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Changelog

Xpollens changelog since September 2021


Release Note

May 2023#

Webdesk

  • Implemented 4 eyes validation for enhanced security and control.
  • Task orders are now sorted from oldest to newest, providing a better user experience and easier access to the most recent tasks.

Anti Money Laundering

  • Improved scoring and compliance with French regulation

Bug Fixing

  • Fixed an issue with the filter "GET SCT" for operations on VIRTUAL IBAN, which was previously not functional.
  • Resolved an error where a "CardActivated" event was triggered for a card that was still in the "Ordered" status.
  • Addressed the issue where a "Result Code 400" error occurred when attempting to update a user's phone number in the PUT User v2.0 endpoint, indicating that the phone number was already in use by the same user.
  • Fixed the malfunctioning search filters in the Users management section, ensuring all filters now work correctly.
  • Resolved the problem with Scoring Endpoints not functioning properly in the Integration environment, allowing for accurate scoring operations.
  • Fixed the functionality issues with Card creation Classic Physical in V1.1 and Get card detail in V1.1 endpoints, ensuring they now work correctly.
  • Updated the Roles technical with IsReadOnly=1 to ensure the appropriate permissions and restrictions are applied to technical roles.

April 2023#

Profile Management

Profile page rights management improvement. Avoid inconsistency between parent page rights and children page rights.

Cards Operation

Added a merchant label for offline card operations on the operation list for card operation details. Merchant labels are now displayed for both online and offline operations.

Internal Transfer(P2P)

Added two new attributes label and subLabel to display additionnal information on each P2P detail.

Users (phone number)

Phone numbers format is checked against E.164 normalization (https://www.itu.int/rec/T-REC-E.164/). In case of invalid format, user creation will be rejected.

Endpoints concerned

  • POST /api/v2.0/users
  • POST /api/v1.1/users
  • PUT /api/v2.0/users/{appUserId}
  • PUT /api/v1.1/users/{appUserId}

Users (address)

Endpoints v2.0 - address fields such as street, and city have a maximum character length. See details: https://docs.xpollens.com/api/Users

Endpoints v1.1 - address field street can exceed 38 char length, but is truncated to 38 chars by Xpollens card service.

Endpoints concerned:

  • POST /api/v2.0/users
  • PUT /api/v2.0/users/{appUserId}
  • POST /api/v1.1/users
  • PUT /api/v1.1/users/{appUserId}

Legal Entity

legalForm and highFinancialIncome can now be updated with endpoint PUT /api/v2.0/legalentities/{legalEntityId}.

Card Display

The PAN can now be copied to the clipboard.

March 2023#

User onboarding

  • Partners can now send diligence files
  • Improvement KYB demand (KYC for businesses) in status "Awaiting Expertise"

Transaction management

  • Internal transfers (P2P) can be managed with new endpoints:
    • POST /api/v2.0/users/{accountPartnerReference}/internal-transfer
    • GET /api/v2.0/users/{accountPartnerReference}/internal-transfer/{reference}
    • GET /api/v2.0/users/{accountPartnerReference}/internal-transfer
  • Internal transfers (P2P) now allow for a new extra data, see fields label and subLabel

February 2023#

Partner Portal

  • permissions (none, read or write) can now be managed on a per-page basis

January 2023#

Partner Portal

  • Adding of an access activity log feature (Audit Track)
  • Display SDD related to each mandate

E-Money MVP

  • New version of GET / Accounts API (v2.1) to retrieve account service type (E-Money, Payment Account)
  • New account types (Current Account, Trust Account, Savings Account, ..)

X-Pay

  • Token authorization request (TAR) workflow update
    • No update of the authorization balance at TAR reception
    • No callback #20 sent when TAR is received

SDD

  • Add of unique mandat reference filter in GET /api/v1.1/users/{userid}/sdd API

November 2022#

Accounts:

  • Deployed the new virtual IBAN feature. You can now create multiple "throwable" IBANs to identify incoming fluxes or to not expose your main IBAN. Documentation on the different use cases enabled can be found here. Technical documentation is here.

Sandbox:

  • Upgraded our sandbox environnement realism by adding simulators for processing of interchange fees and clearing report generation.

Onboarding:

  • Added a new status "Fraud_Suspicion" & "AwaitingExpertise" for the onboarding process. This change is not reflected in the callback 4 to avoid breaking change in already existing implementation.
  • Added an automatic refusal process for users identified as fraudster.

Operations:

  • Added a new endpoint to revoke a mandate. This new revokation info is also now available in the GET method for SDD status. We also added the Appuserid in both responses of the POST and GET methods for SDD.
  • Made an evolution on the callbacks #1 & #5. These callback are now in a JSON body format instead of the old URL Query format. The URL Query format is now deprecated and will be decommissioned as soon as all clients made the changes on their side.

Partner Portal:

  • Displaying now in plain text the IBAN all across the Partner Portal
  • Added a new button to freeze/unfreeze accounts
  • Added a few alert messages to improve user experience
  • UI improvements on FATCA & KYC screens
  • FOR PECI clients ONLY: Webdesk users can now access a new screen called "TO DO" that enable them to validate the "SCT IN" type of diligence.

October 2022#

Card Operations:

  • Set up a new bus between Clearing & existing Operations µService to avoid competitive access ations for high volumes of Card Operations
  • Miscellaneous optimizations related to high volumetry

WebDesk:

  • The Partner Portal has been migrated to a more stable technical infrastructure that host both our back office and our clients. It's now called Webdesk to represent both of use cases.
  • Added status pending for FATCA demand for a better tracking of demand status

September 2022#

Users:

Re-upload of a KYC diligence:

  • We now allow to re-upload a KYC diligence in case of failed KYC.

August 2022#

Cards:

WishPIN:

  • Updated the WishPIN token output to ease integration

Compliance:

FATCA/EAI:

  • Upgraded our engine to improve detection
  • Added error messages. More here.

Accounts:

Account closure:

  • Automated the account closure process by updating the endpoint for the Webdesk portal. To help you reduce the customer lifecycle management, closing an account is now a full-automated process at Xpollens when using the action button on EPv4/BOv2.
  • Small reminder :
    · Incoming and outgoing transactions for the "closure requested" and "pending closure" status are automatically blocked (except SCT Out and IP Out)
    · When an account is going to be closed, an SCT OUT is triggered when the account balance is > 0€
    · A Return SCT Out is authorized if a the recipient bank returns the money

Friendly reminder : closing an account is only possible when the account has no more money in it.

July 2022#

Users:

New validation rules on email:

  • If email domain is part of a disposable service, error message: "Invalid e-mail"
  • Email must be unique, unless userRecordStatus = "Refused"

Split User/Account:

  • User v2.0 endPoints (POST/PUT/GET) are now available (data is still available in V1.1 endpoints)
  • Callback 45 is sent when an account is created (automatic when creating a user)
  • New endpoint GET /api/v2.0/accounts/{accountId}

June 2022#

Cards:

  • Added a new endpoint to display CVX2, PAN and Expiry date of a card. Please note that this endpoint replaces unused endpoints GET /api/v2.0/pan/{cardExternalRef} and POST /api/v2.0/cvx2/{cardExternalRef} which will be deprecated. More here.

Callbacks:

  • Added 2 new keys: sepaReason and sepaReasonCode in JSON payload of callbacks types 16, 17, 18, 19 (SEPA Direct Debits, SEPA Credit Transfer). More here.

Partner portal:

  • UI Improvement of SCT Out
  • UI Improvement of card oppose

May 2022#

Cards :

  • New type of VISA card is now available for issuing : the VISA Infinite. You can issue via the same endpoint.
  • OTP SMS for Macbook enrolment (Xpay) : We developed a new «OTP SMS» Cardholder verification method for Macbook enrolment. The OTP is sent to the partner through a new Callback «type 26»

Onboarding :

  • Multiple wallet can now be attached to a single user. More here.
  • New PAN copy feature available in the dedicated SDK
  • Enrichment of the callback 20 and the GET KYC demand responses

April 2022#

Partner Portal :

  • We switched the chronological sorting value for card operations. We now use the operation value (time when payment is accepted) instead of the execution value (time when payment is cleared)
  • By the way, these values are accessible and integrated into the history items endpoint. (Fields : OperationCreationDate vs ExecutionDate)
  • We eased user experience by switching most used search fields to the top and displaying the search criteria in the same order as in the customer list
  • We also further optimize the export features for operation list

Mars 2022#

Cards :

  • A new endpoint for token Activation in the In-App6 verification workflow has been delivered. More HERE.
  • We have integrated the alias related to the subscription mode for recurring payment. You can now add the subscription mode to your one click payment method. More HERE.

Partner Portal :

  • Improved the export process

February 2022#

Partner portal :

  • Added a card cancellation process through the partner portal. You can now cancel a card (if a customer no longer want it for instance) via two simple clicks on your web interface.

Users :

  • Improved the v2.0/users POST API endpoint to adapt age of majority according to the user’s country

January 2022#

Partner portal :

  • A new profile management module has been added to our Webportal. Partners can now create their own profile with associated rights to tailor access to their own needs.
  • Lifted the limit of displayed transactions to 300 (instead of the previous 150)
  • Improved some labels to be clearer

Users :

  • Added the GET method to fetch legal entities
  • Implemented the FATCA process and exposed dedicated endpoints. You can find more here

December 2021#

Transfers :

  • Added the Outgoing Sepa Direct Debit feature to our platform. We can now operate SDD both ways (incoming (already existing) and outgoing (new))
    You can now present and manage SDDs, mandates dynamically via our APIs.
    More here : SDD API

Cards :

  • New validity date for Xpay token. The token is now deleted if not activated for the last 30 days.

November 2021#

Onboarding :

  • Added the EAI/CRS autocertification pdf generation. You can now have your own logo and disclaimer for this document
  • Excluded the complete KYC demands from the SCT diligence cancelation process

Cards :

  • Created two new endpoints to display sensitive card infos :
    GET PIN endpoint
    GET CVV + PAN endpoint
    All these new endpoint require to have the SCA SDK installed
  • Improved SDK in-app provisioning stability and performance
  • Added a WishPIN endpoint (GET/api​/v2.0​/tokensignature) to get authentication data
  • Modified the getCVV2 method to be reachable for physical and virtual cards
  • Added two endpoints to display card infos to our client in agent mode
    For PIN:
    GET/api/sca/normal/v2.0/{appUserId}/pin/{cardExternalRef}?channelCode={channelCode}
    For PAN and expiry date :
    GET/api/sca/normal/v2.0/{appUserId}/carddisplay/{cardExternalRef} ?channelCode={channelCode}

Transfers :

  • Significantly improved mass P2P calls efficiency
  • Automatized the reject of blocked SCT IN when time limit is reached

Partner Portal :

  • Extended the debt management capabilities by adding ATM withdrawals debt management

October 2021#

Transfers :

  • Added the French overseas transfer protocol. You can now transfer fund from/to overseas department Cards :
  • Improved virtual cards API stability. No impact on existing APIs Partner Portal :
  • Added the display of Instant Payment Diligence
  • Improved display of transactions. You can now view 150 transactions instead of 50
  • Corrected cards action buttons display when one was not authorised to see it
  • Added the coma "," character in the list of forbidden character
  • Corrected some error messages
  • Aesthetics changes to improve user comfort

September 2021#

Cards:

  • Created a Get Card cumulated values endpoint to check cumulated values for both payments and withdrawals

Onboarding :

  • Improved the SCT Diligency algorithm to boost matching performance

Partner Portal :

  • Multiple QOL improvements :
  • Displayed a generic error if an error occured during the limit modification on a card
  • Added new history Items type (16 & 17)
  • Added BIC information on the SCT/IP details
  • Showed new compliance informations (FATCA/EAI)
  • Allowed the orderid search without the operation type in transaction list
  • Added the coma (,) in the list of forbidden character for the names search field
  • Added “Clear all filters" button in the operations page