Before issuing a card, you must ensure the cardholder, whether an individual or a business user, meets the eligibility criteria defined. Ensure that your organization is fully onboarded and that the customers you intend to issue cards to have completed their Customer Identification Program (CIP) verification.

Pre-requisites for issuance

To successfully issue a card, the following conditions must be validated:

• Feature Enablement: The Unified Debit Card issuance feature must be explicitly enabled for your program.
• Active Account Status: Cards can only be issued to an Account that is in ACTIVE status.
• Verified Identity (CIP): The cardholder's Customer Identification Program (CIP) checks must be VERIFIED. Issuance requests for unverified or pending customers will be rejected.
• Valid Shipping Address: The mailing address must be set up and must be a physical location. PO Boxes and Lockbox addresses are strictly prohibited for card shipment.
• One Physical Card Limit: Only one physical debit card can be issued to a single Authorized User for a specific Passport account.

Who can issue unified card ?

• Business: These are corporate or commercial entities. While the account belongs to the business, the card is issued to a specific person associated with it.

  • Business Owner: The primary individual who owns the business.
  • Authorized Signer: Individuals with legal authority to manage the account.
  • Business Users (Authorized Users): Employees, contractors, or agents who are issued cards for business expenses.

• Individual Customers: These are standard personal accounts managed by a single person. The individual account holder is the only eligible cardholder.

• Joint Tenancy Customers: These are accounts owned jointly by two or more individuals (e.g., spouses). Cards are issued to the specific owners listed on the account. Each owner receives their own card linked to the shared funds.