Creating A Card

Please note that it's important to create a customer first, before proceeding to create a card

Also note that it's important to add an amount field when creating Mastercard Virtual card

Creating A Card (after creating a customer)
After creating a customer, a card can then be created using the cid that was returned in the response data when creating a customer. The cid in the response data above is 60febd3c-157a-4ae4-aeed-863c5530ec42. You can either create a USD visa or MasterCard virtual card for a customer.

Below is a Sample Payload

{
    "cid": "8b6b8f8b-8a95-4c1d-9cb3-8ed68238a46d",
    "currency": "USD",
    "brand": "mastercard",
    "type": "virtual",
    "chargeCurrency": "USD",
    "amount": 100 // required when brand is mastercard
}

On a successful call, you should get a response like this

{
    "success": true,
    "message": "Virtual card created",
    "data": {
        "_id": "6399158141664f1c99eedb33",
        "address": {
            "country": "US",
            "state": "CA",
            "street2": "",
            "zip": "94105",
            "city": "San Francisco",
            "street": "123 Main St",
            "_id": "6399158141664f116deedb34"
        },
        "balance": 0,
        "brand": "visa",
        "business": "63408b05cb018460343c52de",
        "cardHolderName": "Attat Harry",
        "cardHolderType": "individual",
        "cardPan": 4760580538371710,
        "cid": "8b6b8f8b-8a95-4c1d-9cb3-8ed68238a46d",
        "currency": "USD",
        "cvv": 123,
        "expiry": "08/27",
        "isActive": true,
        "maskedPan": "476058******1710",
        "type": "virtual",
        "createdAt": "2022-12-14T00:14:57.989Z",
        "updatedAt": "2022-12-14T00:14:57.989Z"
    }
}

Creating a Card with Customer data

Virtual cards can also be created by passing the customer object directly to the issuing endpoint without the cid field. But you can only do this once per customer. You'll need to pass the cid for other card creation for that customer.

Make a post request to

https://sandboxapi.fincra.com/profile/issuing

Below is a sample Payload

{
     "business":"63408b05cb018460343c52de",
     "brand": "visa",
     "type":"virtual",
     "currency":"USD",
     "amount": 1000, // required when brand is mastercard
     "customer": {
         "identifier": "Teal",
          "business":"63408b05cb018460343c52de",
          "email": "[email protected]",
          "firstName": "Harry",
          "lastName": "Attat",
          "dob":"1990-10-10",
          "phone": {
               "countryCode":"+234",
               "number":"08142986562"
          },
          "chargeCurrency": "USD",
          "address": {
               "country": "NG",
               "zip": "100000",
               "street": "No 4 Babawa Street",
               "state": "Lagos State",
               "city": "Amuwo"
          },
          "documents": [
               {
                    "image": "https://wiki.nimc.gov.ng/mobile_userguide/pins_female.png",
                    "type": "passport",
                    "number": "A08511194",
                    "issuedCountryCode": "NG",
                    "issuedBy": "Goverment",
                    "issuedDate": "2022-10-10",
                    "expirationDate": "2027-10-10"
               }
          ]
     }
}

On Passing all fields correctly, you should get a response like this

{
    "success": true,
    "message": "Virtual card created",
    "data": {
        "_id": "63991b3e41664f4c97eedb4d",
        "address": {
            "country": "US",
            "state": "CA",
            "street2": "",
            "zip": "94105",
            "city": "San Francisco",
            "street": "123 Main St",
            "_id": "63991b3e41664f71c5eedb4e"
        },
        "balance": 0,
        "brand": "visa",
        "business": "63408b05cb018460343c52de",
        "cardHolderName": "Attat Harry",
        "cardHolderType": "individual",
        "cardPan": 4478024185831844,
        "cid": "7dd76f81-08c7-4f15-a473-2d9e438f1f72",
        "currency": "USD",
        "cvv": 123,
        "expiry": "08/27",
        "isActive": true,
        "maskedPan": "447802******1844",
        "type": "virtual",
        "createdAt": "2022-12-14T00:39:26.380Z",
        "updatedAt": "2022-12-14T00:39:26.380Z"
    }
}

Please note that amount is an important field to be passed in the payload when creating a MasterCard virtual card