3 October 2025
Changes between 5 September and 3 October 2025
Control Center - Exchange rates
New
You can now manage exchange rates in Pismo Control Center. Refer to Exchange rates for more information.
Control Center - Card network tokenization
New
You can now configure card network tokenization in Pismo Control Center. Refer to Card network tokenization for more information.
Control Center - Multi-factor authentication
New
Control Center now gives you more ways to protect your account. In addition to email verification, you can now use authenticator apps and passkeys for a more secure sign-on. Details for setting up additional authentication methods are provided in the Add additional methods for multi-factor authentication (MFA) guide.
Additionally, the Multi-factor Authentication in Control Center (MFA) section of the Security guide for Control Center was rewritten to reflect that MFA is required for all environments and to mention the new authentication options for users.
Control Center - Seller management
New
You can now configure and manage marketplaces, merchants, creditor operations, MDR fees, and settlement schedules within Control Center when you and your org have been granted access to Seller management. The new Seller management in Control Center guide provides an overview of each feature and how to work on those within Control Center.
Restrict funds
New
The restrict funds feature is now live. This feature enables financial institutions to instantly block or restore account fund access—individually or in bulk—based on regulatory, fraud, or client-driven requirements. You can block full or partial amounts in your clients’ accounts either due to request or judicial/regulatory events such as liquidation or receivership. This feature includes four endpoints:
Accounting
Docs
The accounting API documentation was updated for standards.
Migrations
Updated
Now you can pass a zero “0” value for the cvv_rotation_interval
if a virtual card does not have CVV rotation requirements when using the Migrate cards endpoint. Note that passing a blank value indicates a 24 hour rotation interval.
Docs
The open_due_date
field description in the Migrate accounts (v2) endpoint was updated to provide clarification.
Payments
Updated
The Create cash-in or cash-out endpoint now includes the new original_authorization
request field.
Updated
The Platform authorization created event now includes the new merchant
object field.
Processing codes
The following standard processing codes were added. In addition, a new TRANSACTION_BANKING
tag was added.
219258 HELD FUNDS CASHOUT TRANSFER
219259 UNDO HELD FUNDS CASHOUT TRANSFER
220054 CHECK CASHIN TRANSFER
220055 UNDO CHECK CASHIN TRANSFER
220056 CHECK HOLD FUNDS
220057 UNDO CHECK HOLD FUNDS
220058 CHECK RELEASE FUNDS
220059 UNDO CHECK RELEASE FUNDS
220060 CHECK CASHIN FUTURE FUNDS
220061 UNDO CHECK CASHIN FUTURE FUNDS
220062 CHECK RELEASE FUTURE FUNDS
220063 UNDO CHECK RELEASE FUTURE FUNDS
PSM039 CASHBACK
PSM041 FUTURE DATED CASHIN TRANSFER
PSM042 UNDO FUTURE DATED CASHIN TRANSFER
PSM043 FUTURE DATED CASHOUT TRANSFER
PSM044 UNDO FUTURE DATED CASHOUT TRANSFER
PSM045 RESTRICT FUNDS
PSM046 RESTRICT FUNDS CANCEL
PSM047 RELEASE RESTRICTION
PSM048 RELEASE RESTRICTION CANCEL
PSM049 RESTRICTED FUNDS CASHOUT TRANSFER
PSM050 RESTRICTED FUNDS CASHOUT TRANSFER CANCEL
PSM051 FPS Payment
PSM052 FPS Payment Rev
PSM053 FPS Payment Rev Canc
PSM054 FPS Receipt
PSM055 FPS Receipt Rev
PSM056 FPS Receipt Rev Canc
PSM057 FPS Transfer In
PSM058 FPS Transfer In Rev
PSM059 FPS Transfer In Rev Canc
PSM060 FPS Transfer Out
PSM061 FPS Transfer Out Rev
PSM062 FPS Transfer Out Rev Canc
Setup
Docs
The following updates were made on the Program parameters guide.
- A “Category” column was added to the table.
- The missing program parameter "Overlimit fee amount" was added.
- The text was updated to explain what it means for a program parameter to be “required”.
- A note defining “Display name” was added.
Banking operations
New
The following new endpoints are now available:
- Withdraw money
- Cancel account
- List Org interest plans
- Configure timing for division accrual calculation
Docs
Body parameters division_id
, interest_by_tiers
, and interest_thresholds
were incorrectly listed in the Configure benchmark rate endpoint documentation. They were moved to the Create interest plan endpoint documentation where they belong.
Docs
The required header field x-program-id
was added to the Create interest plan endpoint documentation.
Docs
The benchmark body parameter of the Create interest plan endpoint has a new possible value:
TO: Overnight Interbank Target Rate (Tasa Objetivo), Mexico
This value can be returned by the Get interest plan and List Org interest plans endpoints.
Docs
In the Create interest plan endpoint, updated the type
and tier_calculation
fields of the interest_by_tiers
object to show the possible values for the enums.
Docs
The “Overwrite account interest” endpoint was renamed to Update account interest.
Instant payments
Updated
For Instant payments - Pix management > Keys > Update key entry > reason
, the enum value RFB_VALIDATION
has been added. RFB stands for Receita Federal do Brasil and is the Brazilian federal revenue service.
Transaction banking
New
The following new operation block endpoints (v2) are now available. They allow you to block all operations for entire account groups, while still permitting certain authorized activities—such as earmarks or check processing. This ensures that essential internal processes can continue even when most activities are frozen.
- Create operation block
- List operation blocks
- Get operation block details
- Update operation block
- Revoke operation block
New
The check posting API is now available in beta release. It allows you to post a check to a specified external account, with the option to settle the amount immediately or at a future date. This API includes the following endpoints:
Updated
The Post multi-leg payment and Get multi-leg payment status endpoints include several enhancements.
multileg_id
replacestracking_id
as the identifier for an entire multi-leg payment transaction.- Validation and error handling was improved with per-leg options to override or force account status and ledger checks, reducing the likelihood of rollbacks.
- Custom metadata provided in the request is returned in responses and included in events to support reconciliation and reporting.
- Instant clearing and earmark support are available for debit and credit legs.
The Multi-leg payments guide was updated to reflect these enhancements.
Docs
The following new guides are now available:
- Get started with transaction banking provides step-by-step instructions for onboarding to transaction banking.
- Operation block allows financial institutions to temporarily restrict account activity at the program, division, or organization level.
- Restrict funds enables financial institutions to block full or partial amounts in their clients’ accounts. This capability is essential in situations where specific funds must be excluded from the general asset pool available to unsecured creditors, ensuring they receive priority handling or special protection.
- File-based processing allows you to upload UTF‑8 NDJSON files that contain a specific operation type, such as RESTRICT_FUNDS, to execute multiple transactions in bulk. Each file is processed asynchronously, line by line, ensuring that a failure in one instruction does not halt the rest.
Card network integration
Docs
The following new validation codes were added to the Validation codes for authorization events guide and their definitions were added to the Validation code definitions guide as linked below:
Docs
The description for the Network authorization received event was updated for clarification and to indicate the event is for Full balance only.
Cards
Updated
A new validity_period_hours
field was added to the Create card, Reissue card, and Create noname card bulk endpoints. This field is for PLASTIC
and VIRTUAL
cards and allows callers to set how long, in hours, the card is valid. This period cannot exceed the expiration date. These endpoints and the Get cards for customer and account, Get account cards, and Get non-PCI card information endpoints return this field in the response and also return a valid_until
field that uses validity_period_hours
to calculate the validity end datetime in ISO 8601 format. Two new endpoints were added to manage this field - Renew card validity and Delete card validity period.
As part of this, a new Custom expiration for plastic and virtual cards section was added to the Cards management guide.
Docs
A new Card reissue reissue section has been added to the Card reissuing guide. This section details how to create a new reissue reason via Pismo’s Jira service desk.
Deprecated
The deprecated stage
field was removed from Cards API reference documentation.
Disputes
New
There is a new Disputes API section: Card issuing - Disputes > Fraud report. This section contains 4 new endpoints - Create fraud report, Get fraud report, Update fraud report, and List fraud report logs.
New
There are new fee endpoints - Create fee V2 and Get fee V2. A dispute fee is a way for an acquirer and issuer to exchange money outside the normal chargeback process. The V1 fee endpoints were associated with the dispute/installment and the V2 endpoints can only be created with transaction ID (Full balance), transaction information (Zero balance), card ID and customer ID, or NetworkCaseID (VisaCaseNumber). The new endpoints currently support Visa fees, more card networks will be supported in the future.
Updated
New fields were added to the Card issuing - Disputes > Disputes > Update dispute endpoint’s request and response. Added to the request are transaction_amount
, transaction_date
and arn
. Added to the response are transaction_amount
, transaction_date
, and currency_code
.
Statements
Updated
The following event files were updated and moved to the appropriate Statement refinancing section.
Updated
The following updates were made on the List statements v3 endpoint.
- New body parameter
presentToPast
was added. - Descriptions of
startFromCurrentCycle
andpresentToFront
were updated. - Endpoint description was updated to explain how
startFromCurrentCycle
,presentToFront
, andpresentToPast
work together.
Updated
The withStatements
query parameter was added to the List transaction balances endpoint. When this parameter is set to true
, a statement
object field is included in the items array of the 200 response.
Docs
An alert message was added to the introductory section of Credit liquidation to explain that once an account has been through the CRELI process and closed, it cannot be reopened.
Docs
The Accrual status changed event documentation was updated with added field titles, updated most of the field descriptions, and other minor changes.
Docs
A new guide Accrual status changed event flows is now available. It explains how to interpret the “Accrual status changed” events based on the value of their account_status
field.
Docs
A note was added to the description of the Configure features by account status endpoint explaining that if the status is set to bypass the billing cycle closure and the account reaches that status, it cannot revert to a previous status.
Docs
The description of the total_due_amount
field in 200 response for the Get statement endpoint was corrected. The original description said that the field did not include debits from previous statements. It should have said that it only includes debits from previous statements.
Docs
In the Create transaction category endpoint, the descriptions of the following body parameters were updated:
default_rate
overdue_rate_after_due_date
refinancing_rate_after_due_date
Docs
The Over-limit fees guide was rewritten and reorganized to fix some inaccuracies and add clarity.
Docs
The missing strategy
field was added to the FIXED CYCLE CLOSING STRATEGY
object in the Create program calendar strategy endpoint.
Lending
New
The new List account loans endpoint is now available. It enables you to list all loans belonging to a customer account.
Merchants
Deprecated
The following endpoints were marked as deprecated and are scheduled to be removed 8 October, 2025. Refer to API endpoint deprecation and removal schedule for the full deprecation schedule.
Pismo Control Center
Deprecated
Disputes management documentation was removed from the Control Center documentation. This feature is not released in Control Center yet and documentation for it was posted erroneously earlier.
Docs
A new section, Assign roles in Control Center, was added to the Get started with SSO for Control Center guide. This new section describes role mapping and explains how to map and assign user roles in Control Center. Control Center users can be assigned to multiple roles, each with different permissions. If you have multiple organizations, you can assign your users to different roles for each organization.
Docs
Directions for logging in were added to assist if you don’t get the welcome emails.
Postman
Docs
The following Postman developer guides were updated to adhere to documentation standards.