4 October 2024

Accounts

Updated

The custom_fields object for any custom key/value information is now available in the following endpoints.

• Create account application (in the request, application > applicant > address)
• Create address (in the request)
• Get address (in the response)
• Update address (in the response)

Updated

In the Account status changed event, the new reason_external_id field is now available.

Updated

In the Update account status endpoint, the status field is now required.

Updated

The Migrate account to different program endpoint has been renamed to Transfer account to different program.

Flex controls

Updated

In the Evaluation requested event, the new evaluated_controls array field returns the list of validated flex controls.

Docs

The Rules events section was renamed to Flex controls.

Docs

The Flexible transaction controls guide has been updated to include the following options in the attribute body parameter.

• number_of_installments
• is_physical_card_present
• is_password_present

Payments

New

The payment scheduler functionality is now available in beta release to create payment pre-schedules. In addition to the new API, the following new events are available.

• Scheduled payment created or modified
• Scheduled payment executed

Updated

The payment methods guides and APIs have been reorganized and the following changes have been made.

• The new Payment methods overview outlines two main payment methods categories supported by the Pismo platform.
• The [beta] tag was removed from the Payment methods and Authorization validation rules for platform operations guides and the Payment methods, Payment method configs, and Payment method acceptances APIs.
• The introduction section of the Payment methods has been updated with the recommendation note and additional information about the API scope.
• The Payments and transfers guides have been updated with the recommendation note.

Docs

In the Create transfer endpoint documentation, the name of the payment_datetime field has been corrected.

Setup

Docs

The Orgs and Programs API reference documentation has been updated for standards.

Bank accounts

New

Two new endpoints have been added to the Bank accounts API. These endpoints allow you to register ACH or Fedwire accounts with Pismo.

• Register ACH account
• Register Fedwire account

Instant payments

New

The new Check DICT keys endpoint has been added to the Pix management API. This endpoint enables you to check whether a key exists in the national DICT database, given the seed value (such as an email) used to generate it. Multiple keys, each based on a different seed value, can be checked in the same request.

New

The new Withdrawal services category in the Pix instant payments API contains two new endpoints.

• Validate bank as withdrawal servicer
• Get withdrawal service information

Update

The new authorization_datetime field has been added to the 200 response for the Transfer payments and Get funds transfer status endpoints. It represents the date/time when the transfer was authorized.

Update

The new optional name_type field has been added to the following Pix management endpoints.

• Create key entry
• Update key entry
• Create key claim

Deprecated

The deprecation schedule has been updated with the planned deprecation of the Pix management endpoints.

Integrated payments

New

The discount object has been added to the instructions object in Issue bank slip. The discount object is for to discounts applied to bank slips that are paid either before or on the deadline.

Interest-bearing accounts

Updated

The new savings_accounts_configs field has been added to the following endpoints.

• Attach savings account to account
• Attach savings accounts to program

Transaction banking

New

The new Upload bulk file endpoint has been added to the Transaction banking API. This endpoint enables you to manage the upload of bulk source files with their corresponding signatures to Pismo.

Updated

The error message Invalid payment datetime for instant clearing payment is no longer needed and has been removed from the Post payment and Schedule payment endpoints for the following reasons.

• The instant_clearing property can now be configured in the metadata field in the Create holiday endpoint. If you don't provide instant_clearing in the payment request, the value from the holiday API will be used. If there is no configuration in metadata, the default value false is used.
• For future-dated transactions with instant_clearing set to true, there is no longer a validation blocking this type of request. Instead, it will be treated as a future-dated transaction with regular clearing.

Updated

The following fields have been added to the restrictions object of the 200 response payload in Get dormancy configuration. The purpose of these fields is to enable you to use custom reason codes in dormancy.

• current_reason_external_id
• new_reason_id
• new_reason_external_id

Updated

The new reason_external_id field has been added to the 200 response payload of Get transaction banking account information. This field enables users to use custom IDs for reason codes.

Updated

In the Post payment endpoint, the descriptions of the following fields have been updated.

• payment_datetime — You can now backdate payments up to seven calendar days or postdate them up to ten calendar days.
• business_date— You can now set this field to the current working day or up to one working day before or after.

Updated

The note has been added to the Schedule payment endpoint explaining that the validation of a transaction only occurs during the scheduled payment execution.

Updated

The error message Invalid business date format has been updated to include a statement about the date format validation mechanism. This mechanism not only verifies the date format (yyyy-mm-dd), but also checks for invalid dates such as 2024-09-31. This mechanism is included in the following endpoints.

• Post payment
• Request bulk settlement
• Past business date toggle

Updated

In the Post payment endpoint, the description of the skip_account_date_validation field has been updated to read "If FALSE, the payment_datetime is validated against the account creation date/time. If TRUE, the validation is skipped."

Docs

Two new guides are now available.

• Calendars and holidays in transaction banking
• Posting transactions on holidays

Card network integration

New

The new RED validation code for credit vouchers has been added to Validation codes for authorization events.

Updated

In RED - Operation not allowed by rules / Rules do not honor / Rules internal error / Operation not permitted - credit voucher, the description for the RED validation code has been updated to include credit vouchers

Updated

In Validation codes for authorization events, the RED validation code “Operation not allowed by rules” for Visa has been changed to 78.

Card tokenization

New

There is a new card tokenization endpoint that allows someone using the Samsung Pay SDK to get encrypted card data for tokenization.

Docs

The card tokenization process for 3rd party wallets has been revised and improved. Sequence diagrams have been added showing where in the tokenization process events are generated.

Cards management

Update

The new How the Pismo platform handles credit voucher authorization section has been added to the Full balance credit program guide.

Statements

New

The new Payment tolerance guide describes the new feature.

New

The new INTEREST_RATE_PERIOD program parameter is now available. Its display name in Pismo Control Center is Interest rate period. This parameter has been added to the Program parameters reference table and the new Changing the interest accrual rate section has been added to Configuring accrual rates to explain the purpose and use of the new parameter.

Update

In the List account accruals endpoint, three new query parameters are now available.

• interestAccrualId
• transactionId
• statementId

Update

The new additional_info object field has been added to the List account accruals v2 and List account accruals v3 endpoint. The new field contains one property, account_financial_classification, which is a customer-defined number representing the financial classification of the account.

Update

The new addition_info object field has been added to the following events.

• Accrual created
• Reversal accrual created

The field contains one property, account_financial_classification.

Update

The following endpoints now require a JWT token that includes the account ID. The API has been updated accordingly, with a note added to the description of each endpoint, and the endpoints have been added to Endpoints that require an account-specific token.

Delinquent account API:

• Close delinquent account
• Get delinquent account closure process information

Delinquency bucket API:

• Get delinquency bucket
• List delinquency buckets

Recurring charge API:

• Create recurring charge plan
• List recurring charge plans
• Get recurring charge plan
• Disable recurring charge plan
• Create link
• Get link between a plan and an account
• Delete recurring charge link
• List recurring charge plan links
• List account links
• List scheduled charges
• Get scheduled charge
• Update scheduled charge

Setup

Docs

The new Zero balance integration - issuer’s guide guide is now available.

Merchants

Deprecated

In Create merchant, Create creditor, and Update creditor, the following fields have been deprecated:
BANK
credit_frequency
credit_frequency_day

Update

In the Create merchant endpoint, crediting_method used to allow either ACCOUNT or BANK. It now only allows ACCOUNT. The endpoint definition has been updated to clarify how a new merchant is assigned to a program.

Update

The new Overriding the scheduled payment date section has been added to How merchant settlements are processed. A new bullet point with a link to the new section was added to the note earlier in the article.

Pismo Control Center

New

Pismo Control Center now supports the following features.

• Interest plans, which define how interest is calculated and applied to a product or account.
• Deposit products, which include savings deposit accounts and time deposit accounts.