Before creating a card, usually confirm that:
Card creation usually includes selecting a card product, linking a cardholder, setting card information, and submitting the creation request.
Choose the card product that matches the business scenario, such as a U.S. product or an international product, and the corresponding card network. View the card products enabled and available for creation for the current account in the platform. Actual availability is determined by the account configuration.
When creating cards through the API, first use the List card products API to retrieve the card products available to the account, then provide the relevant product identifier in the creation request.
Select a cardholder from the existing cardholder list and bind the card to that cardholder.
Current card creation mainly involves the following information:
| Item | Description |
|---|---|
| Cardholder | User associated with the card |
| Initial amount | Initial amount set when creating the card |
Actual fields and display methods depend on the Dashboard or API capability.
After confirming the information, submit the creation request. After the card is created successfully, the system generates the virtual card and the card enters a usable status.
After a card is created and enters a usable status, the following actions can be taken for fund management, usage controls, and operational reconciliation:
After a card is created successfully, it enters the ACTIVE status. A card can subsequently change status because of merchant management actions, system risk controls, termination, or expiration.
| Status | Description |
|---|---|
ACTIVE | The card is active and can be used normally |
FROZEN | The card is frozen and temporarily unavailable, but incoming postings such as refunds are not affected |
SYSTEM_FROZEN | The card is automatically frozen after triggering risk control rules to protect fund security. Merchants cannot unfreeze it themselves. See Freeze and unfreeze cards |
TERMINATED | The card has been terminated and can no longer be used |
EXPIRED | The card has expired |
The following state machine presents the primary virtual card statuses and transition triggers:
A frozen card also enters the relevant terminal status when terminated or expired. TERMINATED and EXPIRED are terminal statuses and cannot return to a usable status. SYSTEM_FROZEN cards cannot be unfrozen by merchants. Contact the ONERWAY support team for handling. See Freeze and unfreeze cards.
Cards can be created through the Dashboard or API. Available methods depend on the account capabilities.
When integrating through the API, use the Create card API to create a card, and then query the card status and related information.