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v1

latestOpenAPI 3.1.0Copyright Pismo2026-07-247702,7523.1 MB
UPI

Validate card data

Validate client card data for Transfer funds

post/v1/cards/validate

Headers

Authorizationstring required
Example:Bearer eyJhbGci...IUzUx

Account token - an access token encoded with a Pismo account ID. Tokens can expire quickly, which can result in a <b>401 Unauthorized</b> message.

user-agentstring required

Client consuming API.

Request body

account_reference_numberstring required

Account reference number. Pismo creates this automatically when creating a card linked to RuPay on UPI.

This number combines 10 BIN digits and the credit account number. If BIN is 6 digits, the remaining 4 digits are set to zero (0). If BIN is 8 digits, then the remaining 2 digits are set to zero. This is a NPCI standard. For example, if the account reference number = 1234560000987654321, the first six digits are the BIN, appended with 4 zeros and then the credit account number (`987654321``).

You can call List cards to get a card's account reference number.

external_transaction_datetimestring required

Request datetime. ISO 8601 format.

external_transaction_idstring required

Request ID code

Example request

{
  "account_reference_number": "12345600000000001140340134",
  "card_data": {
    "card_expiration": "0529",
    "last_six_digits": "657114"
  },
  "external_transaction_datetime": "2020-09-15T19:39:54.013Z",
  "external_transaction_id": "MGS584A1244F6BC4D50A3FABE6D93DF913C",
  "pin_data": {
    "pin_block": "3FE661D50EF1F6F1",
    "key_id": "7d14ca2e-1057-11ee-8cee-060f666de710"
  }
}

Response

Response Body

account_reference_numberstring required

Account reference number. Pismo creates this automatically when creating a card linked to RuPay on UPI.

This number combines 10 BIN digits and the credit account number. If BIN is 6 digits, the remaining 4 digits are set to zero (0). If BIN is 8 digits, then the remaining 2 digits are set to zero. This is a NPCI standard. For example, if the account reference number = 1234560000987654321, the first six digits are the BIN, appended with 4 zeros and then the credit account number (`987654321``).

You can call List cards to get a card's account reference number.

external_transaction_datetimestring required

Request datetime. ISO 8601 format.

external_transaction_idstring required

Request ID code

resultstring required

Validation result. If not valid, an error message is returned.

Example response

{
  "account_reference_number": "12345600000000001140340134",
  "external_transaction_datetime": "2020-09-15T19:39:54.013Z",
  "external_transaction_id": "MGS584A1244F6BC4D50A3FABE6D93DF913C",
  "result": "VALIDATED"
}