Balance inquiry

It allows your customers to check the balance or available limit in their account in real time at an ATM.

Introduction

This feature allows your customers to check the balance or available limit in their account in real time at an ATM.

Functionality

We treat the balance inquiry as a special type of authorization because in some cases it has an associated cost.

Balance inquiries are transactions of type balance_inquiry and, in the response to the Authorization API, you will have a field called balance to respond with your customer's balance in local currency.

When the presentation of that operation arrives, we will reconcile it with the authorization to include it in the presentation report that we share with you through SFTP.

Step by Step

1. Your customer goes to an ATM and makes a balance inquiry.
2. The ATM receives the balance inquiry and transmits it to the card scheme.
3. The card scheme transmits that inquiry to us.
4. We receive the authorization from the card scheme.
5. We send the balance inquiry authorization along with the cost to be paid by the customer.
6. You obtain the balance or limit of that customer.
7. You respond to us with the available balance and charge the cost of the inquiry.
8. From Pomelo's end, we respond to the card scheme with the available balance in the balance inquiry.
9. The ATM receives the balance and shows it to the customer.
10. The customer gets their available balance.
11. The presentation of the balance inquiry arrives with the amount to be paid.
12. The authorization is reconciled with the presentation.
13. The presentation is saved.

14. The balance inquiry is included in the reports.

Implementation

1. We will send you a request with the type balance_inquiry through the Authorization API.
2. You must respond to that request with the status (APPROVED or REJECTED) and the client's balance in the balance field. At the same time, you will have to debit the operation cost (if the cost exists and it is approved). In addition, you will have to debit the cost of the operation (if any and approved), whose details you can see in the amount_details field. If you reject the balance inquiry, you do not need to charge that cost to the user.
3. As soon as you respond to the balance, we will communicate it to the flag so that they can show it on the ATM and the customer can see it.

4. In the presentation files, you can see the amount that you will need to pay to the flag for that operation. Remember that, if you wish, you can transfer that cost to your customer at the time of authorization.

Frequently Asked Questions:

What happens if I receive a balance inquiry with an associated cost and the customer does not have enough balance to cover it?

You will need to register the debt in your system so that you can cover it as soon as the customer enters money.