To create a card and assign it to the consumer we created; we will use the card_create API endpoint.
We will use the unique token ID for the account, the unique user ID is not mandatory in this case, as the system already knows, that the account was registered under the consumer with unique token ID, as this is how we perform the account opening request.
Example request:
{
"program": "card_eur",
"account": "202f828a-c594-436d-b753-123456789123",
"merchant": "",
"user": "",
"aml": "b204ac3f-a23e-442b-a909-898238197070", // token ID from the AML check
"emboss_name": "Jane Doe",
"emboss_name_line4": "ACME Corp",
"fulfil1": "123456",
"fulfil2": "789123",
"thermal_line1": "123456",
"thermal_line2": "789123",
"active": false,
"pin": "1234",
"type": "plastic",
"first_name": "Jane",
"last_name": "Doe",
"alias": "Bonus payout Jane Doe",
"delivery_details": {
"city": "London",
"country": "UK",
"county": "UK",
"zip": " W181BP ",
"address1": " J 8th Tonsley P ",
"method": "string",
"code": "string",
"mobile_phone": "+440000000"
},
"three_domain_enrolment": {
"otp_sms": "+440000000",
"biometric": true
}
}Example response:
{
"code": 0,
"data": {
"program": "account_eur",
"token": "202f828a-c594-436d-b753-87c47556ef11",
"merchant": "68f63588-2859-4997-8a23-29c59223e6ba",
"user": "5eef34b5-69d8-4596-a9d3-b3aad500e825",
"type": "default",
"number": "0123456789",
"link_key": "1234",
"is_main": true,
"status": "active",
"multicurrency": false,
"balances": [
{
"available": 1.23,
"blocked": 1.23,
"currency": "EUR",
"token": "338e7368-4800-40ad-a4db-2e3df401087b",
"iban": "BG31PATC4002115468108680",
"sort_code": "123456",
"account_number": "12345678",
"number": "0123456789",
"is_main": true
}
]
}
}With issuing the card for the consumer, we cover the case where we want to have a consumer created, with the card issued and an account opened.
Assign a business card to a user who is not the cardholder
In some cases you might want to issue cards, which are company owned, but the card user is a consumer or employee. We will use again the account_create, user_create and card_create API requests to build the use case. The tricky moment here is that we will be creating an account under the business but issue the card to the user with the account for the business.
Now let us proceed with the case.
Utilization of the API:
First, we will need to open an account for the business. The same way we did previously we will add the program and to which business we want to open an account to in the program and merchant fields. We are also using the “alias” field to mark that this account will be used for travel expenses.
Example request:
{
"program": "account_eur",
"merchant": "242d993a-be0e-461d-b9e4-7c84b8bfff4f", //The unique merchant token for the business after it was onboarded
"user": "",
"main": "",
"skip_iban_generation": false,
"alias": "Travel expenses"
}Example response:
{
"code": 0,
"data": {
"program": "account_eur",
"token": "202f828a-c594-436d-b753-87c47556ef11",
"merchant": "242d993a-be0e-461d-b9e4-7c84b8bfff4f",
"user": "",
"type": "default",
"number": "0123456789",
"is_main": true,
"status": "active",
"multicurrency": false,
"balances": [
{
"available": 1.23,
"blocked": 1.23,
"currency": "EUR",
"token": "338e7368-4800-40ad-a4db-2e3df401087b",
"iban": "BG31PATC4002115468108680",
"sort_code": "123456",
"account_number": "12345678",
"number": "0123456789",
"is_main": true
}
]
}
}Create user under the business
Now that we have the account opened, we will create the user, which will use the card we will be issuing.
Example request:
{
"email": "john.doe@example.com",
"first_name": "John",
"last_name": "Doe",
"address1": "James Bouchier 76a",
"address2": "string",
"country": "BG",
"city": "Sofia",
"zip": "1407",
"phone": "+3590000000",
"mobile_phone": "+3590000000",
"language": "string",
"nationality": "BG",
"birthday": "BG",
"aml": "string",
"place_of_birth": "string",
"merchant": "242d993a-be0e-461d-b9e4-7c84b8bfff4f ", // Keep attention to the merchant field, as we want to register a user for the merchant, we need to fill in the unique token ID
"occupation": "string",
"education": "string",
"info": "string",
"money_declaration": "string",
"source_of_funds": "string",
"external_reference": "string",
"registration_ip": "string",
"is_san": "string",
"peps_declaration": "string",
"pep": "string",
"pep_relative": "string",
"unique_identifier": "string",
"id_passport_validity": "string",
"id_passport_number": "string",
"type": "string",
"documents": [
{
"file": "iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNksP3/HwADvgI9/iYBsgAAAABJRU5ErkJggg==",
"file_type": "pdf",
"document_type": "passport"
}
]
}After the user is created, we will issue the card, by using the account created under the business and the user we just created.
Example request:
{
"program": "card_eur",
"account": "202f828a-c594-436d-b753-87c47556ef11", // The account token created under the business
"merchant": "", // Merchant field is not needed as the account is issued under the merchant
"user": "22f55588-1234-4997-8a23-29c59223e6gbp", // The user token created under the merchant
"aml": "b204ac3f-a23e-442b-a909-898238197070",
"emboss_name": "John Doe",
"emboss_name_line4": "ACME Corp",
"fulfil1": "123456",
"fulfil2": "789123",
"thermal_line1": "123456",
"thermal_line2": "789123",
"active": false,
"pin": "1234",
"type": "virtual",
"first_name": "John",
"last_name": "Doe",
"alias": "Shopping Card",
"delivery_details": {
"city": "Sofia",
"country": "BG",
"county": "Sofia Grad",
"zip": "1407",
"address1": "James Bouchier 76A",
"method": "string",
"code": "string",
"mobile_phone": "+3590000000"
},
"three_domain_enrolment": {
"otp_sms": "+3590000000",
"biometric": true
}
}In this case we are issuing the card to a user, but the card is linked to the business account. Thus, we have a card user, who is not the actual cardholder. The cardholder is the company itself as the account linked is with company funds.