Create Card

A SaaS app must have at least one card tier configured by its Admin. After that:

For virtual cards, set cardType = "VIRTUAL" and the card is created automatically.
For physical cards, include a delivery address object.

POST{baseUrl}/pcs/api/v1/cards

Payload

Attribute	Type	Required	Description
cardTierId	Integer	Yes	ID of the card tier to link the card.
customerId	Integer	Yes	ID of the customer for whom the card is created.
address	Object	Conditional	Delivery address object. Required for PHYSICAL cards.
address.country	String (ISO Alpha-3)	Conditional	Country code (e.g., PAK).
address.state	String	Conditional	State/Province.
address.city	String	Conditional	City.
address.addressLine1	String	Conditional	Address line 1.
address.addressLine2	String	No	Address line 2 (optional).
address.type	Enum	Conditional	e.g., MAILING.
address.postalCode	String	Conditional	Postal/ZIP code.
address.longitude	String	No	Longitude (decimal).
address.latitude	String	No	Latitude (decimal).
cardType	Enum	Yes	`PHYSICAL` or `VIRTUAL`.
accountId	Integer	Yes	Account ID to link the card.
cardHolderName	String	Yes	Name to emboss (must be from Embossing Name Options).

Request Example

{
  "cardTierId": 67,
  "customerId": 799,
  "address": {
    "country": "PAK",
    "state": "Punjab",
    "city": "RWP",
    "addressLine1": "line 1 address",
    "type": "MAILING",
    "postalCode": "44000",
    "longitude": "127.45",
    "latitude": "716.70"
  },
  "cardType": "PHYSICAL",
  "accountId": 360,
  "cardHolderName": "Test Card Owner"
}

Response

Field	Type	Description
id	Integer	Created card ID.
userId	Integer	Owner user ID.
cardIssuerConfigId	Integer	Card issuer config ID.
thirdPartyConfigSlug	String	Issuer slug/identifier (if any).
userProfile	Object	Basic profile of the cardholder.
_3dSecure	Object	3DS configuration/details (if available).
account	Object	Linked account details.
cardTier	Object	Card tier flags (e.g., fraud rules, limits).
activation	Object	Activation flow/status (if present).
manufacturing	Object	Manufacturing details (physical cards).
delivery	Object	Delivery details (physical cards).
paymentCardType	Enum	e.g., DEBIT.
cardNetwork	Enum	e.g., MASTERCARD.
cardType	Enum	PHYSICAL or VIRTUAL.
billingCurrency	String	Billing currency code (if present).
embossName	String	Emboss/holder name.
tokenFlags	String	Token flags bitmask.
pinSet	Boolean	Whether PIN is set.
status	Enum	Initial status is `ISSUANCE_REQUESTED`.
cardText	String	Human-readable action text (e.g., “Waiting for Approval…“).
cardCategory	Enum	e.g., STANDARD.
consumerType	Enum	e.g., CONSUMER.
maxPurchaseLimit	Number	Max purchase limit.
statusReason	String	Reason for current status.
apiCallUniqueIdentifier	String	API-call unique trace ID (if present).
cardHolderName	String	Cardholder full name.
cardTokens	Array	Linked tokens (virtual/tokenized services).
processedAtThirdParty	Boolean	Whether the card was processed at third party.
createdAt / updatedAt	String	Timestamps (ISO 8601).

200 — SUCCESS

{
  "data": {
    "id": 1079,
    "userId": 5,
    "userProfile": {
      "id": 1117,
      "pronounTitle": "Mr",
      "firstName": "John",
      "lastName": "Mock-Doe",
      "email": "default.user@vaultspay.ae",
      "countryCode": "971",
      "phone": "34343435",
      "language": "ENGLISH"
    },
    "account": {
      "id": 1281,
      "accountId": 10,
      "userId": 5,
      "accountType": "DIGITAL",
      "currencyCode": "AED",
      "accountTitle": "DEFAULT USER DIGITAL AED",
      "accountNumber": "1000648060000040",
      "iban": "AE680961000648060000040"
    },
    "cardTier": { "id": 1, "enableFraudRules": false, "enableLimits": true },
    "paymentCardType": "DEBIT",
    "cardNetwork": "MASTERCARD",
    "cardType": "VIRTUAL",
    "embossName": "awais test",
    "tokenFlags": "00010000000000000000001100010000",
    "pinSet": true,
    "status": "ISSUANCE_REQUESTED",
    "cardText": "Waiting for Approval…",
    "maxPurchaseLimit": 100,
    "cardCategory": "STANDARD",
    "consumerType": "CONSUMER",
    "processedAtThirdParty": false,
    "createdAt": "2025-07-04T05:08:32.654+00:00",
    "updatedAt": "2025-07-04T05:08:32.654+00:00"
  }
}

Embossing Name Options Process Card Request