Cards

Issue virtual debit cards, decision authorizations in real time, and reconcile transactions against internal accounts.

With Cards, you can issue virtual debit cards backed by an internal account, decision authorizations in real time against that account’s balance, and reconcile every pull, clearing, and refund against the same ledger you already use for payouts.

Card lifecycle at a glance

A card moves through five states:

State	Meaning
PENDING_KYC	Cardholder has not finished KYC; the card cannot transact yet.
PROCESSING	Card has been requested and is being provisioned with the issuer.
ACTIVE	Card is live and can authorize transactions.
FROZEN	Card is temporarily disabled. New authorizations are declined; in-flight settlements continue.
CLOSED	Card is permanently closed. Terminal, irreversible.

Every transition emits a CARD.STATE_CHANGE webhook so you can mirror state changes into your application.

What’s covered in this tab

Quickstart

Issue your first card, simulate an authorization, and watch it reconcile against an internal account.

Card management

Issue cards, bind funding sources, freeze, unfreeze, and close.

Transactions & reconciliation

The relationship between authorizations, pulls, clearings, and refunds — and how to surface exceptions.

Sandbox testing

Drive deterministic outcomes with the magic-value suffix tables.