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Payment Cards

Virtual Cards

Virtual cards return the card's number, expiration date, and CVV back to you for you to display to your Account Holders in your app or website. The UI of a Virtual Card can be styled in the way that works best for your context and brand.

Physical Cards

Once you have created a Payment Card, you can order a Physical Card for your Account Holder. The Physical Payment Card documentation covers the creation of Orders, Card Art and more.

Issue a Payment Card

Once you have created and funded a Financial Account, you can issue a Payment Card.

Activate Payment Card

You can activate a Payment Card when you issue it but there are cases where you may not want the card activated until the customer receives the physical card.

Suspend Payment Card

Use Suspend to temporarily turn off a Payment Card. Suspending a card impacts both the Virtual and Physical form factors.

Reissue Payment Card

You might need to order a Physical Card with a different expiration date than your existing Virtual Card. You might suspend, terminate and reissue, or replace a card if it is lost, damaged, or stolen. This guide will provide you with an overview of how to manage these scenarios by reissuing a card.

Reissue allows you to create a new card with the same card number or a different card number for the following use cases:

  • Your customer already has a Virtual Card and would like to now order a Physical Card. You do not want to ship an active Physical Card, but also don’t want to deactivate the Virtual Card while the Physical Card is shipping. To achieve this, you will reissue the card, with the same card number but a different expiration date and CVV.
  • The card is about to expire. You want to issue a new card, with the same card number but a different expiration date, later in the future.
  • The card was lost or stolen. You want to issue a new card, but with a different card number and expiration date.

Example

  • Call reissuePaymentCard (see example below) to create a new Payment Card. The new Payment Card will be attached to the same Financial Account as the original Payment Card. You may choose to copy the card number and/or PIN from the original Payment Card. You may choose to copy the card number and PIN from the original Payment Card. If copyNumber is true, the new Payment Card will have the same card number as the original Payment Card. You may then also choose to set copyPin to true. If you choose to update the card number, you will not be able to copy the PIN. Note, in this case, the expiration date cannot be in the same month/year as the original Payment Card. Additionally, the original Payment Card cannot be in the CLOSED state.
  • While the Physical Card is being printed and shipped to the user it is not active, as activateOnCreate is set to false. Note that even if it has the same card number, it will have a different expiration date and CVV. The Virtual Card remains active.
  • When the Physical Card is delivered to the user, you may want to activate it.

Once the Physical Card is activated, you may want to close the original Virtual Card using the closePaymentCard mutation.

Close Payment Card

Closing a Payment Card is permanent and impacts both the Virtual and Physical form factors.

Display Payment Card Details

For web-based integrations, Highnote recommends the Card Viewer SDK for displaying sensitive Payment Card information.

For iOS and Android based integrations, you can securely retrieve and display Payment Card details from the API with a client token.

View Restricted Details

Once you've generated a Client Token, you can display the Payment Card's Restricted Details.

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