The following scenarios show end-to-end card issuance flows for each supported cardholder type, card type, and delivery format. Each scenario includes a flow diagram, prerequisites, and a complete example request.

Card issuance scenarios are grouped by customer type:

Individual Customer — debit cards linked to the customer's own account (the customer is the cardholder).
Business Customer — debit or prepaid cards issued to an Authorized User or a Beneficial Owner under the business.

Individual Customer

Scenario 1: Issue Debit Card (Digital) — Individual

Use this scenario to issue a virtual debit card to an Individual customer. Digital cards are available instantly and can be used for online purchases and mobile wallet payments.

Flow

flowchart LR
    A(["👤 Individual Customer<br/><b>KYC Verified</b>"]) --> B(["🏦 Account<br/><b>ACTIVE</b>"])
    B --> C(["📋 Card Program<br/><b>DEBIT</b>"])
    C --> D(["💳 Issue Digital Card<br/><b>issuanceType: DIGITAL</b>"])
    D --> E(["✅ Card Ready<br/><b>Instant</b>"])
    style A fill:#E8F4FD,stroke:#1976D2,stroke-width:2px
    style B fill:#FFF3E0,stroke:#F57C00,stroke-width:2px
    style C fill:#F3E5F5,stroke:#7B1FA2,stroke-width:2px
    style D fill:#E1F5FE,stroke:#0288D1,stroke-width:2px
    style E fill:#E8F5E9,stroke:#388E3C,stroke-width:2px

Prerequisites

Customer is INDIVIDUAL type and has passed KYC/CIP verification.

Account linked to the card is ACTIVE.

Card Program is configured — retrieve via POST /v1/issuance/cardProgram/list.

Customer has a mailing address on file (address.id).

No cardholder object is required — for Individual customers, the customer is automatically the cardholder.

Example Request

{
  "shippingDetail": {
    "address": {
      "id": 1045579
    },
    "expressDelivery": "false"
  },
  "account": {
    "id": 4011856
  },
  "type": "DEBIT",
  "cardProgram": {
    "id": "2567"
  },
  "issuanceType": "DIGITAL"
}

Scenario 2: Issue Debit Card (Physical) — Individual

Use this scenario to issue a physical debit card to an Individual customer. Physical cards are shipped to the cardholder and typically arrive in 5–7 business days.

Flow

flowchart LR
    A(["👤 Individual Customer<br/><b>KYC Verified</b>"]) --> B(["🏦 Account<br/><b>ACTIVE</b>"])
    B --> C(["🎴 Issue Physical Card<br/><b>issuanceType: PHYSICAL</b>"])
    C --> D(["📦 Shipping<br/><b>5–7 days</b>"])
    D --> E(["✅ Activate Card<br/><b>ACTIVE</b>"])
    style A fill:#E8F4FD,stroke:#1976D2,stroke-width:2px
    style B fill:#FFF3E0,stroke:#F57C00,stroke-width:2px
    style C fill:#E1F5FE,stroke:#0288D1,stroke-width:2px
    style D fill:#F3E5F5,stroke:#7B1FA2,stroke-width:2px
    style E fill:#E8F5E9,stroke:#388E3C,stroke-width:2px

Prerequisites

Customer is INDIVIDUAL type and has passed KYC/CIP verification.

Account linked to the card is ACTIVE.

Card Program is configured for physical issuance.

A valid mailing address (address.id) is referenced for shipping. Inline addresses are not supported for DEBIT cards — use address.id to reference an existing address.

Embossing details are optional.

Example Request

{
  "shippingDetail": {
    "address": {
      "id": 1045579
    },
    "expressDelivery": "false"
  },
  "account": {
    "id": 4011856
  },
  "type": "DEBIT",
  "cardProgram": {
    "id": "2567"
  },
  "issuanceType": "PHYSICAL"
}

After the customer receives the card, activate it via POST /v1/issuance/card/id/{cardId}/activate to move the card from PENDING_ACTIVATION to ACTIVE.

Business Customer

Scenario 3: Issue Prepaid Card — Business Customer

Use this scenario to issue a prepaid card directly under a Business customer for controlled spending. Prepaid cards must be funded before use.

Prepaid cards are only supported for Business customers. Individual customers can only be issued DEBIT cards.

Flow

flowchart LR
    A(["🏢 Business Customer<br/><b>ACTIVE</b>"]) --> B(["🏦 Account<br/><b>ACTIVE</b>"])
    B --> C(["💳 Issue Prepaid Card<br/><b>type: PREPAID</b>"])
    C --> D(["💵 Load Funds<br/><b>$500.00</b>"])
    D --> E(["✅ Ready to Spend<br/><b>$500.00 Available</b>"])
    style A fill:#E8F4FD,stroke:#1976D2,stroke-width:2px
    style B fill:#FFF3E0,stroke:#F57C00,stroke-width:2px
    style C fill:#E1F5FE,stroke:#0288D1,stroke-width:2px
    style D fill:#F3E5F5,stroke:#7B1FA2,stroke-width:2px
    style E fill:#E8F5E9,stroke:#388E3C,stroke-width:2px

Prerequisites

Customer is BUSINESS type and ACTIVE.

Account has sufficient balance to load funds onto the card.

Card Program is configured for PREPAID issuance.

Card must be loaded with funds before it can be used — prepaid cards only allow spending up to the loaded amount.

Inline shipping address is supported for PREPAID cards.

Example Request

{
  "cardProgram": {
    "id": "cp_prepaid_biz_01"
  },
  "account": {
    "externalId": "acct-biz-12345"
  },
  "issuanceType": "DIGITAL_AND_PHYSICAL",
  "type": "PREPAID",
  "cardHolder": {
    "firstName": "Jane",
    "lastName": "Smith"
  },
  "shippingDetail": {
    "address": {
      "line1": "456 Corporate Drive",
      "city": "San Francisco",
      "state": "CA",
      "postalCode": "94102",
      "country": "US"
    }
  },
  "externalId": "card-prepaid-biz-001"
}

Scenario 4: Issue Prepaid Card — Authorized User (Business Customer)

Use this scenario to issue a prepaid card to an Authorized User under a Business customer — for example, an employee or delegate with spending privileges on behalf of the business.

Flow

flowchart LR
    A(["🏢 Business Customer<br/><b>ACTIVE</b>"]) --> B(["👥 Authorized User<br/><b>Employee/Delegate</b>"])
    B --> C(["📋 Card Program<br/><b>PREPAID</b>"])
    C --> D(["💳 Issue Card<br/><b>cardholder.type: AUTHORIZED_USER</b>"])
    D --> E(["💵 Fund Card<br/><b>$500.00</b>"])
    style A fill:#E8F4FD,stroke:#1976D2,stroke-width:2px
    style B fill:#FFF3E0,stroke:#F57C00,stroke-width:2px
    style C fill:#F3E5F5,stroke:#7B1FA2,stroke-width:2px
    style D fill:#E1F5FE,stroke:#0288D1,stroke-width:2px
    style E fill:#E8F5E9,stroke:#388E3C,stroke-width:2px

Prerequisites

Customer is BUSINESS type and ACTIVE.

Authorized User is created under the business customer (POST /v1/customer/{parentIdType}/{customerId}/authorizedUser) and its id is known.

Card Program is PREPAID — retrieve via POST /v1/issuance/cardProgram/list.

Inline shipping address is supported for PREPAID cards (use addressLine1, city, state, zip).

Example Request

{
  "cardholder": {
    "type": "AUTHORIZED_USER",
    "id": "44792"
  },
  "type": "PREPAID",
  "cardProgram": {
    "id": 2756
  },
  "shippingDetail": {
    "address": {
      "addressLine1": "LA street",
      "state": "AL",
      "city": "LA",
      "zip": "65876"
    },
    "expressDelivery": "true"
  }
}

Inline address rule: Inline address fields (addressLine1, city, state, zip) are only supported for PREPAID cards. For DEBIT cards, use address.id to reference an existing mailing address.

Scenario 5: Issue Debit Card — Beneficial Owner (Business Customer)

Use this scenario to issue an account-linked debit card to a Beneficial Owner of a Business customer (an individual owning 25% or more of the business). The card draws directly from the linked business account's balance.

Flow

flowchart LR
    A(["🏢 Business Customer<br/><b>ACTIVE</b>"]) --> B(["🏦 Account<br/><b>ACTIVE</b>"])
    B --> C(["👔 Beneficial Owner<br/><b>25%+ Owner</b>"])
    C --> D(["📍 Address ID<br/><b>address.id</b>"])
    D --> E(["💳 Issue Debit Card<br/><b>cardholder.type: BENEFICIAL_OWNER</b>"])
    style A fill:#E8F4FD,stroke:#1976D2,stroke-width:2px
    style B fill:#FFF3E0,stroke:#F57C00,stroke-width:2px
    style C fill:#F3E5F5,stroke:#7B1FA2,stroke-width:2px
    style D fill:#FFF3E0,stroke:#F57C00,stroke-width:2px
    style E fill:#E1F5FE,stroke:#0288D1,stroke-width:2px

Prerequisites

Customer is BUSINESS type and ACTIVE.

Beneficial Owner is created under the business customer (POST /v1/customer/{parentIdType}/{customerId}/beneficialOwner) and its id is known.

Account to link the debit card is ACTIVE and known (account.id).

A valid mailing address.id (typically from the Beneficial Owner's profile) is used for shipping. Inline addresses are not supported for DEBIT cards.

Card Program is DEBIT.

Example Request

{
  "cardholder": {
    "type": "BENEFICIAL_OWNER",
    "id": "44625"
  },
  "shippingDetail": {
    "address": {
      "id": 1045579
    },
    "expressDelivery": "false"
  },
  "account": {
    "id": 4011856
  },
  "type": "DEBIT",
  "cardProgram": {
    "id": "2567"
  },
  "issuanceType": "DIGITAL"
}

Scenario 6: Issue Debit Card — Authorized User (Business Customer)

Use this scenario to issue an account-linked debit card to an Authorized User under a Business customer. The card draws from the linked business account's balance, with spending controlled at the Authorized User level.

Flow

flowchart LR
    A(["🏢 Business Customer<br/><b>ACTIVE</b>"]) --> B(["🏦 Account<br/><b>ACTIVE</b>"])
    B --> C(["👥 Authorized User<br/><b>Employee/Delegate</b>"])
    C --> D(["📍 Address ID<br/><b>address.id</b>"])
    D --> E(["💳 Issue Debit Card<br/><b>cardholder.type: AUTHORIZED_USER</b>"])
    style A fill:#E8F4FD,stroke:#1976D2,stroke-width:2px
    style B fill:#FFF3E0,stroke:#F57C00,stroke-width:2px
    style C fill:#F3E5F5,stroke:#7B1FA2,stroke-width:2px
    style D fill:#FFF3E0,stroke:#F57C00,stroke-width:2px
    style E fill:#E1F5FE,stroke:#0288D1,stroke-width:2px

Prerequisites

Customer is BUSINESS type and ACTIVE.

Authorized User is created under the business customer and its id is known.

Account to link the debit card is ACTIVE and known (account.id).

A valid mailing address.id is used for shipping. Inline addresses are not supported for DEBIT cards.

Card Program is DEBIT.

Example Request

{
  "cardholder": {
    "type": "AUTHORIZED_USER",
    "id": "44792"
  },
  "shippingDetail": {
    "address": {
      "id": 1045579
    },
    "expressDelivery": "false"
  },
  "account": {
    "id": 4011856
  },
  "type": "DEBIT",
  "cardProgram": {
    "id": "2567"
  },
  "issuanceType": "DIGITAL"
}

Reference: Card issuance by customer type

Customer Type	Supported Card Types	Cardholder Object Required	Inline Shipping Address
`INDIVIDUAL`	`DEBIT` only	No — customer is the cardholder	No — use `address.id`
`BUSINESS`	`DEBIT`, `PREPAID`	Yes — `AUTHORIZED_USER` or `BENEFICIAL_OWNER`	`PREPAID` only

Reference: Card formats (`issuanceType`)

Format	Description	Availability	Typical Use Case
`DIGITAL`	Virtual card only	Instant	Online purchases, mobile wallets
`PHYSICAL`	Physical card shipped	5–7 business days	Retail, ATM withdrawals
`DIGITAL_AND_PHYSICAL`	Virtual + physical card	Digital instant, physical 5–7 days	Immediate access plus physical backup

Individual Customer

Scenario 1: Issue Debit Card (Digital) — Individual

Scenario 2: Issue Debit Card (Physical) — Individual

Business Customer

Scenario 3: Issue Prepaid Card — Business Customer

Scenario 4: Issue Prepaid Card — Authorized User (Business Customer)

Scenario 5: Issue Debit Card — Beneficial Owner (Business Customer)

Scenario 6: Issue Debit Card — Authorized User (Business Customer)

Reference: Card issuance by customer type

Reference: Card formats (issuanceType)

Reference: Card formats (`issuanceType`)