheL7S0mAJ_HsKfnZFHYUrM77UcxQGZKnH7Mzqvndf9THiMo0-3MWliYFDAm1bqN2_KTIoBNCprYjFnyIXPCjib73bjWX_P2ip5Ul84cngbQmFVzc7o91JrpJvYou1INS7zL4XKLFcADN4nZ_9ePWsm5_kX5SOMyUyEhOC9gusrLNAJ0MHaIFHni8WqnMAWM3_MC4OQDYetKax5bnHK6x42_5eFaf6ZmzmioKny5aGm-4Vo8TEu691FmPxglhyenWlMhvBvf6ZeVsy58Ofr0mi3TXjwYbAyas7m6sncxZu1FhEJ4da6gtNjmjuKdikOOntu8V71QQ07nczNqfGlUv0RcUc9uKJq5je4b9BEbK9WuQcroxmALqC4HTt1xhICHrVUA0d_t3fglhS2n7wNaKKCFq70ZWIrpdTaBd35kdVQOEjZgCavSjbZOzgOzcEqS6P2Blm7bZ7ZZBmnfk8y8M4m0xWoQNTmLC6nqz9bSbME.UEryKNClDxQZpyWu.6Lw_5CcZ9HiVxHfi_XTAFw.pYbQ6tdmQYe1kiPonm1GhA"}























































































Example response








Correct response




Sent response by CMS Antaca




Received by you



















































































{"payload" : "eyJhbGciOiJSU0EtT0FFUC0yNTYiLCJlbmMiOiJBMjU2R0NNIn0.iPmvEKtMAMrrEiR89vlwsL77ZfqxXrcMiy-bx3z6_7HAo__aQzBpMVDtLyj3kTHYWxen8bhPuVyebXyaIHL20sekFzcIFFzvaGoyQYU6zOK8tPv81tgixQe8SDnEr5v9VWBfiHxtPvqlpQIig2is5ynBkyqjdpQWEagR3MpqpATGl7f-omG82Jq0OwZByWI8I6P89hczwgK37F-MUnQDxcRUM3RagbHKNeIcfmPdJpNeqFZHe45y4wUkTWN0uzW72qydkN_4uM9fy0nrUpgsJNbtJGAVIUVmDz4pIZkiI1zyGbfZX-PT7Wh9UNM06gEUf4i2goZY-m4wPB0n2zXvxzcEdfTH27iPp-aKiJjfJpYb_ZnHyklk__gZlAy9r7W0594dY-eBJ_iUa5aeDsFS2TIfsfjMJsL8NRWY2noiTw5lsneD8dwvr6N_rYcWoFXDyWXHoRitSSd2iYrB80gbeSOBW0wfKtPxNIZrR0uDhkE8FouS5Pk7QBw412kd43GtrEpAijqn3ne7MNUpCtuNfJ8e_NdGDLTR7CSHhC0jfFlchpIvklF42o216NO-OnyJsjdv1w4_w1ugs61fTHDl8lgBalOjOxauKwIvJJOyFdWmpjlXuzJhrray7ov25uh2ibvFv3Gfd2iuGUnLIZzYBOTT8ftGWTCGXTDvVOvzGbs.c3qMNb2Bne-7g0Wz.PInghFM6Q8Gn0p4Tlebig32s-ZrpLqTMqQDlpXLLYx0iq-StrKco_HrjdN4MxondP4CicCgseIjcV8JR29jKYX-nqKdchEYq_vVIzFHcNI_Mx7y1el192QbMyx6b0Gbj5L79wpuB7qCUqTBNhJZ2c07PuyPsewcNwglvnc-OrA-2vL6lJnBi5ZGH8gBH1cZCgmbrMpZGNFPG3oFpOn9JPzmnvQxe9tvSFFj5989A8d_XMHP-ZQ.dJZxnBRxJeMKswDsCA3cXA"}


Check yourself by using Private Key included in the response.







User Lifecycle API & SDK


Once Verestro configured a project for your program and you are ready to authenticate with us using JWE token you will need to register users on our platform.


Please check the following components:


  • If you want to integrate directly from mobile appliacations or integrate server-to-server - User Lifecycle and Card Management API &SDK.
    • 

User registration & KYC


Once you registered users on our platform and would like to create accounts and issue cards for them you need to perform KYC. There are three alternative scenarios:


  • You can use the Verestro KYC API in the verification process of your users.

    • 

  • If you already have KYC verification process on your side, just update the KYC flag for the user using User Lifecycle & Card Management API.
    • 

Once you registered users and performed KYC you can initiate account (called "balance") creation.


Create User Balance


It is main account balance that is connected with user account and card. Main User Balance attributes are currency, balance value and balance state. In order to create User Balance make sure user got through KYC process. KYC process can be either manual or automated. It can be performed by partner or Verestro. It is highly recommended that User Balance is hold by Verestro but we can approve projects where partner holds User Balance.


In order to create any payment card at Verestro CMS you have to create User Balance first. Payment card issued for particular User Balance cannot be moved to another balance later.


There is an important rule - one user can have multiply balances and for every balance user can have multiply payment cards.




To create User Balance use the following methods:


For more information about account / balance management please check technical APIs.


Card issuing


With the Antaca API you can offer your customers three types of cards:


  • Virtual card - Digital card without any physical components.
    • 

  • Physical card – The traditional plastic payment card.
    • 

  • Digital First card - Physical copy of your virtual card.
    • 

To be able to issue a card for a user, 3 requirements must be met:


  • User must exist in a PCI DSS compliant Data Core system in Verestro. Make sure you register user via User Lifecycle API & SDK. - link
    • 

  • User must be strongly verified according to KYC. You can use Verestro KYC or own KYC process.
    • 

  • The user must have a User Balance under which the card will be generated.
    • 

  • After those 3 steps you can issue a card for the user.
    • 

Digital card


If the API receives the request, it will create a 16-digit PAN (Permanent Account Number), CVC2 (Card Verification Code), and Expiry Date. You can then deliver this information to your customer. 


Physical card





Digital-first card


CMS Antaca has been designed to meet the requirements of the Digital First program belonging to Mastercard, which contains guidelines for payment and e-banking applications to maintain the highest level of security, convenience of use in terms of accessibility and payment solutions from the level of the telephone and other devices.


The digital-first card is a physical copy of a virtual card that reflects its actual condition. It can be produced as a blank plastic with no data imprinted on it.


Actions


Create virtual


This method enables creation of virtual payment card for already created user and balance.


Availability


Collection
URL
Authentication
Encryption required
Available for admin roles

Customer


POST /customers/me/cards/virtual


or for an asynchronous process


POST /customers/me/cards/virtual/async


Session token 


YES* - JWE 





*for an asynchronous process NO


N/A

Admin
POST /admin/customers/{customerId}/cards/virtual
Session token
YES* - JWE 
Admin, Manager

API


POST /secure/customers/{customerId}/cards/virtual


or for an asynchronous process


POST /secure/customers/{customerId}/cards/virtual/async


x509 certificate


YES* - JWE 





*for an asynchronous process NO


N/A

Lock


This functionality enables temporary or fixed blocking of already issued cards. After card being blocked every authorisation request will be rejected. While using this method you need to inform CMS Antaca about reasons of card blocking. List of reasons is described below in the table.


Code No
Card stop reason
Failure Action code on POS/ATM
irreversible

1
Card lost
2008
YES

2
Card stolen
2009
YES

3
Pending query
1000
NO

4
Card consolidation
1016
NO

5
Card inactive
1018
YES

6
PIN tries exceeded
1006
NO

7
Suspected fraud
1002
NO

8
Card replaced
1011
YES

Availability


Collection
URL
Authentication
Encryption required
Available for admin roles

Customer


POST /customers/me/cards/{cardId}/lock





Session token 


NO


N/A

Admin
Administrator blocks the card through the core of the administration panel
N/A
N/A
N/A

API


POST /secure/customers/{userId}/cards/{cardId}/lock


x509 certificate


NO


N/A

Unlock


This functionality enables unblocking previously blocked card. It works in case the card was not blocked with Code No 1, 2, 5 or 8 described in the above table (card lost, card stolen, card inactive or card replaced). CMS Antaca does not need reasons for card unblocking.


Availability


Collection
URL
Authentication
Encryption required
Available for admin roles

Customer


POST /customers/me/cards/{cardId}/unlock





Session token 


NO


N/A

Admin
Administrator unblocks the card through the core of the administration panel
N/A
N/A
N/A

API


POST /secure/customers/{userId}/cards/{cardId}/unlock


x509 certificate


NO


N/A

Remove


This functionality enables card deletion from CMS Antaca. Deleted card cannot be restored. 


Availability


Collection
URL
Authentication
Encryption required
Available for admin roles

Customer


DELETE /customers/me/cards/{cardId}


Session token 


NO


N/A

Admin
Administrator delete the card through the core of the administration panel
N/A
N/A
N/A

API


Other APIs remove the card via LC or directly in DC


N/A


N/A


N/A

Get full data


This functionality enables receiving full card data (PAN, Expiry Date, CVC2 or CVV). Access to those data for user should be always connected with additional authorisation by user (fingerprint, application PIN).


Availability


Collection
URL
Authentication
Encryption required
Available for admin roles

Customer


GET /customers/me/cards/{id}


Session token 


YES


N/A

Admin
Administrator cannot view the full details of the cards
N/A
N/A
N/A

API


GET /secure/customers/{customerId}/cards/{id}


x509 certificate


YES


N/A

Reset CVV


This functionality enables generation of new CVC2 or CVV number for virtual or digital first cards.


Availability


Collection
URL
Authentication
Encryption required
Available for admin roles

Customer


POST/customers/me/cards/{cardId}/cvv


Session token 


YES


N/A

Admin
POST /admin/cards/{cardId}/cvv
Session token
YES
Admin, Manager, Employee

API
N/A
N/A
N/A
N/A

Order physical card


This functionality enables ordering plastic card. Process of card personalisation can take up to 48 hours depending on chosen personalisation center. Additionally card will be transferred to user by courier or post office. Physical card ordered by this functionality will be inactive until activation action.


Availability


Collection
URL
Authentication
Encryption required
Available for admin roles

Customer





Session token 


YES


N/A

Admin


Session token
YES
Admin, Manager, Employee

API


x509 certificate
YES
N/A




Around 48 hours after card ordering it will be visible in user resources. After Verestro receives confirmation from personalisation center that card was personalised CMS Antaca connects card with user account and balance. From this moment it can be visible for user and can be activated.


Print virtual


Functionality available only for programs registered in Digital First by Mastercard. It enables creation of physical copy of already existing virtual card. Digital First card does not contain card data or user data on its plastic. It does not require activation. For more information please contact us.


Availability


Collection
URL
Authentication
Encryption required
Available for admin roles

Customer





Session token 


YES


N/A

Admin


Session token
YES
Admin, Manager, Employee

API


x509 certificate
YES
N/A

Set PIN


This functionality is available for physical and Digital First cards. It enables setting up PIN that is used for face-to-face transactions (POS and ATM).




IMPORTANT:


  • After setting up new PIN it is required to perform standard chip & pin transactions (recommended on ATM) to transfer PIN to chip on the plastic to be able to process off-line PIN transactions.
    • 

  • Majority of POS terminals verifies offline PIN what can result in message "Incorrect PIN" on terminal. User should be informed about it.
    • 

  • In case of contactless transactions online PIN will be used in all cases so user will not receive "Incorrect PIN" message on terminal.
    • 



Availability


Collection
URL
Authentication
Encryption required
Available for admin roles

Customer


POSThttps://prepaidapi.upaid.pl/customers/me/cards/{cardId}/pin


Session token 


YES


N/A

Admin
N/A
N/A
N/A
N/A

API
N/A
N/A
N/A
N/A

Activate card


This functionality enables activation of previously ordered physical card. Card transactions will not work until card is activated. 


Availability


Collection
URL
Authentication
Encryption required
Available for admin roles

Customer





Session token 


NO


N/A

Admin


Session token 
NO
Admin, Manager, Employee

API


x509 certificate
NO
N/A

Lock outside


This functionality enables blocking of card in CMS Antaca on request of external entities (MC or VISA or acquirers). It can be used in case user entered incorrect PIN 3 times or in other fraud related actions. This lock cannot be removed if card was blocked by Code No 1, 2, 5, 8 (see below). The table below contains all possible reasons of card lock.


Code No
Card lock reason
Failure Action Code on POS/ATM
Irreversible

1
Card lost
2008
YES

2
Card stolen
2009
YES

3
Pending query
1000
NO

4
Card consolidation
1016
NO

5
Card inactive
1018
YES

6
PIN tries exceeded
1006
NO

7
Suspected fraud
1002
NO

8
Card replaced
1011
YES

More information on Partner Balances and Deposit Requirements


Partner Balance


Partner Balance is used in the projects with Verestro and enables additional security of transaction funding for Verestro.. Main Company Balance attributes are currency, balance value and balance state. 


Company Balance is used for transaction settlements in case of foreign exchange transactions especially in situations where there are differences between authorisation and clearing amounts. Verestro will setup Partner Balance for every project.


Partner Credit Balance


Partner Credit Balance is used to process transactions of Partner especially in cases where User Balance is hold by Verestro. Examples of such projects are many standard projects where Partner is not financial institution or e-Wallet and does not hold User Balances on its side.


The main reason to use Partner Credit Balance is limiting transactions performed by Partner's users to funds hold on Partner Credit Balance. Verestro and its BIN sponsors cannot risk processing transactions without having funds available so this deposit needs to be used to enable transactions in such cases.


Partner through Verestro Administration Panel has access to actual level of Partner Credit Balance and can reload it by sending banking transfer to BIN Sponsor cooperating with Verestro. Partner can receive notification via e-email if Partner Credit Balance goes below pre-defined level.




Partner Deposit Balance


Partner Deposit Balance is used alternatively to Partner Credit Balance. Partner Credit Balance is used to process transactions of Partner especially in cases where User Balance is not hold by Verestro. Examples of such projects are the ones with other wallet providers that already hold user balance or project where Verestro through its partners acts as BIN Sponsor or Principal Member for Affiliate Partner.


The main reason to use Partner Deposit Balance is limiting transactions performed by Partner's users to funds hold on Partner Deposit Balance. Verestro and its BIN sponsors cannot risk processing transactions without having funds available so this deposit needs to be used to enable transactions in such cases.


Partner through Verestro Administration Panel has access to actual level of Partner Deposit Balance and can reload it by sending banking transfer to BIN Sponsor cooperating with Verestro. Partner can receive notification via e-email if Partner Deposit Balance goes below pre-defined level.






Balance Summary in Administration Panel


Summary Balances are a control tool used for accounting and liquidity verification reasons. They are presented in Administration Panel in every currency used in the project.


Users


Presents sum of all User Balances in particular currency.


Wallet


Presents sum of all User Balances and all Partner Balances in particular currency.


Actions


Create user balance


This functionality enables creation of user balance in particular currency.


Create Partner Deposit Balance or Partner Credit Balance


Not used in standard projects. This functional enables Partner creation of new Partner Deposit Balance or Partner Credit Balance for particular projects.


Get User Balance


Enables getting user balance and list of cards connected to this balance (account).


Get Partner Deposit Balance or Partner Credit Balance






This functional enables Partner getting information of Partner Deposit Balance or Partner Credit Balance for particular projects.


Reload Partner Deposit Balance or Partner Credit Balance




Not used in standard project. This functional enables Verestro to reload Partner Deposit Balance or Partner Credit Balance for particular projects. It is used by Verestro.


Reload user balance


This functionality enables reloading User Balance. 


Other functionalities


You can find additional methods in API descriptions:


In case of questions please let us know.

    
        

    


    
                        

                

            

        
        

            


    

        
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