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Core API
Transactional FX
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OverviewUnderstanding Banking as a ServiceSupported regions and currencies
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Create a card
Create individual cards
Physical and digital cardsCardholder statuses
Simulate transactions on issued cards
Authorization controls
Remote authorization
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Create individual cards

Individual cards are cards issued to named individuals who are authorized representatives of your business. The individual’s name is listed against the card, and the cards may be issued as virtual or physical cards as well as added to a digital wallet if supported in the applicable region. Individual cards may be issued to employees, contractors, or any representative of the business.

Learn how to create individual cards and retrieve card details.

Before you begin

Step 1: Create a cardholder

Individual cards require a cardholder against whom the card will be issued. Use Create a Cardholder API to create a cardholder object with the required parameters such as name, email, address, etc.

You must also provide the individual.express_consent_obtained parameter, and set it to yes to confirm cardholder's consent for identity verification. This consent allows Airwallex to verify the cardholder's identity with Airwallex service providers and database owners in accordance with the Identity Verification Terms

The response returns the cardholder object with all the request parameters, and the following cardholder details:

Some regions may require additional KYC identification information such as passport, driver's license, etc., to verify cardholder's identity. If required, upload document images using File Service API.

Example request
Example response

Step 2: Create an individual card

After successfully creating a cardholder, create an individual card and assign it to the cardholder. Submit Create a card API request by providing the following parameters:

  • issue_to: Set this to INDIVIDUAL to indicate that you want the card issued to an individual.
  • cardholder_id: Use the cardholder_id returned in Create a Cardholder API response.
  • form_factor: Set this to VIRTUAL or PHYSICAL (if applicable for your region). For information on requirements for physical cards, see Physical cards.
  • type: The type of card. If you do not provide a value, the default configuration on your account setting is used. Possible values: PREPAID, DEBIT, GOOD_FUNDS_CREDIT.
  • created_by: Your full legal name.
  • request_id: Specify a unique request ID.
  • authorization_controls.allowed_transaction_count: Specify whether the card is a single (SINGLE) or multi-use (MULTIPLE) card. Single-use cards can only be used for one successful debit transaction.
  • authorization_controls.allowed_transaction_limits: Set limits on transactions such as transaction amount, intervals, etc. See Transaction limits.

The response returns the card object with all the request parameters, and the following card details:

  • card_id: A unique identifier of the card object. You can use this to:
  • card_number: A masked card number.
  • card_status: The status of the card (see Card statuses). A virtual card will be automatically set to ACTIVE so you can use the card to transact immediately. For physical cards, see Activate a card.

The cardholder status must be READY for individual cards to be issued.

Example request
Example response

Step 3: Retrieve sensitive card details

As an Airwallex customer, you can retrieve sensitive card details of your individual cardholders anytime after card creation as long as you are PCI compliant . To retrieve full PAN and CVV, call Get sensitive card details API by providing the card_id in the endpoint URL.

Alternatively, you can serve up card details via PAN delegation (does not require PCI compliance).

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