DgPaysDgPaysEverest Card

Journey 01

Launching a new card

From an empty portfolio to live, transacting cards. Pick your product line — the platform pattern is the same: authenticate, configure, issue, activate, transact.

3 sections · 15 steps · 3 with a gap this platform does not cover

Credit

A revolving credit card program: eligibility-checked issuance, activation, PIN and the first transaction.

  1. Get an access token

    Authenticate with client credentials against the Security Token Service. Every later call carries this bearer token; scopes control what it can do.

    access_tokenuse in the Authorization header

  2. Choose the product

    List your configured credit products and check which ones this customer is eligible for. Present only those.

    productNumbercarries into issuance

    Product parameters are not readableNo operation reads a product's configuration. Limit parameters are readable, which is a different thing.

  3. Register the customer

    One-time registration of the core-banking customer with Everest. Idempotent — safe to repeat.

    customerNumberconfirmed

  4. Issue the card

    One call creates the card: product, limit, linked settlement account, statement day, delivery and initial permissions. Add a virtual companion card for instant online spend before the plastic arrives.

    shadowCardNumbersave it — every later call needs it

  5. Activate and set the PIN

    After delivery (instant in Sandbox), activate and set the PIN with an encrypted PIN block.

    statusA — active

  6. Post the first transaction

    Quote the fee, post a payment in Sandbox, and read it back from current-period history.

    utidpersist against your ledger entry

Debit

Deposit-account-linked debit cards with multi-account selection at ATM and POS.

  1. Get an access token

    Same STS, debit scopes.

    access_tokenready

  2. Issue against accounts

    Create the debit card linked to one or more deposit accounts; the first is the default settlement account.

    shadowCardNumberof the debit card

  3. Link more accounts

    Attach additional accounts and set the selection priority customers see at ATM and POS.

    priorityorder confirmed

  4. Activate, PIN, transact

    Activation and PIN services are shared across product lines. Then read debit activity — on-us and off-us.

    statusA — active

Prepaid

Gift and general-purpose reloadable programs — anonymous stock through KYC registration, loads and transfers.

  1. Get an access token

    Same STS, prepaid scopes.

    access_tokenready

  2. Issue from stock

    Activate anonymous no-name stock by barcode or issue named cards singly. Anonymous cards carry regulatory caps until registered.

    shadowCardNumberof the prepaid card

  3. Load funds

    Load from your payment leg with a funding reference; anonymous limit profile enforces the caps.

    newBalanceconfirmed

    Prepaid balance is not exposedLoading funds, card-to-card transfer and wallet balance have no operation in this platform's APIs. The programme can be issued and registered here; the money movement behind it comes from elsewhere.

  4. Register after KYC

    Attach the card to a customer once KYC completes — limits lift automatically.

    limitProfileREGISTERED

  5. Move money

    Card-to-card transfers inside the program and balance reads for wallet screens.

    availableBalancefor wallet UI

    Prepaid balance is not exposedLoading funds, card-to-card transfer and wallet balance have no operation in this platform's APIs. The programme can be issued and registered here; the money movement behind it comes from elsewhere.