Funding Issued Cards

Card funding determines how funds are made available for transactions performed using issued cards. Depending on the card type, funds may either be sourced from an associated account balance or loaded directly onto the card.

Debit cards and prepaid cards follow different funding models, which are outlined below.

Funding your Debit Cards

Debit card transactions draw funds from the associated Passport account balance. Before cards can be used for transactions, the account must contain sufficient funds. When a transaction occurs, the card draws liquidity directly from that main account's available balance in real-time.

You can fund the account using the primary POST method using the v1/customer/id/{{id}}/transactionendpoint. There are two main methods through which funds can be pushed to the account.

You can fund the Passport account by transferring funds from an external bank account using the account and routing details associated with the Passport account. Supported transfer methods include:

ACH
Wire / Internatinal WIRE
Check

Funding your Prepaid Cards

Unlike debit cards, Prepaid cards operate on a pre-funded model and require distinct funding operations to allocate an allowance. You manage a prepaid card's balance using two specific actions:

Loading a Prepaid Card

A Card Load operation provisions funds for an employee's upcoming expenses. It debits the master Passport account and credits the target Prepaid Card, giving the user an immediate spendable balance. You can use the POST method v1/customer/id/{{id}}/transaction endpoint.

Field	Required	Description
`method`	✓	Payment method of transaction. In this case, it will always be `BOOK`.
`amount`	✓	The dollar value of the transaction. The amount must be greater than zero.
`purpose`	✓	Purpose of the transaction. All characters are allowed.
`source.account.id`	✓	The unique identifier assigned for Passport account to be debited to process the transaction.
`destination.card.id`	✓	The unique identifier of the Prepaid Card issued to the authorized user to load the card with funds.

Unload a Prepaid Card

A Card Unload operation reclaims funds. If an employee returns from a trip with an unspent allowance or a card is being closed, this operation reverses the flow by debiting the Prepaid Card and crediting the money back to the master Passport Account. You can use the POST method v1/customer/id/{{id}}/transaction endpoint, making sure to pass the following fields,

Field	Required	Description
`method`	✓	Payment method of transaction. In this case, it will always be `BOOK`.
`amount`	✓	The dollar value of the transaction. The amount must be greater than zero.
`purpose`	✓	Purpose of the transaction. All characters are allowed.
`source.card.id`	✓	The Unique identifier of the Prepaid Card to be debited to process the transaction.
`destination.account.id`	✓	The Unique identifier of the Passport account that is to be credited with funds.