Cardless Withdrawal | QwikLive API

POST /api/ssb/accountservices/{version}/transactions/cardless

Executes a cardless ATM cash pickup initiated by a mobile application via QR code or NFC token. No card.pan is required — the account is identified directly by paymentInstrument.account.id.

Operation ID: CardlessWithdrawal · transaction.type: CARDLESSWITHDRAWAL

ℹ

No Card PAN Required

Unlike other debit endpoints, cardless withdrawal does not require paymentInstrument.card.pan. The account is identified directly by paymentInstrument.account.id. Do not pass a card PAN for cardless transactions.

head.description string Yes

Transaction description. Example: "ATM Cardless QR Withdrawal"

transaction.rrn string Yes

12-digit RRN.

transaction.type string Yes

Must be: CARDLESSWITHDRAWAL

deviceInfo.terminalId string Yes

ATM terminal ID.

deviceInfo.terminalLoc string Yes

Terminal location.

deviceInfo.acceptorId string Yes

Acceptor ID.

paymentInstrument.account.id string Yes

Account to debit. No card PAN required.

institution.id string Yes

Financial institution ID.

amount.amount number Yes

Withdrawal amount.

amount.currencyCode string Yes

ISO 4217 currency code.

json

{
  "head": {
    "acquirerId":  "10001",
    "description": "ATM Cardless QR Withdrawal"
  },
  "transaction": {
    "rrn":  "250603001090",
    "date": "20260603",
    "type": "CARDLESSWITHDRAWAL"
  },
  "deviceInfo": {
    "terminalId":  "ATM00001",
    "terminalLoc": "100 Main St, New York NY 10001",
    "acceptorId":  "ACCEPTOR000001"
  },
  "paymentInstrument": {
    "account": { "id": "DDA1234567890" }
  },
  "institution": { "id": "000100" },
  "amount": { "amount": 100, "currencyCode": "USD" }
}

balances[].type string

Balance type after withdrawal.

balances[].amount number

Updated balance.

status.responseCode string

"000" = approved and cash dispensed.

status.authId string

Authorization ID.

branch.* object

Branch ID, name, and address.

json — 200 OK

{
  "transaction": {
    "rrn":  "250603001090",
    "type": "CARDLESSWITHDRAWAL"
  },
  "paymentInstrument": {
    "account": { "id": "DDA1234567890" }
  },
  "institution": { "id": "000100" },
  "amount": { "amount": 100, "currencyCode": "USD" },
  "branch": {
    "id":      "BR-001",
    "name":    "Main Street Branch",
    "address": "100 Main Street, New York, NY 10001"
  },
  "balances": [
    { "type": "Available", "amount": 4721.50, "currencyCode": "USD" }
  ],
  "status": { "authId": "AUTH09", "responseCode": "000" }
}

Typical Use Case

Cardless withdrawal is used in mobile-initiated ATM cash pickup flows:

Mobile App — Initiate Request

The cardholder initiates a cash pickup in the mobile banking app, specifying the amount and selecting an account.

Mobile App — Generate Token / QR

The app generates a time-limited QR code or NFC token that encodes the withdrawal session details.

ATM — Scan and Submit

The cardholder scans the QR code at the ATM. The ATM switch calls POST /transactions/cardless with the account ID and amount — no card insertion required.

ATM — Dispense Cash

On receiving responseCode: "000", the ATM dispenses the requested cash amount.