Mastercard
Mastercard Benefits API

Handles Benefits
Documentation GitHub OpenAPI
OpenAPI Specification

swagger: '2.0'
info:
  title: Mastercard Bill Payment Validator Account Opening Benefits API
  description: This service is provided on behalf of the Mastercard Remote Payment and Presentment (RPPS) Bill Payment Processing Network, which supports consumer to business "push" bill payments (i.e. those which are not funded by debit/credit card transactions) in the U.S.
  version: '1.0'
  x-artifactId: billpay-api
  contact:
    name: Bill Pay Development Support
    email: Bill_Pay_Development_Support@mastercard.com
host: sandbox.api.mastercard.com
basePath: /billpayAPI/v1
schemes:
- https
consumes:
- application/json
produces:
- application/json
tags:
- name: Benefits
  description: Handles Benefits
paths:
  /benefits/searches:
    post:
      tags:
      - Benefits
      description: Send cardholder information and a date, get the benefits that the cardholder had for that date. If no date is provided the current one is used.
      summary: Search benefits
      operationId: searchBenefits
      requestBody:
        $ref: '#/components/requestBodies/BenefitsSearch'
      responses:
        '200':
          $ref: '#/components/responses/SearchBenefits'
        '400':
          $ref: '#/components/responses/BadRequestError'
        '401':
          $ref: '#/components/responses/UnauthorizedError'
components:
  schemas:
    Benefits:
      type: object
      properties:
        cardNumber:
          description: Full card number or BIN number
          type: string
          example: '5308780000000000'
          minLength: 6
          maxLength: 19
        effectiveDate:
          description: Date for which products are to be determined. Defaults to the current date if not provided. Date is in YYYY-MM-DD format.
          type: string
          example: '2022-12-15'
          pattern: ^\d{4}-\d{2}-\d{2}$
        serviceProviderCode:
          description: Number that represents the Service Provider of a Benefit
          type: string
          example: '01'
          minLength: 1
          maxLength: 6
        productCode:
          description: The product identifier for a benefit, it is mandatory if a BIN is used
          type: string
          example: MCC
          minLength: 3
          maxLength: 3
        benefitCode:
          type: string
          maxLength: 3
          minLength: 3
          example: WTY
          description: The unique alpha code assigned for the benefit
      required:
      - cardNumber
    Benefit:
      type: object
      description: "The representation of a benefit provided by Mastercard to the cardholders.  \nThe details of the benefit are represented by means of various properties defined by this object.  \nDepending on the type of benefit, only a subset of these properties will have the values.  \nPlease refer to the examples to know more about the details of the attributes that are available for different benefit types.\n"
      properties:
        benefitBundleId:
          type: string
          example: 2afd75df-a9f6-407f-bdfb-f24d2532a711
          description: The unique identifier of the Bundle which the benefit is part of
          minLength: 36
          maxLength: 36
        benefitBundleName:
          type: string
          example: US OPT Extended Warranty
          description: Name of the benefit Bundle which the benefit is part of
          minLength: 1
          maxLength: 200
        benefitServicingId:
          type: string
          example: 2afd75df-a9f6-407f-bdfb-f24d2532a711
          description: Servicing identifier of the benefit
          minLength: 0
          maxLength: 36
        benefitServicingOptions:
          type: string
          example: All Claims
          description: Servicing option which benefit is associated to.
          minLength: 0
          maxLength: 100
        benefitID:
          type: string
          example: '2495'
          description: The unique numeric code of the Benefit
          minLength: 1
          maxLength: 6
        benefitCode:
          type: string
          example: WTY
          description: The three character unique code assigned by Mastercard and used to identify the benefit
          minLength: 3
          maxLength: 3
        benefitName:
          type: string
          example: Extended Warranty
          description: Name of the benefit
          minLength: 1
          maxLength: 50
        macBenefitCategory:
          type: string
          example: Shopping
          description: The category code defined by Mastercard to categorize the benefit
          minLength: 1
          maxLength: 100
        serviceProviderCode:
          type: string
          example: 58
          description: The code assigned for the Service Provider
          minLength: 1
          maxLength: 6
        serviceProviderName:
          type: string
          example: US Extended Warranty - Information
          description: The name of the Service Provider
          minLength: 1
          maxLength: 100
        paymentType:
          type: string
          example: MasterCard Pays/ All Cards
          description: MasterCard Pays vs Issuer Pays
          minLength: 1
          maxLength: 255
        occurBeginTime:
          type: string
          example: 0
          description: "Numeric value of the Insurance policy occurrence begin time.  \nThis information along with the _occurTimeUnit_ identifies the time duration for the policy occurrence to begin.\n"
        occurEndTime:
          type: string
          example: 1
          description: "Numeric value of the Insurance policy occurrence end time.  \nThis information along with the _occurTimeUnit_ identifies the time duration for the policy occurrence to end.\n"
        occurTimeUnit:
          type: string
          example: Year
          minLength: 0
          maxLength: 5
          description: Unit of measurement for the Occurrence begin time and end time
        occurMinimumAmount:
          type: string
          example: 0
          description: Minimum amount of claim before policy comes into effect.
        occurMaximumAmount:
          type: string
          example: 19999.99
          description: Maximum amount policy will pay per claim.
        occurCurrency:
          type: string
          minLength: 0
          maxLength: 3
          example: USD
          pattern: ^[A-Z]{3}$
          description: The ISO 4217 alpha code of the currency of the policy occurrence minimum and maximum amount.
        minimumClaimValue:
          type: string
          example: 1999.99
          description: The minimum value for submitting the claim.
        minimumClaimCurrencyType:
          type: string
          example: USD
          description: The ISO 4217 alpha code of the currency of the minimum claim value.
          minLength: 0
          maxLength: 3
          pattern: ^[A-Z]{3}$
        occurMisc:
          type: string
          example: 0
          description: Covers miscellaneous coverage issues like return policy and electronic & sport equipment coverage.
        policyTimeLimit:
          type: string
          example: 12
          description: Length of entire policy. This information along with the _policyTimeUnit_ identifies the duration of the policy.
        policyTimeUnit:
          type: string
          example: Month
          description: The unit of measurement for the policy time limit.  For example, Days, Months, Years.
        policyMaximumOccurs:
          type: string
          example: 0
          description: The maximum number of claims within policy time frame.
        policyMaximumAmount:
          type: string
          example: 19999.99
          description: The maximum amount that the policy will pay when the claim is settled.
        policyCurrency:
          type: string
          example: USD
          minLength: 0
          maxLength: 3
          pattern: ^[A-Z]{3}$
          description: The ISO 4217 alpha code for the currency of the maximum policy amount.
        policyRegionRestriction:
          type: string
          example: All
          description: Geographical regions where the policy cover is allowed.
        coverageType:
          type: string
          example: Excess
          description: The type of coverage, for example,  Primary or Excess.
        appliesTo:
          type: string
          example: Family
          minLength: 1
          maxLength: 255
          description: Identifies the members whom the policy is applicable to. For example, Individual or Family.
        qualifyingRequirement:
          type: string
          example: Recurrent bill payment with eligible MC $50 deductible.
          description: Identifies any additional requirements for qualifying for the policy coverage.
        additionalCoverage:
          type: string
          example: $300 Baggage Delay
          description: Any additional coverage, apart from the monetary benefit, that the policy provides.
        quantity:
          type: string
          example: 5
          minLength: 0
          description: The count for the number of items
        quantityType:
          type: string
          description: The information to supplement the 'quantity' by providing the additional details like 'Bags' or 'Gigabytes' or 'Tickets' etc.
          example: Tickets
        duration:
          type: string
          description: Numeric value of the duration of the coverage.
          example: 20
        durationTimeIncrement:
          type: string
          description: The unit of duration time increment. For example, Day, Hour, Minute, Second etc.
          example: Hour
        deductibleValue:
          type: string
          description: Applicable deductible value
          example: 100
        deductibleCurrencyType:
          type: string
          pattern: ^[A-Z]{3}$
          description: The ISO 4217 alphabetic code for the currency of Applicable deductible value.
          example: USD
        numberOfMemberEntitlements:
          type: string
          description: Number of member Entitlements. Can be a numeric value or the text 'Unlimited'.
          example: Unlimited
        memberEntitlementsFundedBy:
          type: string
          description: Information about who funds the member entitlements available as part of the benefit.
          example: Mastercard
        numberOfGuestEntitlements:
          type: string
          description: Number of guest entitlements.  Can be a numeric value or the text 'Unlimited'.
          example: 2
        typeOfGuestEntitlements:
          type: string
          description: Type of guest entitlements.
          example: Each Time
        guestEntitlementsFundedBy:
          type: string
          description: Information about who funds the Guest Entitlements.
          example: Issuer
        numberOfSharedMemberAndGuestEntitlements:
          type: string
          description: Number of shared member and guest entitlements. Can be a numeric value or the text 'Unlimited'.
          example: 3
        sharedMemberAndGuestEntitlementsFundedBy:
          type: string
          description: Information about who funds the shared member and guest entitlements.
          example: Mastercard
        discountValue:
          type: string
          description: Number representing the Applicable discount value.
          example: 10
        currency:
          type: string
          description: The ISO 4217 alpha code for the currency of Discount value.
          example: USD
          pattern: ^[A-Z]{3}$
        discountType:
          type: string
          description: Type of discount.
          example: basic-car-price
        interchangeableEntitlement:
          type: string
          description: Interchangeable entitlement name.
          example: FastTrack
        serviceProviderDealId:
          type: string
          description: The unique identifier of the agreement between Mastercard and the Benefit Service Provider with regards to providing the required services for the Benefit offered.
          example: PPMCOWELBGHUAT
        airportExperienceCoverage:
          type: string
          description: Identifies access limitations on where the benefit can be used.
          example: Global, Domestic
        airportExperienceExclusions:
          type: string
          description: Airport experience exclusions.
          example: SAMPLEEXCEPTIONREGION
        airportExperienceAccessMethod:
          type: string
          description: The method or way using which the airport experience can be accessed by the card holder.
          example: Access with Digital Membership Card (DMC)
        percentageOff:
          type: string
          description: The numeric value of Discount rate percentage.
          example: 10
        vendorReference:
          type: string
          description: The textual value agreed to by Mastercard and the Service Provider to exchange a needed identifier.
          example: PPMCOWELBGUK23
        bundleType:
          type: string
          minLength: 1
          maxLength: 255
          example: Region Specific Set
          description: Category that benefit belong to
        benefitEffectiveDate:
          type: string
          example: '2022-12-15'
          pattern: ^\d{4}-\d{2}-\d{2}$
          description: Date from which the benefit becomes active to the associated product. Date is in YYYY-MM-DD format
        benefitExpirationDate:
          type: string
          example: '2022-12-15'
          pattern: ^\d{4}-\d{2}-\d{2}$
          description: Date from which the benefit becomes in active to the associated product. Date is in YYYY-MM-DD format
        customAttributes:
          description: Array of custom attributes
          type: array
          items:
            $ref: '#/components/schemas/CustomAttribute'
    Errors:
      description: Object that contains the list of errors
      type: object
      required:
      - Error
      properties:
        Error:
          $ref: '#/components/schemas/ErrorList'
    ErrorWrapper:
      description: A top level object for errors
      type: object
      required:
      - Errors
      properties:
        Errors:
          $ref: '#/components/schemas/Errors'
    SearchBenefits:
      type: object
      properties:
        data:
          description: Array of Products
          type: array
          items:
            $ref: '#/components/schemas/Benefit'
    ErrorList:
      description: The list of errors
      type: array
      minItems: 1
      items:
        $ref: '#/components/schemas/Error'
    CustomAttribute:
      type: object
      properties:
        name:
          type: string
          description: Name of the custom attribute.
          example: Discount
        value:
          type: string
          description: value of the custom attribute.
          example: 10%
    Error:
      description: A single error
      type: object
      properties:
        Source:
          type: string
          minLength: 0
          maxLength: 200
          description: Information about where the error happened
          example: ELIGIBILITY_BENEFITS_API
        ReasonCode:
          type: string
          minLength: 0
          maxLength: 200
          description: An error code
          example: BAD_REQUEST
        Description:
          type: string
          minLength: 0
          maxLength: 10000
          description: A description of the error
          example: We couldn't handle your request
        Recoverable:
          type: boolean
          description: Indicates if the request can be presented again for processing
          example: false
        Details:
          type: string
          minLength: 0
          maxLength: 10000
          description: More details about the error
          example: Invalid JSON payload
  responses:
    UnauthorizedError:
      description: Unauthorized - Access Not Granted
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorWrapper'
          examples:
            UnauthorizedExample:
              $ref: '#/components/examples/UnauthorizedExample'
    BadRequestError:
      description: Something was wrong with the request
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorWrapper'
          examples:
            BadRequestExample:
              $ref: '#/components/examples/BadRequestExample'
    SearchBenefits:
      description: Returns Benefits that match the requested details
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/SearchBenefits'
          examples:
            listOfMultipleBenefitTypes:
              $ref: '#/components/examples/MultipleBenefitTypes'
  examples:
    UnauthorizedExample:
      value:
        Errors:
          Error:
          - Source: Gateway
            ReasonCode: DECLINED
            Description: Unauthorized - Access Not Granted
            Recoverable: false
            Details: null
    BadRequestExample:
      value:
        Errors:
          Error:
          - Source: Benefits Eligibility Service
            ReasonCode: BENEFITINFO_VAL_001
            Description: Validation Error  BIN Number should be numeric.
            Recoverable: false
    MultipleBenefitTypes:
      summary: Multiple types of Benefits
      value:
        data:
        - benefitBundleId: 5bbf8967-Rce1-ACGC-56ty-18IYUT6ba572
          benefitBundleName: OPT-PRO 121-IH
          benefitServicingId: 5890b2e4-4cc7-490c-a85b-715f7e989dc1
          benefitServicingOptions: Existing Claims
          benefitID: '2495'
          benefitCode: WTY
          benefitName: Airport Lounge Access
          macBenefitCategory: Travel
          serviceProviderCode: '58'
          serviceProviderName: US Extended Warranty - Information
          paymentType: MasterCard Pays/ All Cards
          bundleType: Region Specific Set
          benefitEffectiveDate: '2022-12-15'
          benefitExpirationDate: '2030-12-15'
          appliesTo: Family
          customAttributes:
          - name: dealId
            value: PPMCOWELBGHUAT
          numberOfEntitlements: Unlimited
          entitlementsFundedBy: Mastercard
          numberOfGuestEntitlements: '2'
          typeOfGuestEntitlements: Each Time
          guestEntitlementsFundedBy: Issuer
          numberOfSharedAndGuestEntitlements: '3'
          sharedAndGuestEntitlementsFundedBy: Mastercard
          discountValue: '10'
          currency: USD
          discountType: basic-car-price
          interchangeableEntitlement: FastTrack
          serviceProviderDealId: LOUNGEISSUERBANK
          airportExperienceCoverage: Global, Domestic
          airportExperienceExceptions: Lounge, Flight Delay Pass
          airportExperienceAccessMethod: Access with Digital Membership Card (DMC)
        - benefitBundleId: 2d01bd0d-84e6-46e7-89dc-7bba8797ed8c
          benefitBundleName: OPT-TRC-211-IA
          benefitServicingId: d2908f2b-8b41-4377-b5b6-025c223c0d33
          benefitServicingOptions: New Claims
          benefitID: '3395'
          benefitCode: MCW
          benefitName: Accidental Death and Dismemberment
          macBenefitCategory: Travel
          serviceProviderCode: '58'
          serviceProviderName: US Extended Warranty - Information
          paymentType: MasterCard Pays/ All Cards
          bundleType: Region Specific Set
          benefitEffectiveDate: '2022-12-15'
          benefitExpirationDate: '2030-12-15'
          appliesTo: Individual
          customAttributes: []
          occurBeginTime: '0'
          occurEndTime: '1'
          occurTimeUnit: Year
          occurMinimumAmount: '0'
          occurMaximumAmount: '10000'
          occurCurrency: USD
          minimumClaimValue: '10'
          minimumClaimCurrencyType: USD
          occurMisc: '0'
          policyTimeLimit: '12'
          policyTimeUnit: Month
          policyMaximumOccurs: '0'
          policyMaximumAmount: '10000'
          policyCurrency: USD
          policyRegionRestriction: All
          coverageType: Excess
          qualifyingRequirement: Recurrent bill payment with eligible MC $50 deductible.
          additionalCoverage: If death of the insured is abroad, and family decides not to repatriate the body, then maximum limit for funeral expenses is USD 5,000 / 70 or older max 30 days
          quantity: '5'
          duration: '20'
          durationTimeIncrement: Hour
          deductibleValue: '10'
          deductibleCurrencyType: USD
        - benefitBundleId: 10cc44cf-0151-4597-922b-c42a6cdfb408
          benefitBundleName: OPT-WTY 66-IA
          benefitServicingId: c8087ce6-32d6-435f-b700-7df231975800
          benefitServicingOptions: All Claims
          benefitID: '3149'
          benefitCode: MEP
          benefitName: Amazon Prime Membership
          macBenefitCategory: Lifestyle
          serviceProviderCode: '58'
          serviceProviderName: US Extended Warranty - Information
          paymentType: MasterCard Pays/ All Cards
          bundleType: Region Specific Set
          benefitEffectiveDate: '2022-12-15'
          benefitExpirationDate: '2030-12-15'
          appliesTo: Family
          customAttributes: []
          percentageOff: '10'
          quantity: '5'
          quantityType: ''
          duration: '20'
          durationTimeIncrement: Hour
          vendorReference: DP
  requestBodies:
    BenefitsSearch:
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Benefits'
Mastercard Benefits API

Documentation

Specifications

Code Examples

Other Resources

OpenAPI Specification
