Lending | Credit Cards

Innovating credit card issuance

Create custom credit card programs to suit your customer needs. Our developer-friendly APIs let you grab credit opportunities all around you.

Try out View API Docs

product features

Create revenue streams

Increase your revenue by banking on both secured and non-secured credit opportunities.

Quick integration

Our platform is backed by a dedicated back-end team who are skilled in integrations and implementations.

Tap into untapped

Extend your reach to those customers who may not be eligible for traditional lending.

Optimize processes

Leverage our digital infrastructure to gain operational efficiency to strengthen your card program.

the Challenge

How to build a credit score?

Getting a credit card is not an option for individuals with no credit history. The same applies to individuals who have a history of bad credit. However, this stream of borrowers presented a goldmine of opportunities.

the solution

Get a secured credit card using FD and build your credit score

Lender offered a secured credit card against Fixed deposits opened by individuals with no or bad credit score. It opened up a flow of new opportunities and created new markets for secured borrowing.

the outcome

Transactions - and counting...

No. of transactions

2.2 Million

amount transacted

$22.5 Million

end point overview

Workings of YAP Credit

The journey of issuing a secured credit card

API Response

Run

                            
                                {
	"mti": "0200",
	"pan": "5088XXXXXXXX0005",
	"processingCode": "311000",
	"transactionAmount": "0000000000000",
	"settlementAmount": null,
	"cardHolderBillingAmount": null,
	"dateTimeTransaction": "0412183004",
	"settlementConversionRate": null,
	"cardholderBillingConversionRate": null,
	"stan": "247972",
	"rrn": "242772502272",
	"timeLocalTransaction": null,
	"dateLocalTransaction": "183008",
	"expiryDate": null,
	"settlementDate": null,
	"conversionDate":null,
	"mcc": "6011",
	"channel": null,
	"acquiringCountryCode": "356",
	"posEntryMode": "901",
	"cardSeqNumber": null,
	"pointOfServiceConditionCode": "00",
	"feesAmount": null,
	"acquiringInstitutionCode": "720397",
	"forwardingInstitutionCode": null,
	"track2Data": "5088XXXXXXXX0005=2100XXXXXX000000000",
	"authorizationIdResponse": null,
	"responseCode": null,
	"serviceConditionCode": "520",
	"cardAcceptorTerminalId": "TEST1234",
	"cardAcceptorId": "TEST12345678901",
	"cardAcceptorNameLocation": "M2P KARTHICK TNIN",
	"additionalResponseData": null,
	"track1Data": null,
	"additionalData48": "051005POS010520032940560023105800500999061030000000000000000012000000000000071042103.014.161.0050000000000000000000000003560770401000000000000000000000000000000000105200",
	"transactionCurrencyCode": "356",
	"settlementCurrencyCode": null,
	"cardholderBillingCurrencyCode": null,
	"pinData": "419E0B8AAD1D2B2F0000000000000000",
	"additionalAmount": "9090356D000000001000",
	"chipData": null,
	"adviceReasonCode": null,
	"posDataCode": "5116615GA000000400051Address",
	"privateData1BiometricData": null,
	"privateData2EncryptedBiometricData": null,
	"networkManagementCode": null,
	"originalDataElement": null,
	"fileUpdateCode": null,
	"replacementAmount": null,
	"fileName101": null,
	"accountIdentification1": null,
	"accountIdentification2": null,
	"reservedForPrivateUse": null
}

Explore other flows

In Lending

Consumer

Optimized lending flows designed to suit all types of lenders - from traditional NBFCs to Consumer Internet Companies to new-age lending startups

Explore

Corporate

Control and track Business spends with a suite of tailor-made lending solutions for Corporate. Just-in-Time funding provides complete flexibility

Explore

SME

Empower SMEs with funds as and when they need it. Provide credit Just-in-Time based on earnings of Merchants or draw from Overdraft accounts

Explore

Innovating credit card issuance

Create revenue streams

Quick integration

Tap into untapped

Optimize processes

That's how we make credit card flow

How to build a credit score?

Get a secured credit card using FD and build your credit score

Transactions - and counting...

Workings of YAP Credit

In Lending

Consumer

Corporate

SME

Subscribe to Our Newsletter

Go cashless
with our hassle-free cards

Innovating credit card issuance

Create revenue streams

Quick integration

Tap into untapped

Optimize processes

That's how we make credit card flow

How to build a credit score?

Get a secured credit card using FD and build your credit score

Transactions - and counting...

Workings of YAP Credit

In Lending

Consumer

Corporate

SME

Subscribe to Our Newsletter

Go cashless with our hassle-free cards

Go cashless
with our hassle-free cards