Card and Card Holder

We will provide a sample to go through the card creation and cardholder creation, after that, we will associate a card with the cardholder. When the cardholder receives the physical card, they can activate the card.

Card

You can create virtual and physical cards on Mastercard or Visa (or both) with the Cards API. Cardholders can use virtual cards instantly after you create them.

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Card Type
Creating a physical card requires a shipping address, the printed physical card will ship to the address to activate

Card status

Status	Status Code	Description
Active	0	A card that is used to spend and perform transactions as allowed by the issuer.
Inactive	1	A card that is not used.
Cancelled	3	A card that is cancelled by the issuer. It cannot be used for transactions such as authorization or balance enquiry. This card cannot be restored to Normal status.
Replaced	4	In a card life cycle, some cards need to be replaced for numerous reasons. The issuing platform allows replacement based on a replacement reason, which is used to manage the replacement process.
Lost	5	A card that is marked as lost by the issuer as per the cardholder’s request.
Stolen	6	A card that is marked as stolen by the issuer as per the cardholder’s request.
Returned	7	A card for which the delivery was attempted to the cardholder but was returned to the issuer due to non-delivery. This could be based on the Return to Office (RTO) file received from the courier vendor to the bank.
Expired	8	A card that is past the expiry date.
Blocked	9	A card that is blocked by the issuer for further transactions. A card block can be temporary or permanent.
Damaged Card	10	A card that is damaged and cannot be used for transactions.
Replaced-Inactive	11	A card that is replaced but not yet activated by the cardholder.
Renewed-Inactive	12	A card that is renewed by the bank but not yet activated by the cardholder.
Card Dispatched	13	A card that is dispatched through courier to the cardholder but is not yet received.

API Endpoint

The create new card API endpoint is:

http://api-dev.accelerationcloud.com/api/v1/cores/card-issue/cards

HTTP Method

Use the HTTP POST method to initiate a new card program.

Request Headers

Include the following headers in your API request:

Authorization: Provide your API key/token for authentication.
Content-Type: Set this to application/json to indicate the request body format.

Request Body

The request body should be a JSON object with the following fields:

token_pan: The tokenization number of the Primary Account Number.
expiration_date: Card expiration date.
mailing_name: A description of the target audience for the card program.
mailing_address: The mailing address that receives the card.
phone: The phone number that receives the shipping update.
program_id: The card program id that needs to be associated with the card.
card_type: It is either virtual or physical of the card.

Example request body:

{
  "token_pan": "7654321987654321",
  "expiration_date": "01/2025",
  "mailing_name": "Burger Joint",
  "mailing_address": "107 Oak Street",
  "mailling_city": "Lawton",
  "mailing_state": "IA",
  "mailing_zipcode": "50222",
  "phone": "5559998888",
  "program_id":"ax7399scx9",
  "card_type":"Physical",
  "card_holder_id":"00x739221"
}

Response Format

The response will be in JSON format and will include information about the cancellation request status.

Example response:

{
  "status": "pending",
  "id":"a365x00627112",
  "create_date":"",
  "customer_type": "INDIVIDUAL",
  "expiration_date": "01/2025",
  "mailing_name": "Burger Joint",
  "mailing_address": "107 Oak Street",
  "mailling_city": "Lawton",
  "mailing_state": "IA",
  "mailing_zipcode": "50222",
  "phone": "5559998888",
  "program_id":"ax7399scx9",
  "card_type":"Physical"
}

After creating an inactive card, the card can be activated using the Dashboard or the API.

Card Holder

The Cardholder object represents an individual or business entity to which you can issue cards. Create a Cardholder with a name to display on cards and the billing address, which is often requested when the cardholder makes online purchases and is usually the business address of the connected account or your platform.

When you create a cardholder or update it later, you can include additional information such as a phone_number or email, which are required for some features like digital wallets.

API Endpoint

The create new cardholder API endpoint is:

http://api-dev.accelerationcloud.com/api/v1/cores/card-issue/card-holders

HTTP Method

Use the HTTP POST method to initiate a new card program.

Request Headers

Include the following headers in your API request:

Authorization: Provide your API key/token for authentication.
Content-Type: Set this to application/json to indicate the request body format.

Request Body

The request body should be a JSON object with the following fields:

last_name: The tokenization number of the Primary Account Number.
first_name: Card expiration date.
birth_date: A description of the target audience for the card program.
mailing_address: The mailing address that receives the card.
phone: The phone number that receives the shipping update.
type: The card program id that needs to be associated with the card.

Example request body:

{
  "last_name": "Burger",
  "first_name": "Joint",
  "birth_date": "01/14/1995",
  "mailing_address": "107 Oak Street",
  "mailling_city": "Lawton",
  "mailing_state": "IA",
  "mailing_zipcode": "50222",
  "phone": "5559998888",
  "type":"Individual"
}