7 November 2025

Changes between 3 October and 7 November 2025

Cards

New

Issuers can now create or reissue cards without PCI data (PAN/PIN) that they can define themselves at some future date. A new card status - UNNUMBERED - was created to support this. Two new fields - status and brand - were added to the Create card and Reissue card endpoints. Two new endpoints in a new API section (Card issuing - Cards > Issuer PAN/PIN) were added - Update nominal card PAN/PIN and Update noname card PAN/PIN. These endpoints are currently in beta release. A new Issuer-defined PAN/PIN section was added to the Cards management guide. A PAN_UPDATE enum was added to the operation_type field for the Card updated event.

Control Center

New

The Dual approval and Account actions guides were updated to reflect that users with dual approval capability can now change an account status in Control Center with the dual approval process. The dual approval guide was also updated to make navigation easier, improve clarity, and include more answers to frequently asked questions.

Accounts

New

A new program_calendar_strategy_id field was added to the Create account application endpoint. This field determines how program calendars are created. For more information, refer to the Create program calendar strategy endpoint.

Updated

The external_id field was added to the Update account endpoint. This field is customer-provided, and is for customer tracking and monitoring.

Flexible transaction controls

Docs

In the Flexible transaction controls guide, the note was added to specify limits on the number of flex controls you can create.

General

Docs

Core objects documentation was updated to adhere to documentation standards.

Migrations

Deprecated

The Migrate accounts (v1) endpoint was deprecated, removed, and replaced with the Migrate accounts (v2) endpoint. Documentation was updated accordingly throughout.

Docs

In the Migrate PCI cards endpoint documentation, fictional PAN example was updated and a disclaimer was added.

Docs

In the Migrate accounts (v2) endpoint, field description for available_credit_limit was updated to indicate debit cards can also use this field.

Docs

The account_id field description in the Migrate cards endpoint was updated to explicitly mention that this field must match the applicant.migration.id from the Migrate accounts endpoint.

Docs

The following field descriptions in the Migrate cards endpoint were updated to adhere to documentation standards

combo_account_id
account_id

Docs

The Migrate customers endpoint introductory sentence was revised to adhere to documentation standards.

Organizations

Updated

New fields were added to the Update organization endpoint request and response: official_name, org_name, language, cycle_closing, holiday_calendar_id, and responsible. Refer to the endpoint documentation for field descriptions.

Updated

Two new tags, TRANSACTION_BANKING and FPS, were added to the tags field in the Create processing code endpoint.

Docs

The following updates were made in the Organizations API reference documentation.

Core platform - Orgs was renamed to Core platform - Organizations
Get Org was renamed to Get organization
Update Org was renamed to Update organization

Payments

Updated

In the Create simulation endpoint, the custom_filters and payment_agreement fields are now available.

Updated

In the Request authorization endpoint, the following existing error messages are now documented.

WONA0004 - MTI required
WONA0013 - Amount can't be negative
WONA0015 - Initiator ID required
WONA0016 - Network required
WONA0018 - Invalid MTI
WONA0019 - Invalid entry mode
WONA0032 - Amount must be greater than zero
WONA0033 - Beneficiary ID must be UUID
WONA0036 - Invalid clearing type
WONA039 - Max amount exceeded
WONA040 - Invalid amount decimal places
WONA041 - Invalid tracking ID size
WONA042 - Invalid authorization date time format
WONA043 - Invalid posting date format
EINS0004 - External calculation invalid contract amount
EINS0005 - External calculation invalid principal amount
EINS0006 - External calculation principal greater than contract amount
EINS0010 - External calculation invalid installment number
EINS0011 - External calculation invalid installment info size
EINS0012 - External calculation invalid installment amounts
EINS0015 - External calculation invalid sum installment
EINS0016 - External calculation invalid first payment date

Updated

The following new rejection reasons were added to the Original authorization retrieval validation rule.

ORIGINAL_AUTHORIZATION_IS_NOT_PENDING
ORIGINAL_AUTHORIZATION_DIFFERENT_PROCESSING_CODE
ORIGINAL_AUTHORIZATION_DIFFERENT_CLEARING_TYPE
ORIGINAL_AUTHORIZATION_DIFFERENT_CURRENCY
ORIGINAL_AUTHORIZATION_DIFFERENT_NUMBER_OF_INSTALLMENTS
ORIGINAL_AUTHORIZATION_WITH_EXTERNAL_CALCULATION
INCREMENTAL_AUTHORIZATION_WITH_EXTERNAL_CALCULATION
MULTIPlE_CONFIRMATION_WITH_EXTERNAL_CALCULATION
MULTIPlE_CONFIRMATION_ORIGINAL_AUTHORIZATION_WITH_EXTERNAL_CALCULATION
MULTIPlE_CONFIRMATION_ORIGINAL_AUTHORIZATION_DIFFERENT_NUMBER_OF_INSTALLMENTS

Updated

In the Platform authorization created event, the new related_accounts array is now available.

Docs

In the Request authorization endpoint documentation, in the amount field description, the erroneous provision that the amount can't be 0 was removed. The platform supports a zero amount authorization model where you can validate the flow without causing any financial impact.

Processing codes

Docs

Date in the New authorization system info box in Custom processing codes was updated to explicitly clarify date reference to January 2, 2025.

Programs

Updated

New program events were added: Program created and Program updated. The following endpoints generate and link to Program created: Create program, Create program (async), Copy program, and Copy program (async). The following endpoint generates and links to Program updated: Update program.

Security

Docs

The Identity connectivity with mTLS guide was updated to remove the requirement for customers to provide a risk letter when using certificates from a signing authority other than Cloudflare.

Support

Docs

Pismo Service Desk documentation was updated to adhere to documentation standards.

Transactions

Docs

In the List transactions endpoint, the description of the response amount.type field was updated to explain each available amount type.

Events

Updated

The Timeline events table, the following events were added.

For Confirmation type:

AUTHORIZE – Operation was authorized.
CANCELLATION – Operation was cancelled.
REPLACEMENT– Operation was replaced.
REFUSAL – Transaction was not authorized and was refused.

For Transaction type:

CANCELLATION_REFUSAL – Cancellation was not authorized and was refused.
CANCELLATION_REVERSAL – Cancellation was reversed.
PARTIAL_CANCELLATION – Operation was partially cancelled.
INCREMENTAL – Incremental amount was added to the transaction.
REFERRAL – Operation was referred.
REPLACEMENT – Operation was replaced.

Docs

Descriptions related to transaction banking were removed from the following events to maintain data consistency. The removed text will be migrated to the relevant guide.

metadata field in Platform authorization created
details field in Transaction created

Reports

Updated

The table in Reports for Brazil was updated in the following ways.

Two new reports, CADOC-3050 and CCS - JD CABINE CCS, were added.
The names of some of the existing reports were simplified.
Each report description was updated to explain which databases were used to prepare the report.

Banking as a Service

Docs

The Banking as a Service guide was updated according to documentation standards and the steps were rearranged to reflect that setting up organization, programs, accounts, and customers should be the first step. In addition, the guide was revised to state that Celcoin is Pismo’s BaaS partner.

Banking operations

New

The following endpoints are now available to handle maturity instruction overrides. A maturity instruction override is when a client changes or updates the original instructions for what should happen to a financial product when it reaches its maturity date. This process is most common with fixed-term investments like certificates of deposit (CDs), fixed deposits, and bonds.

Updated

The Configure timing for accrual calculation endpoint was updated in the following ways.

The endpoint name was changed from “Configure timing for division accrual calculation” to “Configure timing for accrual calculation”.
division_id is no longer required.
The endpoint description was updated.

Updated

A new banking scheme CLABE is now available in the Bank accounts API. A Clave Bancaria Estandarizada (CLABE) is an 18-digit standardized banking code used in Mexico for domestic electronic fund transfers. This update adds the following endpoint: Register CLABE account.

Updated

In the Change due date endpoint, the description of the id body parameter was updated.

Updated

A new field, deposit_configs, was added to the following endpoints. It includes two child fields— maturity_date_days and calendar_maturity_date—that allow you to specify either the maturity period in days or the exact calendar maturity date.

Similarly, a savings_account_configs field is added to the following endpoint to serve the same purposes as deposit_configs:

Docs

In the Update deposit product endpoint documentation, changed the description in AuthorizationToken to say “Generic token“ instead of “Account token.“

Transaction banking

Updated

New error codes and messages are now available to prevent posting back value-dated and future value-dated transactions across the entire division. This feature enables you to block such postings as needed.

In the Post payment endpoint:

WPMT0054: Cannot post back value-dated transaction for this division

In the Post multi-leg payment endpoint:

WMLP0005: Validation error: one or more legs did not pass validation

Card network integration

Updated

The following updates were made to the Validation codes for authorization events guide and the Rule list guide.

The Visa response code was changed to 5C for the following custom codes: ANF, BII, BNM, CMD, CV3, DCC, DIC, DIY, IAT, ISE, NCV, OON, PIC, RAD, Z22, Z23, Z24, Z26, Z27, Z29, Z30.
The following custom codes had Merchant denial code changed from 03 to 02: 998, ANF, AUD, CED, CTE, DCC, FR6, FR7, FRO, IAT, NCV, OON, VEV, VNM.
The Visa response code for RED (Rules do not honor) was changed from 57 to 78.
The Merchant denial code for RED (Operation not permitted - credit voucher) was changed from blank to 02.
Two new custom codes were added: TNP (Token not provisioned), MDC (Multi-currency not allowed for DCC authorization, and OP1 (PIN translation failed).

Docs

Updates were made to the denial codes for the following custom codes: CVV1 or CVC1 validation (FR1), CVV2 or CVC2 validation (FR2), and transaction made with magnetic stripe in a country where it’s not allowed to be used (FR5). The changes are reflected in the Validation codes for authorization events guide.

Docs

Card issuing reference documentation was updated to adhere to documentation standards.

Docs

Full and Zero balance transaction workflows documentation was updated to adhere to documentation standards.

Docs

The Validation code definitions guide now includes instructions for verifying the actual reason for declined authorizations. The method for determining the reason is based on the authorization model you are working with and instructions for Full balance and Zero balance are provided.

Docs

The Authorization events guide was updated to include the authorization discard time of 35 days for international authorizations.

Instant payments

New

A new endpoint List infraction reports is now available.

Updated

A new signature_info field was added to the Pix-out transfer endpoint. This field is used to encrypt the request according to Product Security and Telecommunications Infrastructure (PSTI) standards. It guarantees the request's integrity and authenticity and the transaction messaging non-repudiation (assurance that a party involved in a transaction cannot later deny their involvement) from customer to PSTI. Pismo acts as a pass-through entity in this process.

Docs

The “Instant payments - Faster payments” API was renamed to “Instant payments - UK FPS”. Its one endpoint, “Send Faster Payment”, was renamed to FPS out-transfer. The FPS functionality continues to remain in beta release.

Statements

New

The following new endpoints are now available under Revolving credit - Configurations:

Updated

In the List account interest rates endpoint, the list of enum values was corrected for the accrualType query parameter. Only three different accrual types can be defined at the account level.

Updated

The descriptions of the accrual type rates listed in the Configure accrual rates guide were updated to clarify when they are applied.

Docs

In the List transaction categories endpoint, the description of the transactionCategoryDescription query parameter was updated.

Docs

In the Create recurring charge plan endpoint, the descriptions of the processing_code and number_of_cycles body parameters were updated.

Docs

A new multivalue program parameter, DISCHARGE_PRIORITIZED_TTS_MIGRATION, was added to the table in Multivalue program parameters.

Docs

In the Limiting the number of days accruals can be charged guide, a note was added explaining that reaching the STOP_ACCRUAL limit does not automatically advance future installments.

Docs

A note was added to the end of How a Full balance credit program manages credit accounts.

Docs

How the program handles overdue transactions was updated to clarify some points.

Docs

In the Update interest accrual statuses endpoint, a link was added in the description of the new_status field of the accruals body parameter to Limiting the number of days accruals can be charged.

Docs

The List account accruals v3 endpoint description was modified and a link was added in the description of the STOP_ACCRUAL enum of the status query parameter to Limiting the number of days accruals can be charged.

Docs

All diagrams in the Accrual status changed event flows guide were updated.

Docs

The text and the diagram in the Over-limit fees - Example section were updated to correct some errors.

Lending

New

The new Disburse loan V2 endpoint is now available in beta release.

Docs

The lending loan repayment response for the List account loans endpoint was updated to include loan rates that have annual interest rate and effective annual and monthly costs.

Docs

A typographical error was corrected on the Get loan details endpoint documentation.

Control Center

Docs

All references to legacy sign on procedures were removed as all users have been migrated to use the new sign on procedures.