Flow in use

Thats's how we oxygenated Karbon's money flow

semicircle
the Challenge

Growing businesses = Cash Crunch

Start-ups and early-stage companies are often faced with cash crunch due to the needs of a growing business. Finding the money to handle those expenses can sometimes be a grueling ordeal. Instant financing of costs was the need of those businesses.

the solution

Managing cash crunch = Karbon Corporate credit card

Karbon offered a corporate credit card that let Start-ups and early-stage companies to meet their expenses without damaging the cashflow. It offered them a credit line that made purchases and bill payments easier.

the outcome

Transactions - and counting...

No. of transactions

500 Thousand

amount transacted

5.2 Million

end point overview

Workings of YAP Credit

Here is how YAP Credit routes the transaction to its success

API Request

Run
                            
                                {
                                    "mti": "0200",
                                    "pan": "5088830000000037",
                                    "processingCode": "311000",
                                    "transactionAmount": "0000000000000",
                                    "settlementAmount": null,
                                    "cardHolderBillingAmount": null,
                                    "dateTimeTransaction": "0412183004",
                                    "settlementConversionRate": null,
                                    "cardholderBillingConversionRate": null,
                                    "stan": "247972",
                                    "rrn": "242772502272",
                                    "timeLocalTransaction": null,
                                    "dateLocalTransaction": "183008",
                                    "expiryDate": null,
                                    "settlementDate": null,
                                    "conversionDate":null,
                                    "mcc": "6011",
                                    "channel": null,
                                    "acquiringCountryCode": "356",
                                    "posEntryMode": "901",
                                    "cardSeqNumber": null,
                                    "pointOfServiceConditionCode": "00",
                                    "feesAmount": null,
                                    "acquiringInstitutionCode": "720397",
                                    "forwardingInstitutionCode": null,
                                    "authorizationIdResponse": null,
                                    "responseCode": null,
                                    "serviceConditionCode": "520",
                                    "cardAcceptorTerminalId": "TEST1234",
                                    "cardAcceptorId": "TEST12345678901",
                                    "cardAcceptorNameLocation": "M2PBANK KARTHICK TNIN",
                                    "additionalResponseData": null,
                                    "track1Data": null,
                                    "transactionCurrencyCode": "356",
                                    "settlementCurrencyCode": null,
                                    "cardholderBillingCurrencyCode": null,
                                    "additionalAmount": "9090356D000000001000",
                                    "chipData": null,
                                    "adviceReasonCode": null,
                                    "posDataCode": "5116615GA000000400051AddressAddressAddres",
                                    "privateData1BiometricData": null
                                }
                                
                            
what they say?

Before we chose YAP, we had evaluated quite a few options in the market. We found YAP to be most easy platform to connect. We wanted someone who can understand the start-up ecosystem and work at the same pace or even faster. So, partnering with YAP was a no-brainer as they understood our pace.

Pei-Fu Hsieh
CEO & Co-Founder, KARBON Card

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