Full balance integration offers a comprehensive range of services for network card transactions where the Pismo platform performs all the necessary card and account validations to authorize or reject a transaction. With full balance integration, you can connect to the Pismo authorization service and let the Pismo platform handle the following:

• Stateless validations (PIN, CVV, entry mode, and so on).
• Stateful validations (account/card status, limits, ATC, and so on).
• Operational rules (customize operating rules and limits for each account).
• Available limit and balance impact.

Full balance integration workflow

The basic steps of full balance integration workflow are:

1. The user provides a merchant with the card information through any of multiple entry modes, such as contactless, chip, magstripe, or typing the card information in an online transaction gateway.
2. The merchant's point-of-sale (POS) device or payment gateway formats a message with an authorization request to the acquirer.

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Most POS devices are owned by the acquirer.

3. The acquirer sends a message to the card network.
4. The card network sends a message to the processor, the Pismo platform.
5. The Pismo platform performs a set of stateless and stateful validations on the message.

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Some validations can be customized by the issuer, including:

• Allow local currency to be used in international purchases.
• Allow transaction using card magnetic stripe.
• Check terminal capabilities (entry mode vs. terminal capability).
• Must verify cryptogram for contactless or chip transactions.
• Allow no-CVV and PIN validation for the card not present transactions.
• Disable Card Verification Method (CVM).
• Validate chip signature.
• PIN max error attempts.
• Application Transaction Counter (ATC) range validation.

6. The Pismo platform validates the transaction.
   • If the message is not valid, the Pismo platform proceeds to step 8 with the reply to the card network, declining the transaction.
   • If the message is valid, the Pismo platform checks the account/card status, the limit, and the balance impact to authorize or decline the transaction.
7. If anti-fraud integration is set up, the Pismo platform sends the message to an anti-fraud system for additional verification. For more details, see Anti-fraud integration.
8. The Pismo platform sends back the authorization response to the card network in the pertinent protocol.
9. The card network sends back the response to the acquirer.
10. The acquirer sends the message to the merchant.

Simulate an authorization

To simulate a network transaction authorization, see Simulate authorizations.

Related pages

Guide / Card network authorization overview
Guide / Simulate authorizations
Guide / Anti-fraud integration