Cards

Rapyd enables you to issue cards funded by a Rapyd Wallet. Your users can use the card for buying items in a store, withdrawing cash from an ATM, or purchasing online. The funds can be easily moved from the wallet to the card then back to the wallet to manage expenses and provide clients funds or users better funds control.

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Countries that support issuing cards

Issuing cards is supported in specific countries. Contact your Rapyd sales representative for details.

Rapyd allows merchants to issue cards in the following ways:

  1. Issue new cards using the Rapyd API.
  2. Issue cards in bulk with the assistance of a Rapyd sales representative.

Rapyd API Entities Related to Issuing Cards

Issuing a card based on a Rapyd Wallet involves the following Rapyd API entities:

  1. Wallet
    The Rapyd Wallet is the highest layer in the hierarchy used for issuing cards. When a customer uses a card, Rapyd verifies whether there are funds in the wallet to which the card is linked. If the wallet has sufficient funds, the card transaction is approved. If the wallet does not have sufficient funds, the card transaction is declined.
  2. Contact
    Each card issued by Rapyd must be linked to a person. The person is represented by a wallet contact. A company wallet can have multiple contacts. Therefore, multiple cards may be assigned to a single wallet.
  3. Card
    The card must be linked to a single contact.

Rapyd Authorization of Card Transactions

When a customer uses a card (for example, at a store, an ATM, or online), Rapyd authorizes the transaction only if the wallet account has enough funds in the currency of the transaction.

For example, if the customer uses the card for a purchase in US dollars, the wallet is charged only in dollars. If the wallet balance in US dollars is sufficient to cover the purchase, Rapyd authorizes the transaction.

However, if the wallet balance in US dollars does not cover the cost, the transaction is declined. The transaction is declined even if the wallet has an account in a different currency, such as euros, with sufficient funds to cover the purchase.

API Calls Related to Issuing Cards

Let's take a look at the Rapyd API methods related to issuing cards.

Method

Description

Issue Card

Allows you to issue a new card.
By default, cards are not activated when they are issued.

Activate Issued Card

Activates an issued card.

Update Issued Card

Allows you to block or unblock cards.

Set PIN Code for Issued Card

Allows you to modify the PIN code of a card.

Personalize Issued Card

Allows you to change the personal details of the eWallet contact.

Issuing a Card Using the Rapyd API

To issue a card using the Rapyd API:

  1. Create a Rapyd Wallet.
  2. Issue a card to the wallet contact.
  3. Activate the card.

Issuing Cards in Bulk

Contact your Rapyd sales representative to issue a new set of cards.

We will deliver the physical cards to you. The cards that you receive will not be activated.

To activate a card that was issued in bulk:

  1. Create a Rapyd Wallet.
  2. Personalize the card and assign the card to the wallet contact.
  3. Activate the card.

Blocking a Card

You may need to block a card, such as when the card is reported stolen.

To block a card, use Update Issued Card with the following parameters:

Body Parameter

Description

card_number

Enter the number of the card to block.

status

Enter block as the card status.

Changing a Card's PIN

You may need to change the PIN code of a card, such as when the card owner forgot the PIN and requests a new one.

To change the PIN code of a card, use Set PIN Code for Issued Card with the following parameters:

Body Parameter

Description

card_number

Enter the number of the card to update.

pin

Enter the new PIN code.

Want to learn more?

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Looking for more in-depth technical information?

Want to see the Rapyd API methods and objects that you'll use?
Visit the Rapyd API Reference Documentation for more technical details.


Updated 5 days ago


Cards


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