Debit Card

Available only to US customers.

Introduction

As a US customer, you can add a debit card as a payment instrument for a user to pull or push funds instantly.

How it works?

You can add a new debit card as a payment instrument for a user using the portal. The following information is required when adding a debit card.

• First Name (Mandatory)

• Last Name (Mandatory)

• Email (Mandatory)

• Debit Card Number (Mandatory)

• Expiry Month (Mandatory)

• Expiry Year (Mandatory)

• Address Line 1 (Mandatory)

• Address Line 2 (Optional)

• City (Mandatory)

• State (Mandatory)

• Zip Code (Mandatory)

• Country (Mandatory)

Transaction Types

Debit card supports both pushing funds to a card and pulling funds from one:

• FundZumWallet — pull funds from the card into the wallet

• WithdrawZumWallet — push funds from the wallet to the card

• AccountsPayable — push funds from the wallet or a funding source to the card

• AccountsReceivable — pull funds from the card to the wallet or a funding source

Each transaction type is subject to its own set of limits, as outlined in the Transaction Limits section.

Processing Schedule

• Debit card transaction are instantaneous.

Transaction Events

Event	Description
DebitCardFailedGeneralError	When transaction has failed due to general error
DebitCardFailedPaymentDeclined	When transaction is rejected by issuing bank
DebitCardFailedTransactionExpired	When transaction has failed due to timeout expire
DebitCardFailedHighRiskOrPotentialFraud	When transaction has failed due to potential fraud

Testing

To simulate an Debit card failure, include an event name from the list above in the COMMENT field when creating a transaction. If you don't mention an event in the COMMENT, the transaction will change its status to "Completed" in the sandbox environment.

Simulating Success

{
  "ZumRailsType": "AccountPayable",
  "TransactionMethod": "DebitCard",
  "Amount": 123.45,
  "Memo": "This transaction will succeed",
  "Comment": "This transaction will succeed because there's no keyword",
  "UserId": "1d431e8b-...85452adb4eee",
  "WalletId": "8ebd932b-...b92633e14297"
}

Simulating Failure

{
  "ZumRailsType": "AccountPayable",
  "TransactionMethod": "DebitCard",
  "Amount": 123.45,
  "Memo": "This transaction will fail with event DebitCardFailedPaymentDeclined",
  "Comment": "DebitCardFailedPaymentDeclined",
  "UserId": "1d431e8b-...85452adb4eee",
  "WalletId": "8ebd932b-...b92633e14297"
}