New Bulk processing capabilities in the Multi API​

This new feature is available to try out, on request (via support ticket or your account manager).

End-customer businesses (i.e. Corporates) often have to perform certain actions in bulk or batches. For example when an employer enrols their employees into their benefits programme. In such cases, the Embedder’s application can call a Multi endpoint for each individual end user action, as many times as necessary. We are now providing built-in bulk processing capabilities to make this type of repetitive/batch action easier to run and monitor.

Bulk operations refers to the capability of grouping multiple individual API-based actions into a batch. Over time we will make available an increasing range of common actions as bulk operations.

Running a bulk operation creates a Bulk Process, which is a parent task representing the workload, with a lifecycle (statuses) and management method. We aim to make this manageable in a consistent way regardless of the type of operation being performed in different or concurrent processes.

The first bulk operations we’re making available are:

• POST bulks/users Bulk create Corporate Authorised Users

• POST bulks/user/_user_id_/invite Bulk invite Corporate Authorised Users

• POST bulks/managed_cards/_id_/spend_rules Bulk update spend rules across Managed Cards

See our documentation for full details of the underlying Multi API calls.

Owner details added to the manual transaction Webhook event​

Previously for Embedder programme developers or technical administrators that enabled Weavr Webhook API, the manual transaction webhook event provided information relating to the transaction and the financial Instrument, but the Instrument owner's details were not included.

We’re now including the Instrument owner's details in the manual transaction event webhook. The owner details will include the type (whether corporate or consumer) and the owner ID.

This means that the additional data (the owner ID) can be used to reconcile all manual transactions impacting a single customer. This update will be made available automatically upon release and visible once a manual transaction webhook event is received.

Additional measure to avoid shared mobile device for biometrics​

Currently, for a device that has been enrolled for biometrics, it is possible to fully log-out, and then a different user use the same device to log-in. It is already not possible to enrol the same device for two users, and so a secondary user in that scenario would be able to log in, but then not be permitted to access functions requiring a Stepped-Up token.

We are closing this edge case to strengthen the security of our biometrics SDK: once the device is enrolled, it can only be used for logins by the unique end user who set up biometrics. For anyone else to use that device for their own logins to the Embedder's application, it would need to be unenrolled by the first end user (thus freeing it up to be enrolled into biometrics by a different user).

Updated word separator in Embedder Portal URLs​

In the process of standardising URL structure in the Embedder Portal we have replaced underscores (_) with hyphens (-) in paths of: /programmes/:programmeId/console/

Example:

• managed_accounts -> managed-accounts
• managed_cards -> managed-cards

All navigation paths should work as usual, and old URLs the Embedder's team have bookmarked should redirect to the new URLs. Please contact us if you spot anything that's not working as expected in the Embedder Portal interfaces.

FATCA reporting for US citizens and residents​

Please note that we are required to report details of any USA citizen/resident account holders under Foreign Account Tax Compliance Act (FATCA) regulations. This applies to Directors or Beneficial Owners of Corporates as well as to Consumers. We will contact you if this affects your live programme.

If you are planning to expand the addressable market of end customers onboarding to your application, whether for US-based customers or other geographic expansion, please discuss with your Weavr account manager (or open a support ticket) to confirm possibilities and any additional processes required.

Additional endpoints now supporting idempotency​

As mentioned in previous Release Notes, we are extending the list of endpoints in the Multi API which can be called idempotently. This can be achieved by including the idempotency-ref header in the requests.

In this release, the following Multi API endpoints can (optionally) be called idempotently:

• POST /managed_cards/{id}/block to block a Managed Card

• POST /managed_cards/{id}/unblock to unblock a Managed Card

• POST /managed_accounts/{id}/block to block a Managed Account

• POST /managed_accounts/{id}/unblock to unblock a Managed Account

Further information on idempotency is provided in our API Docs here.

New method for signing webhooks​

We are making webhook signatures more robust with the new method optional to adopt at present. For now, both the previous method and the new method are supported. The new method described below will become the only supported method on a timeline confirmed in a future breaking change release. In the meantime please test this out with your programme so you are ready to migrate at a later date or as soon as you wish.

Webhook signatures allow Embedder's applications to verify that a message received originates from Weavr. We require that all Embedders implement such security mechanisms. The previous (still live) method is described in the Webhooks documentation here.

In the new method we are using HMACSHA256 to create a signature from a hash of the entire message (call-ref + payload + published-timestamp) instead of just the timestamp. This provides proof of integrity of the message (i.e. it has not been tampered with).

This new signature value is being passed as a new parameter in the header denoted by signature-v2; the signature parameter in the header will continue to be present for now, having a value based on the hashed published-timestamp.

At present, the webhook signing key is the oldest active API key of the Embedder's application.

Options to use biometrics in different SCA scenarios​

We are continuing the rollout of new biometric authentication features in the context of more SCA scenarios as below.

In general, the following scenarios require Strong Customer Authentication to be completed by the End Customer:

• Step-Up login to access sensitive account and payment card information
• Non-card payment approval (i.e. to execute a Send or OWT)
• Card payment approval i.e. 3-D Secure

At the stage of prototyping and testing in the Sandbox, developers can now experiment with use of biometrics to perform some or all of these flows (instead of, say, SMS OTP).

Embedder Portal screens make the following options editable while in Sandbox (non-production) mode.

Option to use biometrics as the primary/default Step Up login with a fallback to SMS OTP.

Option to use biometrics as well as - or instead of - SMS OTP when confirming outgoing (non-card) payments.

Option to use biometrics as well as - or instead of - SMS OTP when confirming outgoing (non-card) payments.

These SCA options can be configured independently from each other while testing different user journey approaches. Live programme SCA configurations are subject to checks and approval before launch and whenever making any changes that affect End Customer experience.

Data Insights - new Currency Analysis tab​

As part of our continuous improvements to Data Insights, we are introducing a new Currency Analysis tab within the Settlements dashboard.

Managed Cards have an Instrument Currency and the API and Embedder Portal show reports in the currency of the instrument.

However, for Data Insights, each programme has a configurable Base Currency to allow for aggregation of financial data.

This means that in Data Insights dashboards it was previously not possible to view card transactions using the original (instrument) currency, or aggregate statistics in those alternative currencies. The new Currency Analysis tab enables Embedder operational and support staff to review card purchase settlement data using the Instrument Currency instead of the Base Currency.

Managed Cards can be created with an Instrument Currency of GBP, EUR, or USD.

The new Data Insights tab in the card Settlements dashboard allows Embedder Portal staff users to review End Customer financial activity in the currency of the card or account instrument.

Internal e-money Transfers show source and destination accounts​

We are improving the transaction details displayed for Transfer transactions. A Transfer is a transaction moving money between two Managed Accounts of the same Identity (in the same currency) - i.e. an internal e-money movement not an external wire transfer or third-party payment. Transfers are also used when a Managed Account holder tops up one of their prepaid Managed Cards.

Previously, for Transfer transactions, the transaction activity pages in the Embedder Portal for both the Managed Account and Managed Card did not display information about the source and destination of the transaction being viewed. Additionally, the description field optionally used in a Transfer was not possible to review.

The detailed view for a Transfer transaction will now provide all of this additional information. When the transaction is being viewed from the source instrument transaction activity page, the transaction details will include information about the destination instrument. Whilst, when the transaction details are viewed from the destination instrument, the details of the source instrument are provided.

This enhancement to the Embedder Portal does not impact the statement generation endpoints provided in the Multi API or in the BackOffice API since they already include this information in the additionalFields field.

This enhancement will be made available automatically in the Sandbox. The information displayed will mimic the same structure provided in the screenshot below when viewed from the destination instrument.

Embedder Portal staff users can review individual Send transactions with additional details displayed about the source and destination accounts.

Additional endpoints now supporting idempotency​

As mentioned in previous Release Notes, we are extending the list of endpoints in the Multi API which can be called idempotently. This can be achieved by including the idempotency-ref header in the requests.

In this release, the following Multi API endpoints can (optionally) be called idempotently:

• POST /managed_cards/{id}/physical/report_stolen to report a physical Card as stolen

• POST /managed_cards/{id}/physical/report_lost to report a physical Card as lost

• PATCH /corporates to update the details of the logged-in corporate identity

Further information on idempotency is provided in our API Docs here.

Rollback: Step-Up expiry extended for Managed Cards​

The extended Stepped-Up session validity (180 days) on the GET Managed Card endpoints that was announced as a Sandbox feature in the last release notes email, has now been postponed to a future release. For now, the endpoint will continue to require a Stepped-Up token as previously documented.

Streamlined API call for incrementing a card spend limit​

In embedded finance use cases delivering employee-spendable benefits / rewards / allowances, a common approach is for employers to set an allowance per employee (/card) on a periodic basis (e.g. monthly, weekly). In some cases, the employer may want to allow the employee to carry over any ‘unused’ budget from the previous period into a new period.

This can be achieved via the Weavr APIs by establishing an “ALWAYS interval” and a “limit”, and then setting a new, higher limit when reaching the end of the period. Until now this required two calls, GET all spend rules for a Managed Card (to determine the current limit), then after calculating the new limit, a second call to PATCH update the spend rules on that Managed Card.

Weavr now offers a streamlined way of doing this, as follows:

We have introduced a new parameter in the spendLimit array - updateMethod with the following enums:

• OVERWRITE : (default option if left null). Overwrites the previous values for the spendLimit object i.e. sets new limits

• INCREMENT : This will increase the existing value of the spend limit by the amount input the value field.

If INCREMENT is used in conjunction with an ALWAYS interval (as in the example given), it can negate the need for the first GET (of the limit) and the calculation of the new limit. Simply call the PATCH with updateMethod set to INCREMENT, interval to ALWAYS and the value you want the limit to increase by.

INCREMENT can be used on all intervals, not just ALWAYS. You cannot decrease a limit using INCREMENT.

APIs affected:

PATCH /managed_cards/{id}/spend_rules

Data Insights - new SCA Events dashboard​

PSD2 defines that Strong Customer Authentication (SCA) via multifactor authentication needs to be used when End Customers access their sensitive payment account information and make payments.

To help Embedder programme operations and support teams track and troubleshoot SCA actions of End Customers through their programme, we are introducing a new Data Insights dashboard in the Embedder Portal: SCA Events.

Embedder staff can now gain an overview of SCA-type auth events, including the ability to filter by country and authentication channel.

SCA events covered include:

• Device enrolment

• Session Step-Up

• Transaction confirmation

• 3DS initiation

• Beneficiary management

Embedder Portal users can deep-dive into each segment by using the drill-down functionality available across various charts.

Within this dashboard, you can also access a dedicated SMS Analysis tab which you can use to track the journey of SMSs and understand how long SMSs take in each state. This can be helpful for troubleshooting any SMS deliverability issues that are emerging in support cases for particular customers or regions, often due to local telecoms reasons.

Additional endpoints now supporting idempotency​

As mentioned in previous Release Notes, we are extending the list of endpoints in the Multi API which can be called idempotently. This can be achieved by including the idempotency-ref header in the requests.

In this release, the following Multi API endpoints can (optionally) be called idempotently:

• POST /managed_accounts to create a Managed Account

• POST /managed_cards to create a Managed Card

• PATCH /managed_cards/{id} to update a Managed Card

• DELETE /managed_cards/{id}/spend_rules to delete all spend rules for a Managed Card

Further information on idempotency is provided in our API Docs here.

Email to End User for new device biometrics enrolment​

Embedders have the option of enabling mobile device biometrics (facial recognition or fingerprints depending on hardware and Android vs iOS) as a multifactor authentication method, provided their application offers End Users a mobile app.

When an End User successfully enrols their first device or a new device for biometrics, Weavr will now send an email directly to them. As well as confirming a successful enrolment, this is also a security feature to alert them in case the device enrolment was not done by them. (In addition to this email, Weavr continues to send a webhook to the Embedder on the status change of the biometrics enrolment flow.)

The following is the default template for this email, where the example text “PasscodeApp” would change to the Embedder’s application name:

As with other transactional emails sent by Weavr directly to End Users, as the Embedder you have the option to apply your own brand design and potentially wording changes to this email template, subject to approval.

To create or change customised email templates, please open a support ticket.

Additional endpoints now supporting idempotency​

As mentioned in previous Release Notes, we are extending the list of endpoints in the Multi API which can be called idempotently. This can be achieved by including the idempotency-ref header in the requests.

In this release, the following Multi API endpoints can (optionally) be called idempotently:

• PATCH /managed_accounts/{id} to update a Managed Account details

• POST /managed_cards/{id}/physical/activate to activate a physical card

• POST /managed_cards/{id}/physical/replace_damaged to replace a damaged physical card

• POST /managed_cards/{id}/physical/replace_lost_stolen to replace a lost or stolen physical card

• POST /managed_cards/{id}/physical/contactless_limit/reset to reset the contactless limit for a physical card

Further information on idempotency is provided in our API Docs here.

Card Settlement Reversal indicated in Embedder Portal​

We have made changes to the way a payment card Settlement Reversal is presented on the Embedder Portal in the Managed Cards transaction activity view. Previously, only the transaction type was shown, without a merchant name.

In order to help Embedder support staff to reconcile a reversal with the relevant settlement, this view now displays the merchant name.

The changes made to the Embedder Portal statement user interface will not affect the endpoints provided in the Multi API or Multi Back-office API for the generation of Managed Cards statements.