Cardholders

A cardholder is an individual identity record in your card program. Each cardholder must be created and KYC-verified before cards can be issued to them. Cardholders are created programmatically via the V3.20 API — the portal provides oversight, filtering, and manual lifecycle controls.

Cardholder List

Navigate to Cardholders in the portal sidebar to see all cardholder records for the active environment. Use the filters to narrow results:

Filter	Options
Status	`ACTIVE`, `SUSPENDED`, `TERMINATED`
KYC Status	`PENDING`, `APPROVED`, `REJECTED`
Search	Name or email address

KYC Status

KYC (Know Your Customer) verification must be approved before a card can be issued to a cardholder.

Status	Description
Pending	Cardholder created, verification not yet started or in progress
Approved	Identity verified — cards can be issued
Rejected	Verification failed — review the rejection reason and update the cardholder record

KYC verification is handled externally by your platform. You submit cardholder identity data (name, DOB, address, nationality, and optionally a KYC document) when creating or updating the cardholder via the API.

Cardholder Detail

Click any cardholder in the list to view:

Identity — full name, email, phone, date of birth, nationality
Address — street address, city, state, postal code, country
Status & KYC — current lifecycle status and KYC verification result
Cards — all cards issued to this cardholder, with status and balance
External ID — your platform’s reference ID for this cardholder
Timeline — creation date and status change history

Cardholder Actions

Action	When Available	Description
Suspend	Status is `ACTIVE`	Temporarily blocks the cardholder from card activity. Cards linked to this cardholder are not automatically frozen.
Reactivate	Status is `SUSPENDED`	Restores the cardholder to `ACTIVE` status.
Terminate	Status is `ACTIVE` or `SUSPENDED`	Permanently closes the cardholder record. This action is irreversible.

Cardholder Data Fields

When creating a cardholder via the API, the following fields are accepted:

Field	Required	Description
`firstName`	Yes	Legal first name
`lastName`	Yes	Legal last name
`email`	Yes	Contact email
`phone`	Yes	Phone number in E.164 format
`dateOfBirth`	Yes	Date of birth (YYYY-MM-DD)
`nationality`	Yes	ISO 3166-1 alpha-2 country code
`address.address`	Yes	Street address
`address.city`	Yes	City
`address.country`	Yes	ISO 3166-1 alpha-2 country code
`address.state`	No	State or province
`address.postalCode`	No	Postal / ZIP code
`externalId`	No	Your platform’s reference ID for this cardholder
`kycDocument`	No	KYC document object (type, number, issuing country, document URLs)

See the Create Cardholder API reference for full schema details.

Overview

Features

Cardholder List

KYC Status

Cardholder Detail

Cardholder Actions

Cardholder Data Fields

​Cardholder List

​KYC Status

​Cardholder Detail

​Cardholder Actions

​Cardholder Data Fields

Cardholder List

KYC Status

Cardholder Detail

Cardholder Actions

Cardholder Data Fields