SimpliFi Architecture

SimpliFi uses Async architecture to let the clients use its APIs in a modular set-up. Every API call made to SimpliFi
would result in response code in the 2xx series, if the request was successfully received. Once the request is
received it gets handled internally to get it processed.

Once the request is processed, the response of the request is provided to the clients at their configurable endpoints
through webhooks. Webhook body would provide appropriate values in case the request was completed as well as error
codes in case the request resulted in failure.

CardProduct: This is the highest level of the resource hierarchy with-in SimpliFi platform. CardProduct are
implemented at the partnering processors depending upon client requirements and approvals from regulatory bodies
and schemes. CardProduct implementation once completed would return a CardProgramTemplateUUID which can be
used to create card programs.

Funding Source: Every client (or company i.e. client of SimpliFi client) would get a dedicated funding source
in each approved currencies for CardProduct. One funding source can be linked with multiple Cards Products or
Card Programs. Funding source is the Account number that is created to specifically run the card programs created
under a Company.

CardProgram: These are configured templates and define the unique use case per client. These can also be
configured and provided dedicated names to identify unique company in case the SimpliFi client is not the end
client issuing the cards to its customers. Any client can have multiple Card Program using the same template
(product type) or different template (product type).

User: Users are cardholders to whom the cards would be issued. Users can be created using APIs. At the time of
user creation; users are assigned under a card program. During card issuance for the users the cardprogram can be
overwritten by providing a different card program as an input. If card program as an input during card issuance is
not provided then the default card program used during user creation can be used.

Card: These are payment cards which can be issued in virtual or physical form and can be used to conduct
transactions. One user can have multiple cards.

Wallet/Currency: SimpliFi supports multi currency environment. Currently the SimpliFi platform
supports 50+ currencies. If the card requires more than one currency on the card, a dedicated wallet would be
created supporting each currency. Supported currencies are listed below.

PCI DSS Compliant SDK: Both iOS and Android SDKs which can be wrapped under client App to enable
cardholders access their card details on the app.

Transactions: Transactions on SimpliFi platform could be accessed using two mechanisms:

API: The API can be called to see all the transactions at Card, User or Card Program level. However
this API would not be enough to update the client system with real time transactions.

Webhook: To support clients update their system with real time transactions (which the card holders would
be conducting outside of their system), SimpliFi would send the webhooks with all the transactional details.

Supported Currencies

AED

BHD

SAR

JOD

KWD

OMR

QAR

AUD

CAD

EUR

GBP

USD

HKD

Getting API Keys

To request API keys for the SimpliFi platform please place a request here. Once
we receive your request we’d be able to send you:

Client ID

User ID

Temporary Password

Dummy funding source in USD currency

CardProgramTemplateUUID

You will be able to use the first three credentials to start testing APIs (or access SimpliFi Portal). You can use
the dummy funding source to link it with the card programs you would have created. We would also be setting up
a CardProgramTemplateUUID for you to start creating a card program.

Supported Currencies#

Getting API Keys#

Supported Currencies

Getting API Keys