Documentation Index
Fetch the complete documentation index at: https://docs.fyatu.com/llms.txt
Use this file to discover all available pages before exploring further.
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.| Feature | Standard | Tokenized |
|---|---|---|
| Issuance | Instant | Instant |
| Initial status | Active | Active |
| Networks | Mastercard, Visa | Visa |
| Apple Pay / Google Pay | No | Yes |
| 3D Secure | Yes | Yes |
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.| Feature | Plastic | Metal |
|---|---|---|
| Delivery | 7–14 business days | 7–14 business days |
| Initial status | Inactive (requires activation) | Inactive (requires activation) |
| Contactless | Yes | Yes |
| ATM | Yes | Yes |
Crypto Cards (Coming Soon)
Cards funded directly from cryptocurrency balances with automatic conversion.Card Lifecycle
Card Statuses
| Status | Description | Can Transact | Can Fund |
|---|---|---|---|
INACTIVE | Issued but not yet activated (physical only) | No | No |
ACTIVE | Usable for all transactions | Yes | Yes |
FROZEN | Temporarily disabled by cardholder or business | No | Yes |
SUSPENDED | Disabled by system (fraud, compliance, or decline limit) | No | Yes* |
TERMINATED | Permanently closed — cannot be reactivated | No | No |
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
| Action | From | To |
|---|---|---|
| Create virtual card | — | ACTIVE |
| Create physical card | — | INACTIVE |
| Activate with code | INACTIVE | ACTIVE |
| Freeze | ACTIVE | FROZEN |
| Unfreeze | FROZEN | ACTIVE |
| Fund card (resets decline count) | SUSPENDED (decline) | ACTIVE |
| System detects fraud / compliance issue | ACTIVE / FROZEN | SUSPENDED |
| 15 insufficient funds declines | ACTIVE | SUSPENDED |
| Support resolves suspension | SUSPENDED | ACTIVE |
| Revoke / Delete / Lost / Stolen / Expired | Any non-terminated | TERMINATED |
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