Cards

You can create a card for customers who have passed either the KYC verification. For details, see Know your customer.

The cards API is used to create a card and manage cards for your customers. Creating a card generates a card_id (unique ID that identifies the card) and will be associated with the account_id used in the create card API.

Once a card is created, you can manage the card and reissue the card. Part of managing a card is changing its status to active or inactive.

A card (card_id) and its account (account_id) are closely coupled but logically distinct, the difference being in what is being managed. The card ID contains information about the actual card, while the account ID stores broader account information, such as:

• The account and routing number
• The account balance
• The available balance
• Credit details if a credit account
  • Credit limit
  • APR

Card configurations

A card can be virtual, physical, or dual, which is determined by the program_id that is provided by Bond based on your requirements. The program id is used to create accounts or apply for credit applications. For details, see Card configurations.

Funding a card

Cards are associated to Accounts. A card's balance will be reflected in the account that the card is linked to. Accounts can be funded from either another account (account-to-account transfer) or from an external bank account. To fund an account from a bank account, your customer needs to link their bank account by requesting to link a bank account. The connection between the bank account and Bond uses the account_id, not the card_id (as you are linking an external account to a customer_id.

Your customer can now transfer funds to and from the account and make purchases.

For a complete specification and interactive examples, see Creating a card in the Bond API Reference.