The card management provides a suite of lifecycle actions and APIs for both debit and prepaid cards, ensuring you can instantly take action for real-world events like lost cards, card damage, or fraud.

Card Lifecycle

The CARD lifecycle defines a card's journey from initiation to activation to termination. Each status serves a critical role in maintaining the security of the funds and the usability of the card. By transitioning through these states, the system ensures that cards are only usable when in the hands of the verified owner and provides mechanisms to mitigate risk in case of loss or theft.

Issuance PENDING → SHIPPED The card is created and enters the inactive physical lifecycle.

Activation: SHIPPED → ACTIVE Proceeds through ACTIVATION_INITIATED to enable transactions.

Maintenance: ACTIVE ↔ FREEZED A temporary state managed via FREEZE_INITIATED and UNFREEZE_INITIATED.

Termination: ACTIVE → CANCELLED A permanent state. After CANCELLATION_INITIATED, the card is fully blocked.

Phase	Status	Description
Issuance & Activation	`PENDING`	Card is created in the system but remains inactive.
Issuance & Activation	`SHIPPED`	Physical card is in transit and cannot be used, preventing fraud if intercepted.
Issuance & Activation	`ACTIVATION_INITIATED`	Transition state triggered when the customer begins activation.
Issuance & Activation	`ACTIVE`	Card is fully functional for all transaction types (POS, ATM, Online).
Security & Temporary Suspension	`FREEZE_INITIATED` / `FREEZED`	Card is temporarily paused; all transactions are declined.
Security & Temporary Suspension	`UNFREEZE_INITIATED`	Request to restore the card to `ACTIVE` status without changing details.
Terminal States	`CANCELLATION_INITIATED`	System is processing a request to permanently shut down the card.
Terminal States	`CANCELLED` (Blocked)	Terminal state; card is permanently deactivated and cannot be reactivated.

Card Management Actions (Debit & Prepaid)

Through the Unified API, you can perform several state-management operations for both card types:

Freeze a Card:

A "soft lock" that temporarily pauses authorization requests if a card is misplaced or flagged for unusual velocity, protecting the underlying balance without closing the account. You can use the POST /v1/customer/id/{customer_id}/issuance/card/id/{card_id}/suspendincase you wish to freeze a Card. You will be required to add the reason and the freezeTill date until which you wish to freeze your account.

Unfreeze Card:

Reactivates a frozen card, restoring its status to ACTIVE if a lost card is found or a flagged transaction is verified as legitimate. Using thePOST /v1/customer/id/{customer_id}/issuance/card/id/{card_id}/unfreezeyou can unfreeze your card.

Terminate a Card:

A terminal, irreversible action that permanently invalidates the card's Primary Account Number (PAN) when an employee leaves, a budget expires, or the card is permanently compromised. For Prepaid programs, remaining funds must be unloaded first. Using thePOST /v1/customer/id/{customer_id}/issuance/card/id/{card_id}/cancel (or "Cancel Prepaid Card" API).

Block & Replace Card

Blocks the existing card and automatically triggers the issuance and shipment of a replacement card with a new PAN, CVV, and expiry date if the original is lost, stolen, or damaged. Using the POST /v1/customer/id/{customer_id}/issuance/card/id/{card_id}/replace endpoint you can replace a card.

Retrieve Digital Card Image: Securely displays the sensitive card image in the user's browser using a JavaScript SDK, reducing PCI compliance scope.
Transaction Activity: Tracks all card activity, including spending, authorizations, captures, reversals, and load/unload events, to monitor the true available balance.