About Card Issuing

The Card Issuing APIs to enable you to create virtual and physical cards that can be used instantly after creation.

During cardholder (card) creation the API will:

  • Create a cardholder account -an account with one or many cards associated to it
  • Issue a new card (physical or virtual)
  • set customization options for printing and shipping (physical cards only)
  • (optionally) load money onto the card

Virtual cards can be created and issued instantly to the cardholder for immediate use.

You can also use the Berkeley Client Portal to manage cards, fund cards, make transfers between cards, view transactions and view your program details.`

Cardholder and Cards

All cards are associated to a cardholder. Upon the creation of a cardholder using Create Cardholder, both cardholder details and a card are created for the end user. A single cardholder can own multiple cards, but a card cannot be attached to multiple cardholders.

Berkeley will perform verifications for programs that have CIP/KYC requirements once a cardholder is created.

Please see the Create Cardholder section in the Issuing API Guide for more information on creating a cardholder.

Card Shipping

Physical cards will be shipped to cardholders upon creation of the cardholder for physical card programs, the shipping address can be specified during card creation. If the shipping address is not supplied the cardholder address will be used.


Personal Identification Numbers are 4 digit codes that are used as an additional layer of security for cardholders at the time of purchase. Upon initial activation of cards, cardholders will have to set a PIN on their card. Depending on your program, the following options are available:

  • IVR - Automated phone system that a customer calls to set their PIN upon activation. This does not require you to be PCI Compliant.
  • CSR - Call customer support to change their PIN post activation. This does not require you to be PCI Compliant.
  • APIs - See the link attached for more information about which endpoints to use for getting and setting PINs. This does require you to be PCI Compliant

Card Status

Modify Account Status can be used to activate, suspend, or mark cards as stolen or lost. In the event of a suspended, stolen, or lost card, the user will also have the option to initiate an automatic replacement that will be sent to the cardholder shipping details on file.


Suspended cards cannot be used, but have not been cancelled.

The same API call can be used to unsuspend the card. In contrast, stolen and lost cards are immediately deactivated for security purposes.