card

Core Resources / Cards

Overview

Card Resources manage card state. Cards are issued in relation to the BIN defined in the base program setup. By default, when a card is newly issued or re-issued it only exists in its digital form. A subsequent optional request can be made to order a physical card with physical card fulfillment details defined on the program. Card data can be requested via the Views API using PGP encryption for digital presentment. Cards can be blocked for general reasons, fraud, merchant risk, purchase risk, incorrect PIN or because it is canceled. Cards can be unblocked once they have been blocked.

Concepts

Blocked

When a card is blocked authorizations will not be allowed. Cards are often blocked based on authentication, fraud, risk or cancellation scenarios.

BIN

BIN stands for bank identification number and is used to identify the issuing bank.

Card

A card is a set of data represented uniquely by a payment card number.

Initial Issuance

The initial issuance of a card.

Issuer Processor

The issuer processor processes the card purchase authorization messages received from the card network. Xformative is an issuer processor.

Physical Card

A physical card is card made of the many optional real materials such as plastic or in some cases metal.

Re-issued

When a card is reissued it is commonly due to lost, stolen or expired scenarios.

Unblocked

When a card is unblocked card authorizations are allowed.

Events

new-card

Triggers a new card event to be processed. The process creates a new digital card.

order-physical-card

Triggers an order physical card event to be processed. The process starts the physical card fulfillment process.

card-reissuance

Triggers a card reissuance event to be processed. The process issues a digital card with a new number and recalculates the expiration date. Physical cards must be re-ordered.

card-block

Triggers a card block event to be processed. The process temporarily blocks the card so no new authorizations can be placed using it.

card-unblock

Triggers a card unblock event to be processed. The process unblocks a card so authorizations can be placed using it.

set-card-pin

Triggers a set card PIN event to be processed. The process sets the pin for a specific card identified by the token.