Create commercial cards
Airwallex’s commercial cards enable you to pay for your business-related expenses. This tutorial guides you through the steps for creating personalized and non-personalized commercial cards.
Commercial cards can be issued to either Delegate or Individual type cardholders and can be personalized or non-personalized.
Create a commercial card
To create a commercial card, submit Create a card API request by providing the following fields.
program.purpose: Set this toCOMMERCIALto indicate that you want the card issued to a business.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. Possible values:B2B_TRAVEL,GOOD_FUNDS_CREDIT. This is used for specific products under the defined program types, e.g.,B2B_TRAVELwhich designates BINs for travel use cases such as OTAs.created_by: Your full legal name.request_id: Specify a unique request ID.purpose: The purpose of the commercial card’s usage. If you do not provide a value, defaults toBUSINESS_EXPENSES. Other possible values:CLIENT_EXPENSES,MARKETING_EXPENSES,OFFICE_SUPPLIES,ONLINE_PURCHASING,OTHER,SUBSCRIPTIONS,TEAM_EXPENSES,TRAVEL_EXPENSES.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 debit transaction.authorization_controls.allowed_transaction_limits: Set limits on transactions such as transaction amount, intervals, etc. See Transaction limits.
The required input for the following fields will differ based on whether you opt to personalize or not personalize this commercial card.
Non-personalized commercial card requirements
is_personalized: Set this field tofalseif you want to create a non-personalized card. This allows the card to be assigned to a business with the business name used on the card. The card can be associated with multiple authorized cardholders.form_factor: Set this toVIRTUALas this is the only supported form for non-personalized cards.cardholder_id: Provide the ID of either aDELEGATEorINDIVIDUALtype cardholder as returned in Create a Cardholder API response.additional_cardholder_ids: Optional. The IDs of additional cardholders (up to a maximum of two) of eitherDELEGATEorINDIVIDUALtype that you want to associate this commercial card with. All cardholders including the primary cardholder represented incardholder_idwill receive 3DS OTP verification codes on the contact (emailormobile_number) listed on their cardholder record.
At least one cardholder is required at all times. If cardholder_id is not present and additional_cardholder_ids is empty the request is rejected.
Shell
Example request (Non-personalized commercial card)
JSON
Example response (Non-personalized commercial card)
Personalized commercial card requirements
is_personalized: Set this field totrueif you want to create a personalized card. This allows the card to be assigned to a single named individual with their legal name used on the card.form_factor: You can set it toVIRTUALorPHYSICAL. Personalized cards can be added to digital wallet providers.cardholder_id: Provide the ID of anINDIVIDUALtype cardholder as returned in Create a Cardholder API response.
Shell
Example request (Personalized commercial card)
JSON
Example response (Personalized commercial card)
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 using Get sensitive card details API (see Retrieve sensitive card details).
- Check if you have sufficient funds on the card for your future spend using Get card remaining limits API to
- 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). The card will automatically transition fromPENDINGtoACTIVEfor virtual cards so you can proceed to transact immediately.