The Unified Card Issuance is designed to give your business complete flexibility over how capital is accessed and managed. A single, unified platform that allows you to issue and manage cards for any use case, whether it’s giving an employee a corporate expense card or providing a customer with a personal card.

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Cards can only be issued to an Account that is in ACTIVE status.

How to Issue a Card

You can issue both Debit and Prepaid cards using a single Unified API endpoint.

Issuing a Virtual Card

1. To begin, you can Issue a Card using the POST /v1/customer/id/{customer_id}/issuance/card endpoint. This single endpoint handles the logic for both card types “DEBIT” where the card is linked directly to the customer's Passport account balance and “PREPAID” to create a pre-funded expense card (Business Only).

   Field	Mandatory	Description (with Possible Values)
   cardholder.type	✓	Specifies the type of cardholder. It can beAUTHORIZED_USER, BENEFICIAL_OWNER.
   cardholder.id	✓	Unique identifier of the cardholder within the system. (Numeric or String ID)
   type	✓	Defines the funding type of the card. Possible values: PREPAID, DEBIT.
   cardProgram.id	✓	Unique identifier of the configured Card Program under which the card is issued. (Numeric ID)
   issuanceType	✓	Determines how the card is issued. Possible values: DIGITAL, DIGITAL-FIRST, PHYSICAL
   shippingDetail	Conditional	Required when issuing a Physical Debit card. Contains shipping information for card delivery.
   shippingDetail.address.id	Conditional	Internal system identifier of the shipping address. (Numeric ID)
   shippingDetail.expressDelivery	Conditional	Indicates if expedited shipping is requested. Possible values: true, false.

2. Once a card is issued, you can fetch the specific record by calling Retrieve Card at GET /v1/customer/id/{customer_id}/issuance/card/id/{card_id} endpoint where id is the Unique card id of the issued card.

Issuing a Physical Card

If a user was originally issued a virtual-only card but later requires a plastic card for ATM access or in-person payments, you do not need to create a new account.

1. You can order a Physical Card by calling POST /v1/customer/id/{customer_id}/account/id/{account_id}/issuance/card/id/{card_id}/issuePhysicalCard endpoint. This endpoint initiates the manufacturing and shipping process to the card holder address.
2. For security, all physical cards are shipped in a "Frozen" or "Inactive" state to prevent fraud during transit. Once the cardholder receives the plastic card, you must explicitly Enable "Card Present" transactions by calling POST /v1/customer/id/{customer_id}/account/id/{account_id}/issuance/card/id/{card_id}/enablePhysicalCard. This step confirms the chain of custody and activates the card for use at Point-of-Sale terminals.

When issuing a physical card, the required embossing details are configured as part of the card issuance process. To learn more refer to this section.

Once your Unified Card is issued successfully, you can then proceed with other Card actions.

Open Questions

1. How do we mention “Auto-issuance” use case ? Shall it be included here ?
2. Incase of Retrieve Digital card Image, where do i add this sections?
3. Should card embossment have another page?
4. Where should "Digital wallet - push provision" be ? Will also be required to add "Certification appendix" area

See Also