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Team members are the people on your Business Account team. The API reads them; it can’t invite or edit them, that’s dashboard only. To give someone a card, invite them in the dashboard first (see Managing Your Team in the Help Center), then use their userId as cardholderId on Create card.
Team members must be employees or contractors of your company. The Business Account is a corporate account, so cards can only be issued to people who work for the business.

Key fields

inviteStatus

Anyone whose status isn’t approved fails card creation with 422 CARDHOLDER_NOT_FOUND.