Coupons

Handling card holder information requires the entity to obtain PCI DSS Level 1 certification, which ensures the merchant systems are complaint with the payment industry standards.

Moyasar merchants do not have to worry about this, since card holder information are passed directly to Moyasar servers without going through the merchant systems ensuring card holder information safety and relief the merchant of any required certification.

Applying marketing coupons or discounts based on the card BIN (Bank Identification Number) or IIN (Issuer Identification Number) will require the merchant to handle card holder information directly which is not possible without the proper certifications.

Moyasar API offers a feature called Coupons which allows the merchant to define rules using different criteria. During the payment process, Moyasar API will automatically check if the coupon is applicable on the payment request, and if so, the coupon will be applied and the payment amount will be deducted based on the defined value.



In order to setup a token, the merchant will provide Moyasar with the following information:



When a payment is created through the API, Moyasar will check for registered coupons and if a coupon matches the incoming payment, the coupon will be applied to that payment and the amount will be reduced according to the set value.

When the payment response is returned, the payment metadata will look like this:

In the previous example, the payment amount was 2000.00SAR. When the coupon is applied, 300.00 will be deducted from the full amount, however, only 150.00 is deducted since we have defined a cap on the coupon.



Please note that each source has a different BIN range for the same card product, for example, the same exact mada card from a local Saudi issuer has the BIN ranges for: