PIN and no-PIN payments

Physical cards require a PIN for transaction authentication. UQPAY also supports configurable PIN-free thresholds so cardholders can make low-value purchases without entering a PIN.

PIN settings apply to physical cards only. Virtual cards do not use PINs.

Set PIN at activation

A PIN is mandatory when activating a physical card. Include the pin field in the Activate Card request:

curl -X POST https://api-sandbox.uqpaytech.com/api/v1/issuing/cards/activate \
  -H "x-auth-token: YOUR_API_TOKEN" \
  -H "x-idempotency-key: $(uuidgen | tr '[:upper:]' '[:lower:]')" \
  -H "Content-Type: application/json" \
  -d '{
    "card_id": "b2c1b725-d8f1-4fbb-88a1-41bf9ffc8ead",
    "activation_code": "81534005",
    "pin": "123456"
  }'

Reset PIN

Use the Reset Card PIN endpoint to change a card’s PIN:

curl -X POST https://api-sandbox.uqpaytech.com/api/v1/issuing/cards/pin \
  -H "x-auth-token: YOUR_API_TOKEN" \
  -H "x-idempotency-key: $(uuidgen | tr '[:upper:]' '[:lower:]')" \
  -H "Content-Type: application/json" \
  -d '{
    "card_id": "b2c1b725-d8f1-4fbb-88a1-41bf9ffc8ead",
    "pin": "567890"
  }'

No-PIN payment threshold

The no_pin_payment_amount parameter sets a transaction amount below which PIN entry is not required. This improves the checkout experience for small, frequent purchases — especially in contactless payment scenarios.

Default behavior

Condition	Behavior
`no_pin_payment_amount` not set	Transactions up to 200 SGD proceed without PIN
`no_pin_payment_amount` set to `0`	All transactions require PIN
`no_pin_payment_amount` set to a value	Transactions up to that amount proceed without PIN

For cards issued in USD, the default threshold corresponds to the USD equivalent of 200 SGD at the prevailing exchange rate.

Supported ranges

Currency	Range
USD	0 – 2,000
SGD	0 – 2,600

Supported BINs

Environment	BINs
Production	`49372410`, `49372408`, `49372434`, `45659910`
Sandbox	`40963608`

Configure the threshold

Set no_pin_payment_amount during card update:

curl -X POST https://api-sandbox.uqpaytech.com/api/v1/issuing/cards/{card_id} \
  -H "x-auth-token: YOUR_API_TOKEN" \
  -H "x-idempotency-key: $(uuidgen | tr '[:upper:]' '[:lower:]')" \
  -H "Content-Type: application/json" \
  -d '{
    "no_pin_payment_amount": 500
  }'

Transaction decision logic

The authorization result depends on three factors: whether the card has a PIN, whether a custom no-PIN limit is configured, and the transaction amount.

Has PIN	No-PIN limit configured	Transaction amount	Result
Yes	No	≤ 200 SGD	Approved without PIN (or with correct PIN). Incorrect PIN is declined.
Yes	No	> 200 SGD	PIN required. Incorrect or missing PIN is declined.
Yes	Yes (e.g., 500 SGD)	≤ custom limit	Approved without PIN (or with correct PIN). Incorrect PIN is declined.
Yes	Yes (e.g., 500 SGD)	> custom limit	PIN required. Incorrect or missing PIN is declined.

If a card has no PIN set and no PIN-free limit configured, high-value transactions will fail due to missing authentication credentials. Always set a PIN during card activation.

Getting Started

Cardholders

Cards

Funding

Controls & Security

Integration

Reference

Set PIN at activation

Reset PIN

No-PIN payment threshold

Default behavior

Supported ranges

Supported BINs

Configure the threshold

Transaction decision logic

​Set PIN at activation

​Reset PIN

​No-PIN payment threshold

​Default behavior

​Supported ranges

​Supported BINs

​Configure the threshold

​Transaction decision logic

​Related

Set PIN at activation

Reset PIN

No-PIN payment threshold

Default behavior

Supported ranges

Supported BINs

Configure the threshold

Transaction decision logic

Related