BaaS Card management

Freeze Card

The card can be frozen using the Freeze card API. The freeze card is a soft block and action can be undone.

Unfreeze card

The card can be unfrozen using the Unfreeze card API. The freeze card is a soft block and action can be undone.

Terminate Card

The card can be terminated using the Terminate card API. Card termination is a hard block and action can’t be undone.

Update card limits

Card limits can be changed using the Update card limits API.

The main limits categories are:

  • “purchases” – purchases in POS
  • “internetPurchases” – online purchases
  • “contactlessPayments” – contactless payments in POS
  • “withdrawals” – cash withdrawals from ATM
  • “overallLimits” – these limits override all above-mentioned limits. Other limits can’t be higher than “overallLimits”
  • “availableAmount” – how much of the limits is still available
  • “usedAmount” – how much of the limit is already used

Change PIN (only for ChipAndPin)

Card PIN can be changed using Change card PIN API. New PIN must be encrypted using provided permanent public RSA key (to be requested from ConnectPay representative). For changes to take effect one successful operation is required in POS or ATM. We recommend always using ATMs as not all POS support change PIN functionality.

Sample Program to encrypt PIN:

package com.connectpay.card.crypto.utils;

import java.nio.charset.StandardCharsets;
import java.security.KeyFactory;
import java.security.PublicKey;
import java.security.spec.MGF1ParameterSpec;
import java.security.spec.X509EncodedKeySpec;
import java.util.Base64;

import javax.crypto.Cipher;
import javax.crypto.spec.OAEPParameterSpec;
import javax.crypto.spec.PSource;

public class EncryptionProcess {

    public static void main(String[] args) throws Exception {
        // Create a KeyFactory instance with RSA algorithm
        KeyFactory kf = KeyFactory.getInstance("RSA");

        // Need to use different Public key string for PROD and NONPROD
        String pubString = "publicKeyProvidedByConnectPayRepresentative";

        // Decode the public key string from Base64
        byte[] encodedPubKey = Base64.getDecoder().decode(pubString.getBytes(StandardCharsets.US_ASCII));

        // Create an X509EncodedKeySpec with the decoded public key bytes
        X509EncodedKeySpec keySpec = new X509EncodedKeySpec(encodedPubKey);

        // Generate the PublicKey object from the key spec
        PublicKey publicKey = kf.generatePublic(keySpec);

        // Generate the PIN to be encrypted
        String pinToEncrypt = "9825";

        // Encryption
        Cipher encryptCipher = Cipher.getInstance("RSA/ECB/OAEPPadding");

        // Specify the OAEP parameters (PIN, CVV2, CardNumber)
        OAEPParameterSpec oaepParams = new OAEPParameterSpec("SHA-256", "MGF1", new MGF1ParameterSpec("SHA-256"),
                new PSource.PSpecified("PIN".getBytes(StandardCharsets.US_ASCII)));

        // Initialize the encryption cipher with the public key and OAEP parameters
        encryptCipher.init(Cipher.ENCRYPT_MODE, publicKey, oaepParams);

        // Encrypt the PIN
        byte[] encryptedPin = encryptCipher.doFinal(pinToEncrypt.getBytes(StandardCharsets.UTF_8));

        // Encode the encrypted PIN in Base64 and format the message
        String encodeToString = Base64.getEncoder().encodeToString(encryptedPin);
        System.out.println("EncodeToString: " + encodeToString);
        String encryptedPinBase64 = "-----BEGIN PIN MESSAGE-----\n" + encodeToString + "\n-----END PIN MESSAGE-----";

        // Print the Base64 encoded encrypted PIN
        System.out.println("encryptedPin:" + Base64.getEncoder().encodeToString(encryptedPinBase64.getBytes()));
    }

}

Update Card Security settings

Card security settings can be changed using the Update card security settings API. The main categories are:

  • “contactlessPayments” – contactless payments are on/off
  • “withdrawals” – withdrawals are on/off
  • “internetPurchases” – internet purchases are on/off
  • “overallPurchases” – if the overall purchases setting is on, then “overallLimits” will apply. Please check Update card limits API

Update Card 3DS security settings

Card 3DS security settings should be updated using the Update Card 3DS security settings API. The settings should be set to allow internet purchases. APIs is used to update values and set values initially.

Personal onboarding

Accounts using BaaS

Card creation

Card details & transactions

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