You can use either the Dashboard or the Create Card API endpoint to issue virtual cards to cardholders.

Virtual cards can be used immediately after successful creation (Virtual cards do not require activation process).

🖥️ Create Virtual Cards - via Dashboard

1. Create cardholder (click here to see the detail steps)

2. Navigate to the Cards > My Cards page
3. Click Create card in the top-right corner

4. Fill in the card details as required, select the cardholder that you created on step 1
5. Click Confirm to submit
6. Virtual cards do not require the user to complete an activation process. Upon approval, the card status is automatically set to Active, allowing the cardholder to begin using the card immediately.

🧑🏻‍💻 Create Virtual Cards via API

API Reference: Create Card

Steps to create virtual cards via API

1. Create cardholder

You must first create a Create Cardholders. Once a card is linked to a cardholder, the cardholder cannot be changed.

• API reference:

  • Create Cardholder

  • List Cardholders

2. List Card Products

This endpoint returns the list of card products configured under your account. If your preferred card product is not listed, please contact UQPAY for assistance.

API reference: List Card Products

Response Example:

{
  "total_pages": 1,
  "total_items": 10,
  "data": [
    {
      "product_id": "c0cef051-29c5-4796-b86a-cd5b684bfad7",
      "mode_type": "SHARE",
      "card_bin": "49372401",
      "card_form": [
        "VIR"
      ],
      "max_card_quota": 100,
      "card_scheme": "VISA",
      "no_pin_payment_amount": [
        {
          "amount": "2000",
          "currency": "USD"
        }
      ],
      "card_currency": [
        "SGD",
        "USD"
      ],
      "create_time": "2023-09-15T10:02:17+08:00",
      "update_time": "2023-09-15T10:02:17+08:00",
      "product_status": "ENABLED"
    }
  ]
}

• Card Mode: UQPAY provides two modes of cards: SINGLE mode and SHARE mode.:

• Select a product with card_form set to VIR, and save its product_id to use as the card_product_id in the Create Card endpoint.

3. Create card

Execute Create Cardholder API Endpoint to create virtual card

• Support currencies: The currency field must be set to either "USD" or "SGD". Other currencies are not supported.

• Balance Requirement: Please make sure that the issuing account has sufficient funds in the chosen currency to avoid failures.

• Webhook notification: Card Created Webhook will be sent regardless of whether the card creation succeeds or fails.

  • If card creation fails (event_type: card.create.failed will be triggered), you can contact UQPAY for support.

Note: Virtual cards do NOT require activation via the Activate Card endpoint.

{
    "version": "V1.5.2",
    "event_name": "ISSUING",
    "event_type": "card.create.succeeded",
    "event_id": "8a78af1e-de83-43a5-b177-ecbc6a8a9fc6",
    "source_id": "c0123456-2985-1196-b8cc-1234534bfad7",
    "data": {
        "card_id": "c0cef051-29c5-4796-b86a-cd5b684bfad7",
        "card_bin": "49372401",
        "card_scheme": "VISA",
        "card_number": "************5668",
        "form_factor": "VIRTUAL",
        "mode_type": "SHARE",
        "card_product_id": "12345678-1bf6-4aaa-bf16-266771425011",
        "cardholder": {
            "cardholder_id": "7c4ff2cd-1bf6-4aaa-bf16-266771425011",
            "email": "[email protected]",
            "first_name": "Emily",
            "last_name": "Toy",
            "create_time": "2024-03-21T17:17:32+08:00",
            "cardholder_status": "SUCCESS"
        },
        "spending_limits": [
            {
                "interval": "WEEKLY",
                "amount": "100.01"
            }
        ],
        "metadata": {
            "key1": "value1",
            "key2": "value2"
        },
        "card_status": "ACTIVE"
    }
}

Related

Assign physical cards via Dashboard / API