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POST
Submit a cardholder to a BIN

Overview

Registers a cardholder on one BIN. Verification is not held once for your account. The issuers behind different BINs each keep their own record of a cardholder and run their own check, so a cardholder verified for one BIN is unknown to the next and has to be registered there as well. This is why a cardholder can be issuable from one BIN of a programme and refused on its neighbour, and why the answer in programEligibility is given per BIN.

When to call this

Read the cardholder and look at programEligibility[].bins[]. A BIN you can act on carries canSubmit: true — typically one of: A BIN reading IN_REVIEW is already being looked at, and a VERIFIED one is done — neither carries canSubmit, and submitting to them does nothing you want. Registering the same identity twice on one BIN is refused by the issuer.
Your own verification comes first. A cardholder whose kycStatus is not APPROVED is refused here with 409 KYC_NOT_APPROVED — nothing is sent to a BIN for review until we have completed our own check, so that a decision made there means something.

Request Body

Response

The cardholder, with programEligibility recomputed — so one read tells you where every BIN now stands — plus a submission object for the BIN you named. A submission that reaches a reviewer usually comes back IN_REVIEW; the outcome arrives on the cardholder.updated webhook rather than on this response.

Example

Registering on every BIN that needs it

There is no “submit everywhere” call: each BIN is a separate registration and a separate review, and submitting to all of them when one is outstanding spends a review on each of the others. Walk the ones that are actually open:

Errors

Authorizations

Authorization
string
header
required

API key from the FYATU CaaS portal. Pass as Authorization: Bearer <key>.

Path Parameters

id
string
required

The cardholder ID (prefix chl_)

Body

application/json
binCode
string
required

The BIN to register this cardholder on, as given in programEligibility[].bins[].binCode.

Example:

"HK-MC-V-01"

Response

Submitted. The cardholder carries the recomputed eligibility, and submission says what this BIN did.

success
boolean
Example:

true

message
string
Example:

"Cardholder submitted"

data
object