Cards Overview
A card represents a set of payment identifiers: the PAN (16-digit number), expiry date, and CVV. When a card is terminated and a replacement is issued, an entirely new card is created with a new ID, CVV, and expiry — old cards remain in your history as terminated.Card Types
Virtual Cards
Digital cards for online transactions. Issued instantly and active by default.Tokenized cards support provisioning to digital wallets (Apple Pay, Google Pay) for contactless in-store payments. Use List Products to see which products have
isTokenized: true.Physical Cards (Coming Soon)
Plastic or metal cards shipped to the cardholder’s address. Inactive by default — require activation with a code before use.Crypto Cards (Coming Soon)
Cards funded directly from cryptocurrency balances with automatic conversion.Card Lifecycle
Card Statuses
FROZEN vs SUSPENDED: A
FROZEN card is disabled by you and can be unfrozen via API. A SUSPENDED card is disabled by the system and requires either funding (for decline suspensions) or support intervention to resolve.Status Transitions
Decline Count & Auto-Suspension
Cards track consecutive declined transactions due to insufficient funds:- Limit: 15 consecutive insufficient funds declines triggers automatic suspension
- Reset: funding the card resets the decline count and reactivates the card (if suspended due to declines only)
- Prevention: monitor
declineCountin the card details response to warn cardholders before suspension