Card fund management

Card fund management covers positive and reverse fund transfers for prepaid cards: adding available balance to a card and returning available balance to the merchant's corresponding currency account.

Card top-up

Card top-up increases the available balance of a specified card. After a top-up succeeds, the card balance increases and can be used in spending scenarios supported by the product.

Funds are transferred from the merchant's corresponding currency account to the card balance.

Before topping up, make sure the issuing funding account has enough available balance. If the account balance is insufficient, the top-up may fail.

Before topping up

Before initiating a card top-up, confirm that:

• The card status supports continued use
• The issuing funding account has enough available balance
• The top-up amount matches the current business budget and product rules
• The top-up currency matches the card settlement currency
• The card balance after top-up matches the planned card usage

Top-up operation

Card top-up can usually be initiated through the Dashboard. The actual entry point and capabilities depend on the Dashboard display.

Through the Dashboard:

1. Go to the card details page
2. Click “Top up”
3. Enter the top-up amount
4. Confirm the top-up

Through the API:

Use the Top-up API to initiate a top-up by specifying the card ID and top-up amount. After the status is updated, the card balance increases accordingly.

Top-up result

After the top-up succeeds, the card's available balance increases. The card details page usually shows:

• Updated balance
• Basic card information
• Top-up-related records or recent activity

If the Dashboard displays corresponding activity records, the top-up result is usually reflected in later fund movement records. Actual display depends on page capabilities.

Top-up limits

• The top-up amount must be positive
• Each top-up must fall within the product's configured minimum and maximum amount limits. A top-up below the minimum or above the maximum cannot be completed. Refer to the Dashboard for the applicable limits.
• If the account available balance is insufficient, the top-up may fail
• Terminated, expired, or unsupported cards cannot be topped up
• Top-up arrival time and result status depend on the actual processing result
• Plan top-up amounts based on actual card usage and avoid assigning too much balance to a single card at once
• If page display, arrival time, or field names differ, follow the actual Dashboard capabilities

Balance return

Balance return transfers the current available balance on a specified card back to the merchant's corresponding currency account. After the return succeeds, the card's available balance decreases and the funds are available for redistribution or centralized management.

Funds are transferred from the card balance back to the merchant's corresponding currency account.

Before returning balance, make sure the card has refundable balance. If the available balance is insufficient or the card status does not support balance return, the operation may fail.

Before returning balance

Before initiating a balance return, confirm that:

• The current card status supports balance return
• The current available card balance is greater than the return amount
• The return amount matches the current business arrangement and product rules
• The return currency matches the merchant's corresponding currency account
• The returned funds need to be redistributed to other cards or business scenarios after return

Balance return operation

Card balance return can usually be initiated through the Dashboard. The actual entry point and capabilities depend on the Dashboard display.

Through the Dashboard:

1. Go to the card details page
2. Click “Return balance” or the corresponding balance return operation
3. Confirm the return amount
4. Confirm and submit

Through the API:

Use the Balance return API to initiate the operation by specifying the card ID and return amount. After the status is updated, funds return to the merchant's corresponding currency account.

Balance return result

After the balance return succeeds, the card's available balance decreases and the funds return to the merchant's currency account. The card details page usually shows the updated balance, balance return records, and recent fund movements.

Balance return limits

• The balance return amount cannot exceed the current available card balance
• The operation may fail if the card status is abnormal, terminated, expired, or does not support balance return
• Balance return arrival time and result status depend on the actual processing result
• After balance return is complete, verify the fund movement in card details or account balance
• If page display, arrival time, or field names differ, follow the actual Dashboard capabilities