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POST
/
cards
Create Card
curl --request POST \
  --url https://api.fyatu.com/api/v3/cards \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "cardholderId": "ch_1a2b3c4d5e6f7890abcdef1234567890",
  "name": "JAMES WILSON",
  "amount": 100,
  "productId": "MCWORLDUSD"
}
'
{
  "success": true,
  "status": 201,
  "message": "Card created successfully",
  "data": {
    "id": "crd_8f3a2b1c4d5e6f7890abcdef12345678",
    "cardholderId": "ch_1a2b3c4d5e6f7890abcdef1234567890",
    "name": "JAMES WILSON",
    "last4": "4829",
    "maskedNumber": "****4829",
    "expiryDate": "01/2030",
    "brand": "MASTERCARD",
    "currency": "USD",
    "status": "ACTIVE",
    "initialBalance": 100,
    "createdAt": "2026-01-17 10:00:00"
  },
  "meta": {
    "requestId": "req_a1b2c3d4e5f6",
    "timestamp": "2026-01-17T10:00:00+00:00"
  }
}

​
Overview

Issue a new virtual card to a cardholder. The cardholder must have verified KYC status and your business wallet must have sufficient balance for the card amount plus fees.

​
Prerequisites

  1. Verified Cardholder: The cardholder must exist and have status: ACTIVE
  2. Sufficient Balance: Wallet must cover: amount (in USD) + issuanceFee
  3. Active Application: Your app must be in ACTIVE status

​
Request Body

FieldTypeRequiredDescription
cardholderIdstringYesID of the cardholder to issue card to
amountnumberYesInitial funding amount in product currency (minimum $5 or €5)
namestringNoName on card (defaults to cardholder name)
productIdstringNoCard product to issue (from List Products). Defaults to MCWORLDUSD
spendingLimitintegerNoDeprecated — Use productId instead. Monthly spending limit: 5000 or 10000 (default: 5000)
Deprecation Notice: The spendingLimit field is deprecated and will be removed in a future version. Use productId to select the card product, which determines the spending limit, brand, and currency automatically. If both productId and spendingLimit are provided, productId takes precedence.

​
Example Usage

<?php
// Recommended: use productId
$data = [
    'cardholderId' => 'ch_1a2b3c4d5e6f7890abcdef1234567890',
    'amount' => 100.00,
    'name' => 'JAMES WILSON',
    'productId' => 'MCWORLDUSD'
];

$ch = curl_init('https://api.fyatu.com/api/v3/cards');
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST => true,
    CURLOPT_HTTPHEADER => [
        'Authorization: Bearer ' . $accessToken,
        'Content-Type: application/json'
    ],
    CURLOPT_POSTFIELDS => json_encode($data)
]);

$response = curl_exec($ch);
$result = json_decode($response, true);

if ($result['success']) {
    echo "Card created: " . $result['data']['id'] . "\n";
    echo "Brand: " . $result['data']['brand'] . "\n";
    echo "Currency: " . $result['data']['currency'] . "\n";
    echo "Balance: " . $result['data']['initialBalance'] . "\n";
}

​
EUR Card Example

When issuing a EUR-denominated card, the amount is specified in EUR. Your wallet (USD) is debited the equivalent in USD at the current exchange rate. 
const response = await fetch('https://api.fyatu.com/api/v3/cards', {
  method: 'POST',
  headers: {
    'Authorization': `Bearer ${accessToken}`,
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    cardholderId: 'ch_1a2b3c4d5e6f7890abcdef1234567890',
    amount: 100.00,        // €100 EUR
    productId: 'MCWORLDEUR'
  })
});

// Response:
// {
//   "data": {
//     "id": "crd_...",
//     "brand": "MASTERCARD",
//     "currency": "EUR",
//     "initialBalance": 100.00   // €100 on card
//   }
// }
// Wallet debited: ~$108.70 USD (100 / EUR rate) + issuance fee

​
Response Fields

FieldTypeDescription
idstringUnique card identifier
cardholderIdstringThe cardholder this card belongs to
namestringName printed on the card
last4string | nullLast 4 digits of the card number. null when status is PROCESSING
maskedNumberstring | nullMasked card number (e.g., ****4829). null when status is PROCESSING
expiryDatestring | nullCard expiration date (MM/YYYY). null when status is PROCESSING
brandstringCard brand: MASTERCARD or VISA
currencystringCard currency: USD or EUR
statusstringCard status: ACTIVE or PROCESSING (see below)
initialBalancenumberInitial funding amount in card currency
createdAtstringCard creation timestamp

​
Card Status on Creation

Some card products are created asynchronously. When this happens, the API returns immediately with status: PROCESSING and card details (last4, maskedNumber, expiryDate) will be null. Once the card is ready, a card.created webhook is sent with the full card details and status: ACTIVE. If creation fails, a card.failed webhook is sent and the held balance is released.
StatusMeaning
ACTIVECard is ready to use immediately
PROCESSINGCard is being created — listen for card.created or card.failed webhook
You can poll GET /cards/{cardId} to check the card status, but we strongly recommend using webhooks instead of polling.

​
Webhook Events

​
card.created

Sent when a PROCESSING card becomes active: 
{
  "event": "card.created",
  "data": {
    "cardId": "crd_a1b2c3...",
    "cardholderId": "CH-ABC123",
    "type": "VIRTUAL",
    "brand": "MASTERCARD",
    "currency": "USD",
    "last4": "4532",
    "status": "ACTIVE"
  }
}

​
card.failed

Sent when a PROCESSING card fails to be created. The held balance is automatically released. 
{
  "event": "card.failed",
  "data": {
    "cardId": "crd_a1b2c3...",
    "cardholderId": "CH-ABC123",
    "status": "FAILED",
    "reason": "Card provider creation failed"
  }
}

​
Error Responses

Error CodeDescription
APP_INACTIVEApplication is not active
CARDHOLDER_INACTIVECardholder is not active (KYC not verified)
INSUFFICIENT_BALANCEBusiness wallet balance is too low
PRODUCT_NOT_FOUNDInvalid or unavailable card product
RATE_UNAVAILABLEUnable to fetch exchange rate for EUR products
HOLD_FAILEDFailed to hold balance from business wallet
PROVIDER_NOT_CONFIGUREDCard provider account not configured
CARD_CREATION_FAILEDFailed to create card at the bank partner
CARDHOLDER_REGISTRATION_FAILEDFailed to register cardholder with card provider
CARDHOLDER_RESTRICTEDCardholder has been restricted by the card provider
BUSINESS_KYB_REQUIREDBusiness KYB verification incomplete
Use the List Products endpoint to discover available card products and their fees before creating a card.

Authorizations

​
Authorization
string
header
required

JWT access token obtained from /auth/token

Body

application/json
​
cardholderId
string
required

ID of the cardholder to issue card to

​
amount
number
required

Initial funding amount in product currency (minimum $5 or €5)

Required range: x >= 5
​
name
string

Name on card (defaults to cardholder name if not provided)

Minimum string length: 4
​
productId
string

Card product to issue (from List Products endpoint). Determines brand, currency, and spending limit. Defaults to MCWORLDUSD if not provided.

Example:

"MCWORLDUSD"

​
spendingLimit
enum<integer>
default:5000
deprecated

Deprecated — Use productId instead. Monthly spending limit in USD.

Available options:
5000,
10000

Response

Card created successfully

​
success
boolean
Example:

true

​
status
integer
​
message
string
​
data
object
​
meta
object