Use this guide to learn how to create cardholders and issue cards.
Use APIs to create virtual and physical cards that can be used instantly after creation.
Physical cards issued through the Berkeley API will contain all necessary information to create a new cardholder account, a new card, and can be customized for printing and shipping directly to the cardholder.
Virtual cards can be created, issued, and delivered instantly to the cardholder for immediate use.
Creating a cardholder
The Cardholder represents individuals or entities that can be issued cards. All cards must be associated to a cardholder. A single cardholder can have multiple cards, but a card cannot be assigned to more than one cardholder.
Use the Create Cardholder endpoint to get started. For issuers in Canada, date_of_birth and phone are mandatory fields for KYC. U.S. programs will need to complete SIN for KYC verifications.
For physical card programs, the shipping_method and shipping_address fields will be used for shipment details. If these are not specified, the cardholder address will be used.
The load_amount field can used upon card creation so that the cardholder is able to spend money in realtime.
printf '{
"program_id": 1,
"external_tag": "abc123",
"first_name": "John",
"last_name": "Doe",
"date_of_birth": "01-01-1980"
"email": "[email protected]",
"phone": "1231231234",
"postal_code": "84121",
"city": "Moonbase One",
"state": "UT",
"address1": "123 Fake Street",
"address2": "apartment 2",
"country": "840",
"sin": "",
"shipping_method":"1",
"load_amount": 100
}'| http --follow --timeout 3600 POST {{domain}}/api/v1/card_issuing/cardholders \
Content-Type:'application/json' \
Accept:'application/json'
Once a card has been created, it will need to be activated before a Cardholder is able to use it for transactions.
Activating a Card
All virtual or physical cards must be active before they can be used for transactions.
Physical Cards
Physical cards can be activated using the Activate Card endpoint. A combination of the PAN and theExpiry Date OR a combination of the Account ID and the Last four digits must be sent to activate a physical card.
To find details on the required fields, use the Get Cardholder Details endpoint for more information.
printf '{
"id": 376,
"last_four_digits": "1576",
"expiry_month": "07",
"expiry_year": "2023"
}'| http --follow --timeout 3600 POST {{domain}}/api/v1/card_issuing/accounts/activate_card \
Content-Type:'application/json' \
Accept:'application/json
1printf '{ 2 "id": 376, 3 "last_four_digits": "1576", 4 "expiry_month": "07", 5 "expiry_year": "2023" 6}'| http --follow --timeout 3600 POST {{domain}}/api/v1/card_issuing/accounts/activate_card \ 7 Content-Type:'application/json' \ 8 Accept:'application/json'
Virtual Cards
Virtual cards are activated using the Modify Account Status endpoint. Similar to Physical cards, the card’s Last four digits are required to activate a card. Use the Get Cardholder Details to find these details.
printf '{
"status": "mark_card_active",
"last_four_digits": "4111"
}'| http --follow --timeout 3600 POST {{domain}}/api/v1/card_issuing/accounts/1 \
Content-Type:'application/json' \
Accept:'application/json'
Related pages:
API Flows
Cardholder Creation Validation
Card Issuing Certification and Onboarding