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You can create a card for customers who have passed either the KYCKYC - Know Your Customer. The compliance that financial institutions put into their policies and procedures to verify a customer's identity. verification or the KBAKBA - Knowledge Based Authentication. A form of identity validation done by prompting the user to answer questions based on their private information. Performed in the event that the KYC process fails. Generally KBA is interchangeable with OOW. For example, "Out of these 4 addresses, in which have you resided previously?". process. 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 a card_account_id (unique Bond ID for the card account).

Once a card is created, you can manage the card, for example close and reissue the card. Part of managing a card is changing its status to Active, Lost, Stolen, and so on.

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

  • The KYC provider
  • Whether it is a debit/credit program
  • The card processor
  • The BINBIN - Bank Identification Number. An identification number consisting of a two-part code assigned to banks and savings associations; the first part shows the location and the second identifies the bank itself. provider

Card types

There are three card types:


A virtual card is only available via the API. As the name suggests, there is no physical card associated with it. A virtual card can be used in exactly the same way as a physical card, with the exception of POS terminals. There is no need to activate a virtual card as it's active when issued. A virtual card can't be active at the same time as the physical card.


A physical card is issued as inactive and is automatically shipped to the customer on issue. The card must be activated before use which concurrently deactivates the virtual card.


A Dual card type results in both a virtual and a physical card being issued at the same time, but with different numbers. The virtual card is active and the physical card is inactive until activated, at which point the virtual card is automatically deactivated.

The card type is determined by the program_id which is provided by Bond Studio. For details, see Card program ID.

Funding a card

A card can be funded from either another card or from an external bank account. To be able to fund a card from a bank account, your customer needs to link the card to the bank account by requesting to link a bank account to their card. The customer then logs in to their bank account and chooses which account to link to the card. The connection between the bank account and the card uses the card_account_id, not the card_id.

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

Updated 9 days ago


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