Create consumer cards
Airwallex's consumer cards enable you pay out to consumers using the issued cards. Consumer use cases include: influencers, gig- economy workers, general payroll, etc. Airwallex has the licenses and infrastructure to support consumer card use cases across a number of jurisdictions worldwide.
Depending on your business requirements, you may also be required to integrate with Airwallex’s Banking as a Service offering and onboard your customers as an Individual (not a Business) to access consumer cards.
This tutorial guides you through the steps for creating personalized consumer cards.
Consumer cards can only be issued to Individual type cardholders and as personalized cards.
Create a consumer card
Submit Create a card API request by providing the following fields:
program.purpose: Set this toCONSUMERto indicate that you want the card issued to a customer onboarded to the platform as an Individual.program.type: The type of card. If you do not provide a value, the default configuration on your account setting is used. Possible values:PREPAID,DEBIT,CREDITorDEFERRED_DEBIT.program.sub_type: Sub type of the program. This is used for specific products under the defined program types, e.g.,B2B_TRAVELwhich designates BINs for travel use cases such as OTAs.is_personalized: You must set this field totrueto issue a consumer card.form_factor: The form of the card eitherVIRTUALorPHYSICAL(if applicable for your region). For information on requirements for physical cards, see Physical cards.cardholder_id: The ID of anINDIVIDUALtype cardholder to associate this consumer card with. Use thecardholder_idreturned in Create a Cardholder API response.created_by: Your full legal name.request_id: Specify a unique request ID.authorization_controls.allowed_transaction_count: Specify whether the card is a single (SINGLE) or multi-use (MULTIPLE) card. Single-use cards can only be used for one successful transaction.authorization_controls.allowed_transaction_limits: Set limits on transactions such as transaction amount, intervals, etc. See Transaction limits.
The cardholder status must be READY for consumer cards to be issued.
Card API response
The response returns the card object with all the request fields, and the following card details:
card_id: A unique identifier of the card object. You can use this to:- Retrieve the full PAN and CVV of the consumer card using Get sensitive card details API, only if you are PCI compliant (see Retrieve sensitive card details).
- Check if you have sufficient funds on the card for your future spend using Get card remaining limits API.
- Retrieve details of the card object including card status anytime using Get card details API. If you want to retrieve details of all cards issued to your account, see Get all cards API.
- Update the card object for transaction limits, allowed currencies, allowed merchant categories, etc., using Update a card API.
card_number: A masked card number.card_status: The status of the card (see Card statuses). A virtual card will automatically transition fromPENDINGtoACTIVEso you can use the card to transact immediately. For physical cards, see Activate a card.