Universal Reload API (POB)

Universal Reload (Formerly Point of Banking)

Deposits cash to any valid US debit card. Unlike the standard Reload endpoint, Universal Reload supports cards outside the Green Dot program and requires additional customer identity fields for compliance purposes.

The typical integration flow is:

Get Card Details - Validate the card and retrieve fee/limit information before presenting the transaction to the customer.
Universal Reload - Commit a cash deposit to any valid US debit card (requires additional customer identity fields).

Note: Every request must include a unique X-GD-RequestId header value.

Get Card Details

Validates a cash deposit to a prepaid or debit card prior to initiating the transaction. Returns fee, limit, and card type information to display to the customer before proceeding.

Syntax:

POST {baseUrl}/card/details

Request

POST {baseUrl}/card/details
Authorization: Bearer {access_token}
Content-Type: application/json
X-GD-RequestId: req-20260115-crd001

{
  "metadata": {
    "storeId": "STORE-0042",
    "merchantId": "MRC-20001",
    "registerId": "REG-01",
    "userId": "[email protected]",
    "requestDateTime": "2026-01-15T12:00:00Z"
  },
  "accountNumber": "4111111111111234",
  "transactionAmount": "100.00",
  "paymentProgramType": "Regular"
}

Request Parameters

Parameter	Required	Type	Pattern	Description
`X-GD-RequestId`	Yes	String	Max: 50	Unique transaction identifier generated by the retailer. Passed as HTTP header.
`requestDateTime`	Yes	DateTime	`YYYY-MM-DDTHH:MM:SSZ`	UTC timestamp of the transaction.
`storeId`	Yes	String	Max: 20	Store number for the location where the transaction occurred.
`merchantId`	Yes	String	Max: 20	Unique merchant ID assigned by Green Dot.
`registerId`	No	String	Max: 20	Register identifier at the store.
`userId`	No	String	Max: 50	Unique ID of the user performing the transaction.
`accountNumber`	Yes	String	16-digit PAN	Card account number (PAN).
`transactionAmount`	Yes	Decimal	e.g. `100.00`	Amount of cash to be deposited. Must be greater than zero.
`paymentProgramType`	Yes	Enum	`Regular`, `CheckCashing`	Payment option selected by the customer. Use `CheckCashing` when the customer is paying with a check.

Response

Successful Response

HTTP/1.1 200 OK
X-GD-ResponseId: b7c8d9e0-f1a2-3456-bcde-789012345abc

{
  "requestId": "req-20260115-crd001",
  "responseId": "b7c8d9e0-f1a2-3456-bcde-789012345abc",
  "responseCode": 0,
  "responseDescription": "Success",
  "responseDateTime": "2026-01-15T12:00:07.9632687Z",
  "reloadFee": "3.95",
  "merchantFee": "2.00",
  "maxAllowedAmount": "9500.00",
  "minAllowedAmount": "20.00",
  "availableBalance": "150.00",
  "cardType": "Normal"
}

Error Response Example

HTTP/1.1 200 OK
X-GD-ResponseId: c8d9e0f1-a2b3-4567-cdef-890123456bcd

{
  "requestId": "req-20260115-crd001",
  "responseId": "c8d9e0f1-a2b3-4567-cdef-890123456bcd",
  "responseCode": 110,
  "responseDescription": "Account Not Found.",
  "responseDateTime": "2026-01-15T12:00:08.8784305Z"
}

Response Parameters

Parameter	Required	Type	Pattern	Description
`requestId`	Yes	String	Max: 50	Echo of the `X-GD-RequestId` from the request header.
`responseId`	Yes	String	UUID	Unique response identifier generated by Green Dot.
`responseCode`	Yes	Numeric	0–1000	Success/failure code. See Response Codes.
`responseDescription`	Yes	String	Max: 255	Human-readable description of the response code.
`responseDateTime`	Yes	DateTime	YYYY-MM-DDTHH:mm:ss.fffffffZ	UTC timestamp of the response.
`reloadFee`	Yes	Decimal	e.g. `"3.95"`	Fee charged to the customer for this transaction. Returned when all validations except load limits pass.
`merchantFee`	Yes	Decimal	e.g. `"2.00"`	Fee credited to the merchant for this transaction. Returned when all validations except load limits pass.
`maxAllowedAmount`	Yes	String	e.g. `"9500.00"`	Maximum amount allowed for this reload based on load limit rules. Returned when load limit check is applicable.
`minAllowedAmount`	Yes	String	e.g. `"20.00"`	Minimum amount allowed for this reload based on load limit rules. Returned when load limit check is applicable.
`availableBalance`	No	String	e.g. `"150.00"`	Available balance on the card's main account purse. Returned only for cards issued under the requesting partner's program.
`cardType`	Yes	Enum	`Normal`, `PointofBanking`	Card type classification. Values: `Normal`, `PointofBanking`. Returned when validations pass.

Response Codes

Code	Code Text	Response Description	Explanation
0	Success	Success	Request processed successfully.
100	InvalidParameter	(See description)	Invalid parameter in the request. Examples: MerchantId not supplied, StoreId not supplied.
110	InvalidAccount	(See description)	Account not found, account status is not valid, or account is not reloadable for the current partner.
130	InvalidMerchant	Invalid Merchant	MerchantId not found or not enabled.
600	UnableToProcessRequest	—	Unable to process due to fee split not configured or downstream error.
700	LoadLimitValidationFailed	(See description)	Transaction amount does not pass load limit validation.
800	InvalidStore	Store was not found	Store not found, not associated with this partner, or does not support this operation.
801	StoreBlocked	The store is blocked	Store blocked by Green Dot store blocker rules.
999	RequestTimeout	Request Timeout	Request expired or no response received from downstream service.
1000	GeneralFailure	General Failure	Service failure.

Universal Reload

Syntax:

POST {baseUrl}/pointofbanking/payment

Request

POST {baseUrl}/pointofbanking/payment
Authorization: Bearer {access_token}
Content-Type: application/json
X-GD-RequestId: req-20260115-pob001

{
  "metadata": {
    "storeId": "STORE-0042",
    "merchantId": "MRC-20001",
    "registerId": "REG-01",
    "userId": "[email protected]",
    "requestDateTime": "2026-01-15T12:00:00Z"
  },
  "accountNumber": "4111111111111234",
  "transactionAmount": "200.00",
  "paymentProgramType": "Regular",
  "customerFirstName": "Jane",
  "customerLastName": "Smith",
  "customerZipcode": "90210",
  "cardExpirationDate": "2612"
}

Request Parameters

Parameter	Required	Type	Pattern	Description
`X-GD-RequestId`	Yes	String	Max: 50	Unique transaction identifier generated by the retailer. Passed as HTTP header.
`requestDateTime`	Yes	DateTime	`YYYY-MM-DDTHH:MM:SSZ`	UTC timestamp of the transaction.
`storeId`	Yes	String	Max: 20	Store number for the location where the transaction occurred.
`merchantId`	Yes	String	Max: 20	Unique merchant ID assigned by Green Dot.
`registerId`	No	String	Max: 20	Register identifier at the store.
`userId`	No	String	Max: 50	Unique ID of the user performing the transaction.
`accountNumber`	Yes	String	16-digit PAN	Card account number (PAN).
`transactionAmount`	Yes	Decimal	e.g. `200.00`	Amount of cash to be deposited. Must be greater than zero.
`paymentProgramType`	Yes	Enum	`Regular`, `CheckCashing`	Payment option selected by the customer. Use `CheckCashing` when the customer is paying with a check.
`customerFirstName`	Yes	String	Max: 25	Customer's first name.
`customerLastName`	Yes	String	Max: 25	Customer's last name.
`customerZipcode`	Yes	String	Max: 5	Customer's ZIP code.
`cardExpirationDate`	Yes	String	`yyMM`	Card expiration date in `yyMM` format (e.g., `2612` for December 2026).

Response

Successful Response

HTTP/1.1 200 OK
X-GD-ResponseId: f1a2b3c4-d5e6-7890-fabc-123456789e0f

{
  "requestId": "req-20260115-pob001",
  "responseId": "f1a2b3c4-d5e6-7890-fabc-123456789e0f",
  "responseCode": 0,
  "responseDescription": "Success",
  "responseDateTime": "2026-01-15T12:00:10.2543261Z",
  "externalReferenceID": "ref-00098765432",
  "receiptText": "Keep your receipt as proof of your deposit. Check with your card provider for your updated account balance. Stores cannot provide refunds or exchanges."
}

Response Parameters

Parameter	Required	Type	Pattern	Description
`requestId`	Yes	String	Max: 50	Echo of the `X-GD-RequestId` from the request header.
`responseId`	Yes	String	UUID	Unique response identifier generated by Green Dot.
`responseCode`	Yes	Numeric	0–1000	Success/failure code. See Response Codes.
`responseDescription`	Yes	String	Max: 255	Human-readable description of the response code.
`responseDateTime`	Yes	DateTime	YYYY-MM-DDTHH:mm:ss.fffffffZ	UTC timestamp of the response.
`externalReferenceID`	Yes	String	Max: 50	External reference ID for the Point of Banking Payment. Returned on successful transactions.
`receiptText`	No	String	Max: 1000	Receipt text to display or print for the customer.

Response Codes

Code	Code Text	Response Description	Explanation
0	Success	Success	Point of Banking Payment processed successfully.
100	InvalidParameter	(See description)	Invalid parameter in the request. Examples: AccountNumber required, MerchantId required.
110	InvalidAccount	(See description)	Account not found, status not valid, or account not reloadable for this partner.
130	InvalidMerchant	Invalid Merchant	MerchantId not found or not enabled.
460	OperationNotAllowed	(See description)	Operation is not permitted for this card or request type.
600	UnableToProcessRequest	(See description)	Unable to process due to duplicate transaction or downstream error.
700	LoadLimitValidationFailed	(See description)	Per-transaction, account balance, or daily reload limit reached.
800	InvalidStore	(See description)	Store not found, not associated with this partner, or does not support this operation.
801	StoreBlocked	The store is blocked	Store blocked by store blocker rules.
842	TransactionAlreadyVoided	Transaction was already voided	A void was received before the payment completed.
999	RequestTimeout	Request Timeout	Request expired or no downstream response received.
1000	GeneralFailure	GeneralFailure	Service failure.

Updated 1 day ago

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