现在还没有相册
现在还没有记录
- 性别保密
- 生日
- 个人主页https://openbankingstudio.com/mashreq-biz.html
- 兴趣爱好============================
Mashreq Biz API Integration
UAE SME Banking Data Access via CBUAE Open Finance and AlTareq
============================
INTRODUCTION
--------------------
Mashreq Biz is Mashreq's dedicated mobile business-banking app for SMEs,
startups, and entrepreneurs operating in the United Arab Emirates. As the
CBUAE Open Finance Regulation (Circular 7 of 2023, updated by Circular 3
of 2025, in force from 10 July 2025) mandates participation from all
licensed financial institutions, Mashreq Biz now sits at the center of
a growing, regulated data-access landscape.
For fintech developers, ERP vendors, accounting platforms, and treasury
teams, integrating Mashreq Biz unlocks real-time access to AED-denominated
account balances, transaction history, pending payment queues, bill payment
records, and international transfer data — all through authorized channels.
OpenBanking Studio delivers this integration as runnable source code or a
pay-per-call hosted endpoint, covering the AlTareq / Nebras regulated path
and the authorized interface route in a single stable API your platform
calls without needing to manage either channel directly.
============================
SUPPORTED API FEATURES
--------------------
The following capabilities are available through a Mashreq Biz integration
delivered by OpenBanking Studio under the CBUAE Open Finance framework:
• Account balance retrieval across AED and foreign-currency accounts
with both ledger and available balance fields normalized per account
• Transaction history and statement extraction including MT940-format
corporate statements, posted transactions, value dates, narratives,
and FX rates on international transfers
• Transaction Queue access for corporate accounts with multi-signatory
approval workflows — per pending instruction: initiator, amount,
beneficiary, and current approver state
• Money transfer data capture for intra-Mashreq, domestic UAE, and
international transfers with special FX deal rates captured as a
discrete field at time of transfer initiation
• Bill payment records for UAE billers including Etisalat, Du, DEWA,
SEWA, ADDC, Salik, and Naqodi Wallet, plus credit card bill payments,
normalized with biller code, reference, amount, and status
• Debit card lifecycle state and Cardless Cash flow data for field cash
disbursement and petty cash management workflows
• Service request status mirroring: cheque-book requests, statement
downloads, and profile update states surfaced through one schema
• Dual-route delivery combining the CBUAE-licensed TPP path through
Nebras Open Finance LLC where in scope, with the authorized interface
route for any data not yet live on the AlTareq journey
============================
USE CASES & APPLICATIONS
--------------------
[1] ACCOUNTING PLATFORM INTEGRATION
------------
• Daily Mashreq Biz statement sync into Xero, Zoho Books, or
QuickBooks MENA edition in normalized form
• FX rate captured per international transfer so downstream
accounting does not back-derive it from amounts
• Reconciliation of UAE utility and telecom bill payments into
accounts payable ledgers automatically
• MT940 statement parsing for SAP, Oracle, and legacy ERP systems
that require structured bank file input
[2] TREASURY AND MULTI-BANK DASHBOARD
------------
• Mashreq Biz AED balances surfaced alongside Wio Business,
First Abu Dhabi Bank, and other UAE bank balances on one view
• Real-time cashflow widgets fed by normalized account data without
manual export or CSV import steps
• FX position tracking per currency pair from international transfer
records with deal rates preserved
• Multi-entity SME groups with accounts at several UAE banks
consolidated through a single integration layer
[3] APPROVAL WORKFLOW AND AP AUTOMATION
------------
• Transaction Queue monitoring for corporate accounts requiring
dual-signatory approval before payment release
• Slack-style approver notifications triggered when a payment
enters the Mashreq Biz queue awaiting sign-off
• Dual-control compliance dashboards that read queue state
mid-flow, not only at terminal payment status
• Automated accounts payable matching for UAE utility spend
using biller codes and reference numbers from Bill Pay records
[4] AUDIT AND COMPLIANCE WORKFLOWS
------------
• On-demand pull of 13 months of Mashreq Biz statements for audit
preparation, reconciled against ERP postings in one pass
• Consent records, data-retention defaults, log and redaction
setup included in the compliance package delivered with the build
• Scoped consent per data type — a balance widget does not receive
transfer-initiation scope under the integration design
• Full regulatory alignment under CBUAE Open Finance and UAE Federal
Personal Data Protection Law (Federal Decree-Law No. 45 of 2021)
[5] FIELD CASH DISBURSEMENT AND CARD OPERATIONS
------------
• Mashreq Biz Cardless Cash flow integration allowing authorized
engineers to draw a fixed amount from any Mashreq ATM
• Disbursement automatically booked to the correct cost centre
through the integration without manual journal entry
• Debit card state monitoring for finance teams managing multiple
issued cards across a UAE business entity
• One-time code, amount, expiry, and ATM data normalized for
petty cash workflow systems and field finance tools
============================
BENEFITS & ADVANTAGES
--------------------
✓ Regulatory alignment from day one — the integration is built against
the CBUAE Open Finance Framework and the AlTareq / Nebras journey,
meaning every data pull has a regulator-recognized consent path
✓ Single stable schema regardless of which underlying route serves each
call — your platform never needs to distinguish between the AlTareq
channel and the authorized interface, both responses share one shape
✓ Push-to-PIN authentication handled inside the integration design —
Mashreq Biz uses in-app push-to-Security-PIN rather than SMS OTPs,
and the build is designed around this, not against it
✓ Transaction Queue modeled as a first-class object — corporate accounts
with dual-signatory approval rules are fully supported, with queue
state readable mid-flow rather than only at terminal payment status
✓ FX deal rates preserved at transfer time — Mashreq Biz's international
transfer FX rates are captured as a discrete field so accounting systems
always have the rate that was actually applied
✓ Drift detection on a clock, not a ticket — a scheduled session smoke
suite runs against the live app on an ongoing basis so shape changes
in Mashreq Biz surface before any downstream breakage occurs
✓ Pay-after-delivery pricing and a hosted API option — the source-code
delivery is paid after you are satisfied; a pay-per-call hosted
endpoint removes the need to maintain the integration in-house
============================
SUBSCRIPTION PLANS
--------------------
Mashreq Biz integration is available through two engagement models:
Source-Code Delivery
------------
Starting from $300 USD, paid after delivery once the integration
is confirmed working to your satisfaction. A typical first build
covers authentication, account balances, normalized statements,
Transaction Queue read, and one transfer or bill-pay flow.
Delivery cycle: 1–2 weeks for a first cut. Includes runnable
source (Python and/or Node), OpenAPI 3.1 spec, protocol and
auth-flow report, automated tests, compliance package, and
interface documentation.
Pay-Per-Call Hosted Endpoint
------------
No upfront fee. Call the OpenBanking Studio API and pay per
request. Suitable for platforms that prefer not to host or
maintain the integration in-house. The same scope and data
quality as the source-code delivery, served as a managed
endpoint with the same response schema.
Both options include the compliance package covering consent records,
data-retention defaults, log and redaction configuration, and data-
minimisation notes for your legal review. NDA coverage for traffic
capture is available and standard on request.
============================
CONCLUSION
--------------------
Mashreq Biz sits inside a UAE banking market that has moved from
"Open Finance is coming" to a live regulated channel in the past year.
The CBUAE's AlTareq programme through Nebras Open Finance LLC is the
consent journey a Mashreq Biz business customer will see when a licensed
third party requests their data — and OpenBanking Studio builds every
Mashreq Biz integration to ride that channel first, with the authorized
interface route covering anything the AlTareq scope has not yet reached.
Whether the goal is daily statement sync into an accounting platform,
real-time balance feeds for a treasury dashboard, dual-signatory approval
workflow automation, or audit-grade 13-month statement extraction, the
integration is designed around the real authentication model Mashreq Biz
uses — push-to-PIN on a registered device — rather than paper over it.
To start a Mashreq Biz integration, send the data scope you need to the
OpenBanking Studio contact page. A written scope comes back before any
build work begins.
--------------------
Access the full integration brief and contact details at:
https://openbankingstudio.com/mashreq-biz.html
© 2026 OpenBanking Studio · authorized app interface work, one app at a time
Mashreq, Mashreq Biz, NEOBiz, Nebras, and AlTareq are referenced as the
integration target and the relevant regulatory framework only; OpenBanking
Studio is not affiliated with Mashreq or the CBUAE.
============================
------ị
last updateTime: 2026-06-05 00:45:25b
现在还没有动态
现在还没有日志