Occasionally, a card issuer could go off offline or be otherwise unavailable. A mechanism known as the Protection Bulletin is used in this situation.

The Protection Bulletin is consulted before a transaction takes place in cases where the issuer is temporarily offline and unable to provide an authorization. In a process known as stand-in, the card network authorizes the transaction to avoid creating problems for the cardholder and merchant. Once the issuer is back online, the card network lets them know what was authorized while they were down.

Pismo provides a Protection Bulletin API to register and manage cards with the Protection Bulletin.

Add a card to the Protection Bulletin

You can add a card to the Protection Bulletin in two ways:

• Directly with the Register card with Protection Bulletin endpoint.
• Set a card rule — when a card status changes to the rule's configured status, it is automatically added to the Protection Bulletin.
  
  When a card status is updated, it generates a Card updated event. The Pismo platform then adds the card to the Protection Bulletin if it meets a rule's status change condition.

For both the register and rule endpoints, parameter objects are provided for each network brand—ELO, Mastercard and Visa.