Payment Cards
Issue VaultsPay-branded virtual and physical payment cards. Every card is linked to exactly one Account and transacts in that account’s currency.
The Card object
{
"id": "card_01HX71YM6FJ3A8W7T5K6NRB2DN",
"object": "card",
"account_id": "acc_01HX7...",
"user_id": "usr_01HX7...",
"type": "virtual",
"brand": "mastercard",
"status": "active",
"last4": "4321",
"expiry_month": 11,
"expiry_year": 2030,
"currency": "AED",
"limits": {
"daily_spend": 500000,
"monthly_spend": 2000000,
"per_transaction": 100000
},
"controls": {
"atm_withdrawal": false,
"online_payments": true,
"contactless": true,
"cross_border": true
},
"created_at": "2026-04-24T14:52:03Z"
}Card types
| Type | Delivery | Notes |
|---|---|---|
virtual | Instant | Usable online and in-wallet (Apple Pay / Google Pay). |
physical | 5–10 business days (UAE) | Also works for ATM withdrawals and contactless. |
Lifecycle
virtual created ─► active ─► (frozen ↔ active)
└► converted_to_physical ─► physical active
└► terminated