> ## 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.

# Card Products

> Each card is issued from a product that determines its brand, currency, spending limits, and features. Learn how to discover and select the right product.

# Card Products

Every card is issued from a **product** — a template that defines the card's brand, currency, spending limits, tokenization support, and available features. Use [List Products](/v3/api-reference/cards/products) to discover what's available for your business.

## Selecting a Product

Pass `productId` when [creating a card](/v3/api-reference/cards/create):

```javascript theme={null}
POST /cards
{
  "cardholderId": "CH1a2b3c4d5e6f",
  "amount": 100.00,
  "productId": "MCUSD1"   // specific product
}
```

If `productId` is omitted, the product marked `isDefault: true` is used automatically.

## Availability Flags

Each product exposes flags that indicate what's currently supported:

| Flag        | Description                                                                                                       |
| ----------- | ----------------------------------------------------------------------------------------------------------------- |
| `canIssue`  | Whether new cards can be created from this product. Only `canIssue: true` products are accepted at card creation. |
| `canFund`   | Whether cards of this product can receive funding.                                                                |
| `canUnload` | Whether cards of this product support unloading (withdrawing balance).                                            |
| `isDefault` | Fallback product used during card replacement when the original product is unavailable.                           |

<Note>
  **Replacement fallback**: when replacing a card, the system first tries to issue the same product. If that product has `canIssue: false`, the `isDefault: true` product is used instead. The card balance is transferred seamlessly regardless.
</Note>

## Spending Limits

Each product defines a `spendingLimit` and `spendingPeriod` that cap how much can be spent within a time window. For example, `spendingLimit: 25000` with `spendingPeriod: DAILY` allows up to \$25,000 in purchases per day.

Limits apply to purchase transactions only — funding and unloading are not affected.

## Multi-Currency

Cards are available in multiple currencies (USD, EUR). For non-USD cards, `amount` is specified in the card's currency and your USD wallet is debited the equivalent at the current exchange rate:

| Card Currency | Wallet Debit             | Card Balance  |
| ------------- | ------------------------ | ------------- |
| USD           | Direct (1:1)             | Amount in USD |
| EUR           | Converted at market rate | Amount in EUR |

## Endpoint

* `GET /cards/products` — [List available card products](/v3/api-reference/cards/products)