Card Modes: Singe vs. Share

Single Mode

The concept of SINGLE mode is similar to prepaid cards, which require pre-loading with funds.
Funds must be deposited into the card in advance.

Single Mode Card Creation

When creating a Single Mode card, funds are transferred from the issuing account to the card.
During Single Mode card creation, if the issuing account balance is less than the card_limit, creation will fail.

Share Mode

Co-share the funds in the card issuing account and you can set specific card limit on a card.

The concept of SHARE mode is similar to debit cards, directly linked to the issuing account, with spending instantly deducted from the account balance, making them ideal for scenarios requiring direct access to funds while avoiding overdrafts.

Share Mode Card Creation

When creating a Share Mode card, no prior deposit is required. Therefore, even if the issuing account balance is less than the card_limit, the creation will not fail.

Single Mode V.S. Share Mode

Feature	SINGLE mode	SHARE Mode
Funding Mechanism	Cards must be pre-funded before use.	Cards share funds from the main issuing account.
Recharge Support	✅ Supports recharge (adding funds to the card).	✅ Supports recharge (increases card_available_balance without transferring funds).
Withdrawal Support	✅ Supports withdrawal of available balances.	✅ Supports withdrawal of available balances.
Card Limit Control	❌ The single card does NOT support changing card limits.	✅ Allows setting specific card limits for each card.
Card Creation	During card creation, issuing account balance must be greater than card_limit	During card creation, NO limitation for Issuing account balance
Card Cancellation and Refund Process	The remaining balance is returned automatically	No refund is required, as no funds were ever transferred into the card when it was created