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A card belongs to one team member and draws on your card account. The API creates virtual cards; physical cards created in the dashboard (see How do I issue a Virtual or Physical card to a Team Member? in the Help Center) still appear in List cards and Retrieve a card.

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type

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planType (funding plan)

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status

Only a frozen card can be unfrozen; any other state returns 409 CARD_STATE_CONFLICT.

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Creation outcomes

Create card returns one of three:
  • 201 with status: "active": the card is ready.
  • 201 with status: "pending": created, still being set up. Poll the Location response header until it’s active.
  • 202 with status: "pendingApproval": your business uses Approvals. See Approvals.

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Freeze vs terminate

Freeze is reversible and needs a reason: lost, damaged, suspectedFraud, noLongerNeeded or other (other requires a note). lost and damaged only apply to physical cards. On a virtual card they fail with 422 FREEZE_REASON_NOT_APPLICABLE. Terminate is permanent.

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Title and lookup

title is the card’s nickname, searchable with GET /cards?title=. Start titles with your own reference, for example CMP-0001, so you can find the cards you created later.

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Limits

  • Card creation is limited per business, sharing its limit with the dashboard (429 CARD_LIMIT_EXCEEDED). If you expect to create a significant number of cards, reach out to your account manager first.
  • Creating a card requires funds on your card account (422 CARD_CREATION_REQUIRES_DEPOSIT). See How to add funds to your Reap Account in the Help Center.
  • Card currency and spend control currency must match: USD or HKD (422 CURRENCY_MISMATCH).