A2C Service Guide for Merchants

Welcome to the Account-to-Card Service Guide! This guide will walk you through the simple steps of using our innovative A2C product that is based on OCT(Original Credit Transaction) technology and allows you to withdraw funds from your merchant balance and transfer them directly to your clients' cards.

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Service is available only for Uzbekistan merchants for Uzcard and Humo cards

A2C payments are available via API integration that can be implemented via back-to-back integration.

Using Account-to-Card

To successfully complete the A2C payment, the following steps should be executed on your side:

1. Tokenize Card- The first step is to save the card of the user who consequently needs to receive funds via A2C. After the user successfully enters card details and goes through the 3DS/OTP page, you will receive a card token that will be used for future A2C transactions
2. Withdraw funds- After you receive the card token, you should initiate a payment by indicating the amount, and currency, source Wallet and indicate the card token where you want to disburse funds

Requests

The following requests should be executed to complete the A2C withdrawal transaction. Keep in mind that you should indicate apikey:apisecret in Authorization header.

1. Tokenize Card request

curl --request PUT \
     --url https://payze.io/v2/api/payment \
     --header 'accept: application/json' \
     --header 'content-type: application/*+json' \
     --data '
{
  "source": "Card",
  "amount": "0",
  "currency": "UZS",
  "language": "EN",
  "cardPayment": {
    "tokenizeCard": true
  },
  "hooks": {
    "webhookGateway": "https://myserver.uz",
    "successRedirectGateway": "https://myserver.uz/success",
    "errorRedirectGateway": "https://myserver.uz/fail"
  },
  "idempotencyKey": "ExampleKEY123"
}
'

2. A2C request

curl --request PUT \
     --url https://payze.io/v2/api/payment \
     --header 'accept: application/json' \
     --header 'content-type: application/*+json' \
     --data '
{
  "source": "Wallet",
  "amount": 1000,
  "currency": "UZS",
  "language": "EN",
  "hooks": {
    "webhookGateway": "https://myserver.uz",
    "successRedirectGateway": "https://myserver.uz/success",
    "errorRedirectGateway": "https://myserver.uz/fail"
  },
  "idempotencyKey": "ExampleKEY123",
  "token": "Sampletoken1234567GG123"
}
'

Use Cases

A2C transactions can be used by any type of merchant who needs to disburse funds to physical persons or Self-employed individuals. Several business cases will benefit most from the product:

• Multi-sided marketplaces- Online marketplaces that have physical persons or Self-employed individuals involved in the transaction flow.

Example: Food Delivery company that uses A2C to automatically transfer money to courriers for delivery services

• Taxi companies

Example: Taxi company that uses A2C to automatically transfer money to drivers for the funds generated from rides

• Insurance companies- Insurance companies that desire to fund claims in an automated manner

Example: Insurance company that uses A2C to automatically transfer money to the insured client for claim funds disbursement

• Educational platforms- Online education platforms that have tutors/mentors/coaches/trainers as contractors responsible for teaching

Example: Online training center that uses A2C to automatically transfer tutor's compensation after the end of the training

• Rental fund disbursement- platforms where people can rent out their property

Example: Online website that allows flatowners to upload their appartaments for rent can transfer money to them with A2C technology

• Freelancers & Agent Payouts- platforms that use freelancers or 3rd party agents for providing any type services

Example: Platforms that use freelancerse or agents can use A2C to make payout for their services

🔐 Compliance and security recommendations

In order to ensure compliance with A2C operations and ensure smooth business continuity, you should keep in mind a few details and consider them while implementing the product in your business model:

• It is recommended for cardholders who will receive funds via A2C to have Self-employed (Самозанятый) status. If the person does not have the status, the merchant will be obliged to pay all taxes associated with the fund disbursement
• It is recommended to monitor the transactions and control the access rights to A2C transactions, as the fund's disbursement is directly linked to the company's balance
• Safeguard your API Keys and Secrets and follow the best practices to keep your credentials secure Check additional recommendations
• To ensure a continuous flow of transactions and not run out of available balance, it is recommended to monitor your Payze balance. It can be done by accessing the Payze dashboard or using the Statement API
• Implement the Idempotency Key feature and Retry policies, in order to ensure the uniqueness of the transaction, decrease the amount of wrongly disbursed transactions, and positively impact transaction success rate. Check all tips and API Best practices

💡 Benefits of Account-to-Card

1. Speed and Efficiency
   Real-time Transactions: Instant fund transfers for quick access
   24/7 Availability: Perform transactions anytime, enhancing flexibility
2. Enhanced Control and Security
   Transaction Tracking: Monitor all transactions through your dashboard
   Security Measures: Robust protocols ensure transaction safety
3. Improved Customer Experience
   Faster Payouts: Seamless and quick payouts to client cards
   Increased Trust: Speed and convenience build trust in your business

⚙️ Troubleshooting and Support

For any issues or questions, our support team is here to help. Contact us via the support portal or email for immediate assistance.

Thank you for choosing our online payment gateway. The Account-to-Card service is designed to elevate your business transactions and automate your funds disbursement flow contributing to your overall success. For further inquiries or feedback, please get in touch with our team.