{"activeVersionTag":"latest","latestAvailableVersionTag":"latest","collection":{"info":{"_postman_id":"49b57ee7-7e16-12d2-98d5-9a49d4a5e118","name":"Moneytech Payments Platform","description":"# Overview\r\n\r\nMoneytech Payments thanks you for your interest in our Platform. This document describes our latest offering. It is the result of combining several bespoke and public API offerings with which we have provided clients in the past with the goal of providing a rich set of services to satisfy the majority of customers.\r\n\r\n\r\nWhile we remain open to providing bespoke solutions to clients when the need arises, we feel that the APIs presented in this document will provide the flexibility to solve almost any financial payment requirement your business may have.\r\n\r\n\r\nWe want your experience of using these APIs to be seamless, easy and ‘just work’. For this to happen you need to understand the key concepts discussed in the **Overview** section of this document. We highly recommend that your developers arrange a meeting with our Platform team. This does a few things to expedite your development:\r\n\r\n\r\n  * You get to ask and have any concepts explained by some of the people who have written the APIs you will be using\r\n  * You get to know who we are and who to send any questions too\r\n  * Explain to our team what business problem you are solving, we can then guide you to which APIs you need to use and those you can ignore. It also gives us context for future correspondence\r\n\r\nThe Platform is a payment gateway developed by Moneytech Payments which provides a high performance and flexible payment solution to enable 3rd parties to develop custom business solutions with ease. Funds may be debited from:\r\n\r\n  * Credit-Card (Visa, Mastercard, Diners, Amex)\r\n  * Australian Bank Account\r\n  * mAccount\r\n  * mWallet\r\n\r\n\r\nFunds can be credited to one or a multiple of the following destinations in a single API call:\r\n\r\n  * BPAY\r\n  * Australian Bank Account\r\n  * mAccount\r\n  * mWallet\r\n\r\n\r\nTokenization is fully supported for both the debit and credit transactions:\r\n\r\n  * BPAY\r\n  * Australian Bank Account\r\n  * Credit-Card\r\n\r\n## What is an mWallet and mAccount?\r\n\r\nAt the core of the Platform is an extremely rich set of services that were developed for mPOS (another Moneytech Payments product). The mPOS product was designed and developed for the Point of Sale market supporting (although not limited to):\r\n\r\n  * Over the counter bill payments (BPAY)\r\n  * Loyalty\r\n  * Point of Sale purchases\r\n  * Statements\r\n  * Daily Settlement\r\n  * Consumer stored value\r\n  * Auto Top-Up\r\n  * Transactions via SMS\r\n  * Much more…\r\n\r\nBecause of this heritage, the Platform has two key concepts:\r\n\r\n  * mWallet\r\n  * mAccount\r\n\r\n### mWallet\r\n\r\nThink of an mWallet as the wallet in your back pocket. This is where you keep funds to purchase goods and services. Funds are deposited into this wallet by withdrawing cash from an ATM, your bank branch or other means. The cash stays in your wallet until you wish to purchase goods.\r\n\r\nOn the Platform, funds stored in an mWallet are kept in a Trust account on behalf of the owner. In general, there are no fees charged on mWallet accounts including deposits (credit) and withdraws (debit). For security, any debits from an mWallet require a four-digit PIN. Deposits into mWallets are cleared funds immediately. The funds stay in the mWallet until required.\r\n\r\nAn mWallet financials API (mWallet/v1/financials) is available at any time as well as financial statements (if an email address is available). \r\n\r\nMoneytech Payments has an exemption from ASIC (Australian Securities and Investments Commission) to implement the mWallet, as a consequence, there are some restrictions in-place according to ASIC’s rules.\r\n\r\nMoneytech Payments is an authorised BPAY PIM. A requirement of BPAY is that BPAY payments must be through an mWallet with sufficient details to enable Moneytech Payments to contact the owner of the mWallet if there is a problem with the payment. \r\n\r\nIf a payment is being made that does NOT include BPAY, then an mWallet is optional. If an mWallet is supplied, then the Platform will route the funds through the supplied mWallet providing full disclosure on the mWallet Financial Statement. \r\n\r\n  * An mWallet is represented by a 16-Digit account number.\r\n  * You may create as many mWallets as you require\r\n  * The balance of an mWallet can never fall below $0.00\r\n  * An mWallet may be Debited or Credited by anyone as a PIN is required for both operations.\r\n\r\n### mAccount\r\n\r\nThink of an mAccount as the till in a shop. When a consumer purchases goods in this shop, cash is handed over and stored in the till. At the end of the day, these funds are removed from the till and deposited into the shops physical bank account for safe keeping.\r\n\r\nEach mAccount is backed by an ABN and a physical Australian Bank Account. See the section titled **Settlement**.\r\n\r\nYou may create mAccounts through the mAccount/v1 APIs in this document. If you debit an mAccount, you MUST also hold a signed direct-debit authority.\r\n\r\nWhen a Sign-In Account creates an mAccount (using the mAccount/v1 APIs) the Sign-In Account is set as the new mAccounts parent. Only a parent of an mAccount can Debit, Update, Retrieve Financials, Request Statements, Close the account etc.\r\n\r\n  * A nmAccount is represented by a 16-Digit account number.\r\n  * An mAccount can be credited by anyone.\r\n\r\nYou can create as many mAccounts as you require, although monthly and/or set-up fees may be configured based on your agreements with Moneytech Payments\r\n\r\n  * There are some financial limits when you create an mAccount through the mAccount/v1 APIs. If you require higher limits, contact your Moneytech Payments account representative. \r\n  * An mAccount financials API (mAccount/v1/financials) is available at any time as well as emailing a financial statement (if an email address is available). \r\n  * A balance below $0.00 indicates the Platform will DEBIT the mAccounts physical Australian Bank Account (ABA)\r\n  * A balance above $0.00 indicates the Platform will CREDIT the mAccounts physical Australian Bank Account (ABA)\r\n\r\n\r\n**mAccount Issuers**\r\n\r\nAn issuer is a high-level mAccount with the following rights\r\n\r\n  * Product co-branding\r\n  * Develop, market and and sell a product to others who will be given their own mAccount and access to this API\r\n  * Additional reporting\r\n  * Additional support\r\n  * Ability to impersonate an mAccount that you own – create custom reports, statemens etc\r\n\r\n\r\n**mAccount Sign-In Account**\r\n\r\nThe Sign-In Account is simply the mAccount used to sign-in to the payment gateway.\r\n\r\n**mAccount Fee Account**\r\n\r\nAny Sign-In Account may have an optional Fee Account linked to it. The Platform will use the Fee Account when debiting or crediting fees from the Sign-In Account.  The Fee Account can have the same ABA details as the Sign-In Account or may be different. A separate statement will be sent providing clear concise information regarding fees.\r\n\r\n\r\nFee Accounts have the following attributes:\r\n\r\n  * Debit T+0\r\n  * Credit T+0\r\n  * Daily Settlement statement\r\n  * Daily/Monthly Statements\r\n  * To request a Fee Account contact your Moneytech Payments account representative.\r\n\r\n\r\n## Direct Debit and Direct Credit\r\n\r\nThe financial/v2/transaction/execute API provides the ability to either debit or credit any Australian Bank Account directly by providing the following details:\r\n\r\n  * Bank-State-Branch (BSB) Number\r\n  * Bank Account Number\r\n  * Bank Account Title\r\n\r\n\r\nBy using Direct Debit, you MUST hold a signed direct debit authority. (Or show that you have the authority to debit the account)\r\n\r\n## Settlement\r\nIn Platform terms, the act of a settlement is to calculate the balance of each mAccount at 4PM (Sydney Time) each business day (this balance is called the ‘Settlement Balance’). The ‘Settlement Balance’ is used to create a reversing transaction (called a ‘Settlement Transaction’) to bring the mAccount balance to $0.00. These ‘Settlement Transactions’ are then submitted to either Debit or Credit the physical Australian Bank Account (ABA) attached to the mAccount.\r\n\r\n  * A ‘Settlement Balance’ below $0.00 (-ve) will Debit the mAccounts physical Australian Bank Account (ABA)\r\n  * A ‘Settlement Balance’ above $0.00 (+ve) will Credit the mAccounts physical Australian Bank Account (ABA)\r\n\r\n### Settlement Frequency\r\nBy default, mAcounts are settled every business day at 4PM. Many other options are available by contacting your Moneytech Payments representative. Some of the options are:\r\n\r\n  * Daily at 4PM (Sydney Time)\r\n  * Daily at 10AM (Sydney Time)\r\n  * On-Demand\r\n  * Beginning of Month\r\n  * Mid-Month \r\n  * End of Month\r\n  * Never Settle\r\n\r\n### Deferred Settlement - T+n\r\nT+n is a term that indicates how many business days after the Transaction you want the funds Debited from or Credited to the mAccounts linked Australian Bank Account (ABA). When an mAccount is created/updated using the mAccount/v1 APIs, you can set the T+n values independently for both the Debit and Credit settlements. The default is to settle Debit and Credits as T+0 – same day if the transaction occurred before 4pm Sydney time.\r\n\r\nHow T+n works: The mAccount ‘Settlement Transaction’ is created as usual at 4pm each business day. The ‘Settlement Transaction’ date is set to the calculated date in the future (+n business days) and will appear on the statement with this future date (so you know when to expect it). The actual instructions to Debit or\r\nCredit the funds are delayed until the calculated date.\r\n\r\n### Settlement Notifications\r\nmAccounts receive a settlement email at the end of the settlement run, explaining the amount to be Debited/Credited to their mAccounts physical Australian Bank Account, the date the settlement will occur (remember T+n) and a financial statement (as a PDF) which lists each transaction that was settled, as well as an Excel Spreadsheet with all the transactions listed in the PDF statement for further analysis.\r\n\r\n### Sample Settlement Email\r\n<img src = \"https://moneytechstorage.blob.core.windows.net/images\\Settlement\\SettlementSampleEmail.png\">\r\n\r\n<b>Note</b>\r\n\r\n\r\nThe above ‘Credit Date’ would have the actual date the settlement would occur if T+n are > 0.\r\n\r\n### Sample PDF Settlement Statement\r\nThe Statement From Date and the To date in the statement below (inside the green box) are from 4pm the previous settlement date (5th May 2017 – A Friday) to 4pm the current settlement date (8th May 2017 – A Monday). This is why it’s called a Settlement Statement. It’s only showing transactions that were settled on the 8th May 2017 (a Monday) which included any transactions over the weekend.\r\n\r\nWhen looking at any of the Platform statements, think of the Platform as a bank. In the example below, the Settlement transaction (row 2) shows there is a Debit of $85.00 for the settlement. This is a Debit FROM your Platform account and will therefore be a Credit INTO your physical bank account.\r\n\r\n\r\n<img src = \"https://moneytechstorage.blob.core.windows.net/images\\Settlement\\SettlementSamplePDFStatement.png\">\r\n\r\n### Sample Excel Settlement Spreadsheet\r\nThe Settlement Notification email includes an Excel spreadsheet with the same details as the PDF Settlement Statement. This provides you with the same data that you can use for analysis.\r\n\r\n\r\n<img src = \"https://moneytechstorage.blob.core.windows.net/images\\Settlement\\SettlementSampleSpreadsheet.png\">\r\n\r\n## Financial Statements\r\nThe Platform will automatically send financials statements to both mAccounts and mWallets if an email address is provided. These include Month to Date, Last Month, Last Financial Year and others.\r\n\r\nStatements are emailed as a PDF attachment along with an Excel spreadsheet containing the same details as the PDF statement.\r\n\r\nUsing the mAccount/v1/sendStatement and mWallet/v1/sendStatement APIs you may request a statement to be sent at any time.\r\n\r\nA Credit Settlement transaction will appear as a Debit on your physical Bank Statement and a Debit Settlement transaction will appear as a Credit on your physical Bank Statement. Both mAccounts and mWallets represent a financial account held on the Platform. The Statements are in respect to the Platform NOT your physical bank account.\r\n\r\n### Example – mAccount Month To Date Financial Statement\r\n\r\n<img src = \"https://moneytechstorage.blob.core.windows.net/images\\FinancialStatement.png\">\r\n\r\n## Tokens\r\n\r\nA token is used to obfuscate either the source or destination of the funds (Credit-Cards, BPAY & Australian Bank Account (ABA)). The details associated with tokens are stored encrypted on the Platform attached to an existing mAccount or mWallet.\r\n\r\nTokens are created using the token/v1 APIs by passing the BPAY, ABA or Credit-Card details. A token is returned which is used in subsequent calls to identify the source (Debit) or destination (Credit) details. By using tokens, you never store any of these details on your own servers.\r\n\r\n### Relationship Between Sign-In Account, mAccount, mWallet & Tokens\r\n\r\nThe Sign-In Account is nothing more than the mAccount used to access the APIs discussed in this document. \r\n\r\nWhen creating a token, you are required to attach this to an existing mAccount or mWallet. For example, if an mWallet holder wants to create a Credit-Card token, that token would be associated with the mWallet, NOT the sign-in or any other mAccount.\r\n\r\nWhat you end up with is a hierarchy of the Sign-In Account, mWallets/mAccounts and tokens:\r\n\r\n<img src = \"https://moneytechstorage.blob.core.windows.net/images\\token_hierarchy.png\">\r\n\r\n## A Practical Example\r\n\r\n### Scenario\r\n\r\nSay you have a website that sells flowers. The following business rules have been defined by you.\r\n\r\n - For customers who are regular buyers you create an mWallet and you provide a ‘Cash Incentive’ of 1% for each purchase.  \r\n - You need to pay a courier for delivery. The cost is included in the total amount.\r\n - You donate $0.50 from each purchase to a local Charity.\r\n\r\n### Solution\r\n\r\nAs this customer is well known (we are assuming he/she is), you have previously created an mWallet when they registered on your site. The customer may have registered a Credit-Card with you previously and therefore you can query the token/v1 APIs for a displayable list of Credit-Cards or bank accounts that the customer may choose from to make the payment.  \r\n\r\nFor this example, the total cost of the flowers is $100.00 including freight of $7.00 which is to be paid via BPAY. The cash loyalty on this purchase is $1.00 (keeping it simple) to be deposited into the customers mWallet and $0.50 to your local Charity.\r\n\r\nThe customer decides to pay by a previously registered Credit-Card we therefore want to deposit $2.00 into the Sign-In Fee Account to cover the processing fee Moneytech Payments will debit (see the API tools/v1/creditCardValidate to calculate the Credit Card fees and surcharge. You can also use the financial/v1/transaction/validate API to retrieve a breakdown of all fees although no surcharge will be returned). \r\nThe remainder of the funds are deposited into an mAccount that you created called Revenue.\r\n\r\nIn brief, we can do all the above (and much more) with a single RESTful API call to the Platform. All you need to do is to create a JSON object that matches the specification for the financial/v1/transaction/ APIs.\r\n\r\n**Debit**\r\n\r\n- Credit-Card via token: $1.00\r\n\r\n**Disbursements - Credits**\r\n\r\n- Customer's mWallet: $1.00 (Loyalty payment)\r\n- Courier's BPAY details: $7.00 (Courier Payment via BPAY)\r\n- Sign-In Fee mAccount: $2.00 (Cover the Processing Fee)\r\n- Charity: $0.50 (Local Charity Donation)\r\n- Revenue mAccount: $89.50 (The remaining funds payment)\r\n\r\n**Processing Fee**\r\n\r\n- Processing Fee: $1.50\r\n\r\nIn the following diagram, a single RESTful API call is made to the Platform which contains the following instructions:\r\n\r\n- where the source of the funds are (whom do we Debit)\r\n- a list of disbursements or payments (whom do we Credit and how)\r\n\r\nThe Platform moves the funds to the correct accounts (mWallet, mAccounts, ABA or BPAY). At the next settlement the balance in each mAccount is required to be settled to $0.00. Therefore, funds are debited from the mAccount and credited to a physical ABA account (as in this diagram). In the case of BPAY, the funds are moved to BPAY which will then deposit it into the couriers account.\r\n\r\n<img src = \"https://moneytechstorage.blob.core.windows.net/images\\example_flow.png\">\r\n\r\nAs the customer has an mWallet, he/she will see the funds flowing through the mWallet on their statement. This is visible on the above diagram with the ‘Action Performed by the Platform’ arrows in red.\r\n\r\n\r\n<img src = \"https://moneytechstorage.blob.core.windows.net/images\\example_statement.png\">\r\n\r\n***Note***\r\n\r\nThe mWallet Closing Balance is $1.00 which is exactly what we expected given the $1.00 loyalty incentive.\r\n\r\n**Conclusion**\r\n\r\nA single API call is all that was required to Debit a Credit-Card and make five disbursements.\r\n\r\n\r\n# Sign-In Account Liability\r\n\r\nWhen you call the API financial/v1/transaction/execute the Sign-In Account accepts liability for the transaction.\r\n\r\n## Debiting via Direct Debit or mAccount\r\nDebiting from a Direct Debit or mAccount, the Platform makes the assumption that the associated bank account will honour the request. If the bank dishonours the debit request for any reason (insufficient funds, incorrect account details etc) Moneytech Payments will debit the amount from the Sign-In Accounts bank plus a dishonour fee. If the Sign-In Account dishonours the next day, then the Sign-In Account will be placed OnHold and action taken to recover the funds. \r\n\r\nIf the same Direct Debit or mAccount is dishonouring on a regular basis then the mAccount will be placed OnHold or Closed. The Australian Bank Account could also be blocked from further transactions.\r\n\r\nIf you don’t want to use Direct Debit, inform your Moneytech Payments representative and that option can be disabled.\r\n\r\n## Debiting via Credit-Card\r\nWhen debiting from a Credit-Card the Platform asks the Credit-Card provider if the debit will be honoured. If the response is “no\", then no further action is taken and the transaction fails – This step only happens during a call to the API financial/v1/transaction/execute. Executing the API financial/v1/transaction/validate will not guarantee the Credit-Card transaction will be successful.\r\n\r\nIf the response is \"yes\", the Platform assumes the funds will be credited then completes the rest of the transaction. If the card is reported stolen or the bank demands the funds returned, the Platform will debit the amount from the Sign-In Accounts bank plus any dishonour or processing fees. These are called ‘Chargebacks’ and can be up to 12 months after the transaction\r\n\r\n## Debiting via an mWallet\r\nWhen debiting from an mWallet there is no issue as Moneytech Payments is holding the mWallet funds in trust.\r\n\r\n## Why are the Sign-In Accounts liable and what other options are there?\r\nFor a transaction, the Platform receives a request to debit funds and make payments (i.e. as BPAY). The Platform will make the payment the same day, although the funds may not arrive for several days. We could hold the payment of funds until the funds arrive, but by then the BPAY may have expired or the payment becomes a ‘Late Payment’ (You could do this yourself, paying into an mWallet. If you don’t receive a dishonour notification after a few days then make the payments from the mWallet. This will not resolve possible BPAY issues).\r\n\r\nIf you need to debit a supplier on a regular basis and you are concerned about the risk, talk to your Moneytech Payments representative. We can sign up the mAccount directly with a 100 point ID, legal contracts and even have them place a security deposit if we deem it required. You are still liable for any failed transactions and there is a monthly fee for each mAccount that we manage. We may provide a higher credit limit on the mAccount if it’s managed by Moneytech Payments.\r\n\r\n## Legal Requirements\r\nAs in the previous section, you must hold a Direct Debit Request for any Direct Debit or mAccount you debit from. There could be other reporting requirements under the ‘Australian Anti-money laundering and counter terrorism financing’ Act. Your Moneytech Payments representative will be able to help you with these enquiries.  \r\n\r\nSee https://www.ag.gov.au/CrimeAndCorruption/AntiLaunderingCounterTerrorismFinancing/Pages/default.aspx\r\n\r\nIf there are any enquiries from government agencies you will be required to provide any and all documentation regarding the transactions in question. We recommend you keep these financial records for a period no less than seven (7) years or as prescribed by Australian law.\r\n\r\n# Authentication\r\n\r\n\r\n**Live Authentication Credentials**\r\n\r\n\r\nField | Value\r\n----- | -----\r\nUsername | Your Platform 16-Digit account number OR API Key (obtained from the developer portal)\r\nPassword | TBA\r\nBase URL | https://api.mpay.com.au/\r\n\r\nThe RESTful APIs in this document all use BASIC Authentication (except those APIs in public/v1) in four scenarios; either:\r\n\r\n - UserName/Password\r\n - API KEY\r\n - OneShotSecurityToken\r\n\r\n\r\nWhen using the LIVE Platform, your Sign-In Account is given five (5) attempts to authenticate your credentials. On the fifth failure your Sign-In Account is locked for one (1) hour. The returned data will indicate that your account is locked and the time in UTC that the account will be unlocked. \r\n\r\n\r\nWhen using the Staging system, you are given fifty (50) attempts with a lockout time of two (2) minutes.\r\n\r\n\r\nIf you require the account to be unlocked on the LIVE system you may contact your Moneytech Payments representative and at his or her discretion they will unlock the account. A fee may be applied for this service.\r\nSee the API routes in Security to manage Passwords and Tokens.\r\n\r\n## UserName/Password\r\n\r\nUsing this scenario you configure BASIC Authentication with the following:\r\n\r\n * UserName  - your mAccounts 16-Digit account number (This is called the Sign-In Account) OR API Key (obtained from the developer portal)\r\n * Password  - password that will be supplied by Moneytech Payments when you have demonstrated successful implementation of the API on our Staging environment. When using your API Key, no password is required. If the key is compromised, it can be re-rolled via the developer portal.\r\n\r\n\r\nPasswords are stored in a cryptographic format that is not reversible. If you forget your password, it cannot be recovered. You will need to contact Moneytech Payments and have a new password generated.\r\n\r\n## SecurityToken\r\nUsing this scenario, you make an API call to security/v1/createSecurityToken using UserName/Password. A SecurityToken is returned that may be used multiple times until it expires. See the security/v1 section for further details.\r\n\r\n\r\nThe SecurityToken returned is used in place of your UserName when configuring BASIC Authentication for future API calls (No password is required).\r\n\r\n\r\nExpiry time is between 1 and 15 minutes.\r\n\r\n## OneShotSecurityToken\r\nUsing this scenario, you make an API call to security/v1/createOneShotSecurityToken using UserName/Password. A OneShotSecurityToken is returned that can be used only once or until it expires.\r\n\r\n\r\nAn OneShotSecurityToken is exactly the same as the SecurityToken scenario except the token will be deleted on first use.\r\n\r\n\r\nExpiry time is between 1 and 15 minutes.\r\n\r\n\r\n# Testing\r\n\r\n## Staging Authentication Credentials\r\n\r\nField | Value\r\n--- | ----\r\nBase URL | https://api.m-pay.com.au/\r\n\r\nTo access our sandbox environment please sign up at our [developer portal](https://developer.moneytech.com.au)\r\n\r\n## Staging Test Credit-Cards\r\n\r\nCard Type | Card Number | Expiry Date\r\n---- | --- | -----\r\nMasterCard| 5123456789012346 | 05/21\r\nVisa| 4987654321098769 | 05/21\r\nAmex| 345678901234564| 05/21\r\nDiners Club| 30123456789019 | 05/21\r\n\r\n\r\nTo allow testing Credit-Card failures, you can set the status code you wish to have returned by changing the Credit-Cards CVN (Amex has a 4 digit CVN)\r\n\r\nDescription | CVN | CVN (American Express) \r\n------- | ----- | ---\r\nTransaction approved  | 000 | 0000\r\nTransaction could not be processed  | 010 | 0010\r\nTransaction declined  | 005 | 0005\r\nNo reply from processing host | 068 | 0068\r\nCard has expired  | 033 | 0033\r\nInsufficient credit | 051 | 0051\r\n\r\n\r\n# Direct Debit Authorisation Forms\r\n\r\nWhen performing a Direct Debit transaction on an Australian Bank account, you are required to have direct debit authorisation. 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