Card program ID

The program_id UUID represents a partnership between you and a bank. You may partner with multiple banks to offer a range of financial products to customers where each of these combinations is represented within Bond Studio by a unique program_id.

The following chart illustrates the processes that require the program_id to be passed as a body parameter in a request.

Bond provides infrastructure for brands to offer banking services to their customers. Within Bond Studio, the program_id represents the financial institution for a customer object.

If your brand has partnerships with multiple banks, you can allow your customers to have cards from more than one card program. Both the customer_id and the program_id are required parameters for the API request to create a card.

Card types

A card can be virtual, physical, or dual, which is determined by the program_id which is provided by Bond Studio. Creating a dual card results in both a virtual and a physical card being issued (with different numbers), with the physical card being shipped to the customer. The virtual card is issued as active; the physical card is issued as inactive and must be activated before use.

Because a virtual and physical card can't be active at the same time, when you activate a physical card this concurrently deactivates the virtual card.

Financial regulations

Financial regulations compel banks to ensure that their customers' personal details have been verified, so the Bond Studio KYC process must be executed for every program_id where a customer has an account. Both the customer_id and program_id are required parameters for KYC verification requests, because the combination indicates that Bond Studio is executing verification of a particular customer on behalf of a particular bank.

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