Card issuance and personalisation
Create individual, corporate and virtual cards, and check which products a customer is eligible to hold before you issue.
Where this is used
Implemented on 3 programmes. A capability is one business idea, built once per card programme, so these are the programmes it applies to.
- 10 operationsCredit Digital Channels Integration APIOpen this capability’s operations in the reference.
- 8 operationsDebit Digital Channels Integration APIOpen this capability’s operations in the reference.
- 2 operationsPrepaid Digital Channels Integration APIOpen this capability’s operations in the reference.
Journeys that walk through it
- 01Launching a new card4 steps call an operation in this capability.
- 04Handling an incident1 step call an operation in this capability.
Guides about it
- Product IdentificationComprehensive card product definition and parametric management system for credit, debit, prepaid, digital, and virtual cards.
- Credit Card ApplicationsComplete credit card lifecycle management including limits, statements, installments, interest calculation, payments, and delinquency tracking.
- Debit Card ApplicationsDebit card management with bank account integration, On-Us and Off-Us transaction support, and real-time balance verification.
- Debit card issuing, end to endCreate the card, get it to the cardholder, then run it — the three stages of a debit programme in the order you call them.
- Prepaid Card ApplicationsComplete prepaid card management with wallet and balance operations, anonymous and registered cards, and multi-currency support.
How this behaves
Creating a card is the first of seven stages
The call that creates a card returns when the record exists. The cardholder is five stages away, and most of what happens between is not an operation anybody calls — which is worth knowing before a launch plan treats issuance as one step.
- 1 · OrderOne card, or a bulk order into stockNot published
- 2 · GenerateCard record and candidate numbersNot published
- 3 · EmbossBatched to the bureauCancel and pending list only
- 4 · PersonaliseName, stripe and chip writtenNot published
- 5 · DeliverCourier file, movements, barcodePublished
- 6 · ActivateStatus change; requested limit appliedPublished
- 7 · In-lifeLimits, PIN, status, statementsPublished
Requests accumulate through the day and go to the production bureau in one session, so there is nothing to call per card. What is published around it is the pending list and a cancellation — which is exactly what an incident needs: a card ordered for an account that has since been compromised has to be stopped before it is printed.
The embossing reason is the business classification of why a card is being produced — new, renewal, lost, damaged, name change — and it decides both the fee and what becomes of the card being replaced. Read the permitted list rather than sending a remembered code.
A no-name card inverts the first four stages: the order is against stock rather than a person, and the card is bound to a customer at activation instead — see No-name cards.
The limit arrives at activation, not at creation
A limit asked for on the application is held rather than applied: it is assigned when the card is activated. So a card read between issuance and activation shows no limit, and that is correct rather than a failure of the create call.
Otherwise activating the physical card would hand the old limit straight back — see Card and customer limits.
Operations
credit-digital-channels-integration
/credit/api/createIndividualCard
Creates a new individual credit card for a customer.
POST/credit/api/createIndividualSupplementaryCard
Creates a new individual supplementary credit card for a customer. Supports digital and physical cards, multiple accounts, addresses, auto payment, permissions, and optional card miscellaneous options. Returns card reference, shadow card number, masked card number, and sensitive card data if applicable.
POST/credit/api/createDummyCorporateCard
Creates a new dummy corporate credit card. Supports specifying addresses, accounts, statement preferences, card limits, virtual card relation, auto payment accounts, and permissions. Returns card reference, shadow numbers, masked card number, record ID, warnings, and sensitive card data if applicable.
POST/credit/api/createCorporateCard
Creates a corporate credit card.
POST/credit/api/createVirtualCard
Creates a virtual credit card linked to an existing physical card.
POST/credit/api/getApplicableProductsByCustomerNumber
Retrieves credit card products that a customer is eligible to apply for.
POST/credit/api/getApplicableProductsByMainCustomerPreControl
Checks applicable credit card products for a main customer before control. Returns a success flag indicating whether the pre-control check passed.
POST/credit/api/createNoNameCard
Creates a card from a no-name envelope (pre-printed card stock with barcode).
POST/credit/api/cancelCardEmbossByShadowCardNumber
Cancels a pending card embossing order.
POST/credit/api/getPendingCardEmbossList
Retrieves list of cards pending embossing.
debit-digital-channels-integration
/debit/api/getApplicableProductsByCustomerNumber
Retrieves list of card products available for a customer based on their profile and eligibility.
POST/debit/api/createIndividualCard
Creates a new individual debit card application and initiates the card issuance process for a retail customer.
POST/debit/api/createIndividualSupplementaryCard
Issues a supplementary debit card beneath an existing main card, identified by the main card's shadowCardNumber. The supplementary card draws on the main card's accounts and carries no statement or auto-payment settings of its own.
POST/debit/api/createCorporateCard
Creates a corporate debit card for business customers, supporting corporate account structures and permissions.
POST/debit/api/createDummyCorporateCard
Creates the plastic-less corporate record that carries a firm's limit, statement period and payment settings. No card is produced and no PAN is returned; employee cards attach beneath it as supplementary cards.
POST/debit/api/createVirtualCard
Creates a virtual/digital debit card linked to an existing physical card, typically for online transactions or temporary use.
POST/debit/api/getPendingCardEmbossList
Retrieves list of cards pending physical embossing (name printing on card).
POST/debit/api/cancelCardEmbossByShadowCardNumber
Cancels a pending emboss request, typically if card is being replaced or cancelled before production.
prepaid-digital-channels-integration
integration-corebanking-outdoor · not published
/Outdoor/api/getVendorIssuanceCreditCard
Asks core banking to issue a vendor credit card