Mastercard Inquiries API

The Inquiries API from Mastercard — 2 operation(s) for inquiries.

Documentation GitHub OpenAPI

Operations 2

POST /inquiries Mastercard Inquiry Request for an Update on an Account. #

POST /subscription-inquiries Mastercard Inquire on a Subscription to Determine if an Account Is Already Being Watched or Not. #

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OpenAPI Specification

openapi: 3.2.0
info:
  title: Mastercard Automatic Billing Updater Inquiries API
  version: 1.0.0
  description: Automatic Billing Updater (ABU) is a web service that provides access to updated account credentials (cards). This can be leveraged by Merchant/Acquirers/Payment Service Providers to ensure that they always have their customers' most up to date card credentials on file; the main benefit being a big reduction in declines for recurring and card-on-file payments. This service can be used in two different ways, either pulling updates or having updates pushed to an endpoint on the Merchant/Acquirers/Payment Service Provider's system for account numbers that they are watching.
  contact:
    url: https://developer.mastercard.com/support
    name: API Support
    email: apisupport@mastercard.com
servers:
- description: Production (open dropdown)
  url: https://api.mastercard.com/abu/accounts/
- description: Sandbox (open dropdown)
  url: https://sandbox.api.mastercard.com/abu/accounts/
tags:
- name: Inquiries
paths:
  /inquiries:
    post:
      summary: Mastercard Inquiry Request for an Update on an Account.
      tags:
      - Inquiries
      description: An inquiry request is used to receive the most up-to-date account information available from issuers at any time. The parameters provided in the request are used to identify the account inquired. Once a request is received by ABU, a response will be provided back with the account information.
      operationId: accountInquiry
      requestBody:
        $ref: '#/components/requestBodies/InquiryRequest'
      responses:
        '200':
          $ref: '#/components/responses/InquiryResponse'
        '400':
          $ref: '#/components/responses/BadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/UnauthorizedErrorResponse'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /subscription-inquiries:
    post:
      summary: Mastercard Inquire on a Subscription to Determine if an Account Is Already Being Watched or Not.
      tags:
      - Inquiries
      description: An inquiry request is used to check if an account is already being watched or not. Based on the response back, the ABU Integrator can choose to take action if necessary; to subscribe to watch an account or unsubscribe, to stop watching an account.
      operationId: subscriptionInquiry
      requestBody:
        $ref: '#/components/requestBodies/SubscriptionInquiryRequest'
      responses:
        '200':
          $ref: '#/components/responses/SubscriptionInquiryResponse'
        '400':
          $ref: '#/components/responses/BadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/UnauthorizedErrorResponse'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  examples:
    BadRequestExample:
      value:
        Errors:
          Error:
          - Source: Validation
            ReasonCode: ICA_VALUE_REQUIRED
            Description: ICA required for ABU client eligibility validation.
            Recoverable: false
            Details: ICA is mandatory.
    SubscriptionAccountInquirySubscribed:
      value:
        subscribed: true
    SubscriptionAccountInquiryNotSubscribed:
      value:
        subscribed: false
    AccountInquiryExpiry:
      value:
        responseIndicator: EXPIRY
        account:
          number: '5573491171027315'
          expiry: '1221'
    AccountInquiryNonParticipating:
      value:
        responseIndicator: NON_PARTICIPATING
    AccountInquiryValid:
      value:
        responseIndicator: VALID
    AccountInquiryUnknown:
      value:
        responseIndicator: UNKNOWN
    AccountInquiryAccountUpdate:
      value:
        responseIndicator: ACCOUNT_UPDATE
        account:
          number: '5573491171029999'
          expiry: '1221'
    UnauthorizedExample:
      value:
        Errors:
          Error:
          - Source: Security.Credential
            ReasonCode: AUTHENTICATION_FAILED
            Description: Unauthorized Access to Web Service.
            Recoverable: false
            Details: No ICA configured for clientID
    AccountInquiryContact:
      value:
        responseIndicator: CONTACT
  schemas:
    BaseAccount:
      description: Properties common to all accounts
      type: object
      required:
      - accountNumber
      - expiryDate
      properties:
        accountNumber:
          $ref: '#/components/schemas/AccountNumber'
        expiryDate:
          $ref: '#/components/schemas/Expiry'
    AccountUpdate:
      type: object
      properties:
        account:
          $ref: '#/components/schemas/Account'
        responseIndicator:
          $ref: '#/components/schemas/ResponseIndicator'
    MerchantId:
      type: string
      maxLength: 15
      minLength: 15
      example: '000000000002535'
      description: A merchant ID or payment facilitator ID, previously registered with Mastercard.
    AccountNumber:
      type: string
      maxLength: 19
      minLength: 13
      example: '5573491171027315'
      description: The account number being inquired upon.
    ErrorWrapper:
      type: object
      required:
      - Errors
      properties:
        Errors:
          $ref: '#/components/schemas/Errors'
    Error:
      type: object
      properties:
        Source:
          type: string
          example: Validation
          description: The application name that generated this error. Every error message that is generated and returned by the gateway will have this field equal to Gateway.
          maxLength: 100
          minLength: 1
        ReasonCode:
          type: string
          example: ICA_VALUE_REQUIRED
          description: A unique constant identifying the error case encountered during request processing.
          maxLength: 100
          minLength: 1
        Description:
          type: string
          example: ICA required for ABU client eligibility validation
          description: Short description of the ReasonCode field.
          maxLength: 1000
          minLength: 10
        Recoverable:
          type: boolean
          example: false
          description: Indicates whether this error will always be returned for this request, or retrying could change the outcome.
        Details:
          type: string
          description: (Optional) Where appropriate, indicates detailed information about data received and calculated during request processing, to help the customer with diagnosing errors.
          example: ICA is Mandatory
          maxLength: 5000
          minLength: 0
    Errors:
      type: object
      required:
      - Error
      properties:
        Error:
          $ref: '#/components/schemas/ErrorList'
    ErrorList:
      type: array
      minItems: 1
      items:
        $ref: '#/components/schemas/Error'
    Inquiry:
      allOf:
      - $ref: '#/components/schemas/CustomerAccount'
      - type: object
    Expiry:
      type: string
      maxLength: 4
      minLength: 4
      example: '1228'
      description: The expiration date associated to the account number being inquired upon. Must be in MMYY format.
    SubscriptionInquiry:
      allOf:
      - $ref: '#/components/schemas/CustomerAccount'
      - type: object
    Ica:
      type: string
      minLength: 4
      maxLength: 15
      example: '1111'
      description: A number assigned by Mastercard to a licensed customer to identify the member in transactions. This is used as an identifier for data submitted to ABU.
    Customer:
      description: Representation of a customer
      type: object
      allOf:
      - $ref: '#/components/schemas/BaseCustomer'
      - type: object
        properties:
          subMerchantId:
            $ref: '#/components/schemas/SubMerchantId'
    OutInquiry:
      allOf:
      - $ref: '#/components/schemas/AccountUpdate'
      - type: object
    ResponseIndicator:
      type: string
      pattern: ^(VALID|UNKNOWN|NON_PARTICIPATING|CONTACT|EXPIRY|ACCOUNT_UPDATE)
      example: VALID
      description: 'An indicator to help explain the status of the account being inquired on. Possible values are:

        * `VALID` = Matches the account as reported by the issuer.

        * `UNKNOWN` = Account number is not known to ABU or part of a participating BIN (Bank Identification Number) and/or issuer.

        * `NON_PARTICIPATING` = Account number is not known to ABU or part of a non-participating BIN (Bank Identification Number) and/or issuer.

        * `CONTACT` (C) = Contact the issuer.

        * `EXPIRY` (E) = The card inquired on is expired, updated expiry date returned.

        * `ACCOUNT_UPDATE` (A) = The card inquired on is updated, updated card number and expiry date returned.'
    Account:
      description: Representation of an account
      type: object
      allOf:
      - $ref: '#/components/schemas/BaseAccount'
      - type: object
    BaseCustomer:
      description: Properties common to all customer
      type: object
      required:
      - ica
      - merchantId
      properties:
        ica:
          $ref: '#/components/schemas/Ica'
        merchantId:
          $ref: '#/components/schemas/MerchantId'
    SubMerchantId:
      type: string
      maxLength: 15
      minLength: 15
      example: '000000000000001'
      description: An optional identifier for a sub-merchant of a payment facilitators under a registered merchant ID.
    OutSubscriptionInquiry:
      type: object
      properties:
        subscribed:
          type: boolean
          example: true
          description: 'Indicate to the ABU Integrator if they are subscribed to the inquired account. account number for a given merchant. *`subscribed: true`: Customer is subscribed. *`subscribed: false`: Customer is not subscribed.'
    CustomerAccount:
      type: object
      required:
      - requestId
      - customer
      - account
      properties:
        requestId:
          type: string
          maxLength: 64
          minLength: 1
          example: 323e304f-1cfc-4f0d-ac07-e6037ce09925
          description: An identifier established by the customer.
        customer:
          $ref: '#/components/schemas/Customer'
        account:
          $ref: '#/components/schemas/Account'
  responses:
    SubscriptionInquiryResponse:
      description: The status of a subscription inquiry.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/OutSubscriptionInquiry'
          examples:
            Subscribed:
              $ref: '#/components/examples/SubscriptionAccountInquirySubscribed'
            Not Subscribed:
              $ref: '#/components/examples/SubscriptionAccountInquiryNotSubscribed'
    InquiryResponse:
      description: Customer account inquiry response, account will only be populated if response indicator is of type  `EXPIRY` or `ACCOUNT_UPDATE`.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/OutInquiry'
          examples:
            Valid:
              $ref: '#/components/examples/AccountInquiryValid'
            Unknown:
              $ref: '#/components/examples/AccountInquiryUnknown'
            Non Participating:
              $ref: '#/components/examples/AccountInquiryNonParticipating'
            Contact:
              $ref: '#/components/examples/AccountInquiryContact'
            Expiry:
              $ref: '#/components/examples/AccountInquiryExpiry'
            Account Update:
              $ref: '#/components/examples/AccountInquiryAccountUpdate'
    BadRequestErrorResponse:
      description: Something was wrong with the request
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorWrapper'
          examples:
            BadRequestExample:
              $ref: '#/components/examples/BadRequestExample'
    UnauthorizedErrorResponse:
      description: Authentication information was missing or invalid
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorWrapper'
          examples:
            UnauthorizedExample:
              $ref: '#/components/examples/UnauthorizedExample'
  requestBodies:
    InquiryRequest:
      description: ABU Integrator sends request to inquire on the account for a specific account.
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Inquiry'
    SubscriptionInquiryRequest:
      description: ABU Integrator subscription request to inquire on a subscription for an account number.
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/SubscriptionInquiry'

Mastercard Inquiries API

Operations 2

Documentation

Specifications

Code Examples

Other Resources