> ## Documentation Index > Fetch the complete documentation index at: https://docs.reap.global/llms.txt > Use this file to discover all available pages before exploring further. # Create card > Creates a new virtual or physical card for a user. User must have approved application; account must be active. The phone number used for OTP verification is taken from the user record; the card is issued against the user's verified identity. ## OpenAPI ````yaml /api-reference/openapi.json post /cards/ openapi: 3.1.0 info: title: Reap API version: 1.0.0 description: Reap platform API servers: - url: https://sandbox.api.reap.global description: Sandbox - url: https://prod.api.reap.global description: Production security: - bearerAuth: [] tags: - name: Accounts - name: Activities - name: Card Designs - name: Card Shipments - name: Card Transactions - name: Cards - name: Companies - name: Crypto Deposits - name: Policies - name: Simulation - name: Users - name: Virtual Asset Postings - name: Virtual Assets - name: Webhooks paths: /cards/: post: tags: - Cards summary: Create card description: >- Creates a new virtual or physical card for a user. User must have approved application; account must be active. The phone number used for OTP verification is taken from the user record; the card is issued against the user's verified identity. operationId: create_cards parameters: - name: Reap-Version in: header required: true schema: type: string enum: - '2025-02-14' description: API version (YYYY-MM-DD) example: '2025-02-14' - name: Idempotency-Key in: header required: true schema: type: string minLength: 1 maxLength: 255 description: >- Unique key for safely retrying this request. Up to 255 characters; we recommend a UUIDv4. The first request executes and its response is cached; subsequent requests with the same key replay the cached response (24h retention). requestBody: description: Request body for creating a new card required: true content: application/json: schema: type: object properties: userId: description: ID of the user to create the card for type: string format: uuid accountId: description: ID of the account to link the card to type: string format: uuid type: type: string enum: - VIRTUAL - PHYSICAL description: Card type (`VIRTUAL` or `PHYSICAL`) example: VIRTUAL 3dsChallengeMethod: default: SMS description: >- 3DS challenge verification method. Defaults to `SMS` if not specified. type: string enum: - SMS - WEBHOOK example: SMS cardDesignId: description: >- Card design to use. Defaults to the project default design when not specified. Throws error when default is not configured and no value is passed here. type: string required: - userId - accountId - type application/x-www-form-urlencoded: schema: type: object properties: userId: description: ID of the user to create the card for type: string format: uuid accountId: description: ID of the account to link the card to type: string format: uuid type: type: string enum: - VIRTUAL - PHYSICAL description: Card type (`VIRTUAL` or `PHYSICAL`) example: VIRTUAL 3dsChallengeMethod: default: SMS description: >- 3DS challenge verification method. Defaults to `SMS` if not specified. type: string enum: - SMS - WEBHOOK example: SMS cardDesignId: description: >- Card design to use. Defaults to the project default design when not specified. Throws error when default is not configured and no value is passed here. type: string required: - userId - accountId - type multipart/form-data: schema: type: object properties: userId: description: ID of the user to create the card for type: string format: uuid accountId: description: ID of the account to link the card to type: string format: uuid type: type: string enum: - VIRTUAL - PHYSICAL description: Card type (`VIRTUAL` or `PHYSICAL`) example: VIRTUAL 3dsChallengeMethod: default: SMS description: >- 3DS challenge verification method. Defaults to `SMS` if not specified. type: string enum: - SMS - WEBHOOK example: SMS cardDesignId: description: >- Card design to use. Defaults to the project default design when not specified. Throws error when default is not configured and no value is passed here. type: string required: - userId - accountId - type responses: '200': description: Card resource content: application/json: schema: $ref: '#/components/schemas/Card' '400': description: Response for status 400 content: application/json: schema: anyOf: - type: object properties: error: type: object properties: code: type: string const: USER_APPLICATION_NOT_APPROVED message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: UserApplicationNotApprovedError description: User application is not approved; cannot create card - type: object properties: error: type: object properties: code: type: string const: CARD_COMPANY_NOT_FOUND message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: CardCompanyNotFoundError description: Company not found - type: object properties: error: type: object properties: code: type: string const: CARD_COMPANY_NOT_ACTIVE message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: CardCompanyNotActiveError description: Company is not active; cannot create card - type: object properties: error: type: object properties: code: type: string const: CARD_ACCOUNT_NOT_FOUND message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: CardAccountNotFoundError description: Account not found - type: object properties: error: type: object properties: code: type: string const: ACCOUNT_OWNER_MISMATCH message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: AccountOwnerMismatchError description: Account does not belong to user - type: object properties: error: type: object properties: code: type: string const: ACCOUNT_NOT_ACTIVE message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: AccountNotActiveError description: Account is not active - type: object properties: error: type: object properties: code: type: string const: ACCOUNT_NOT_ELIGIBLE message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: AccountNotEligibleError description: Account is not eligible for card issuance - type: object properties: error: type: object properties: code: type: string const: CARD_DESIGN_NOT_ACTIVE message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: CardDesignNotActiveError description: Card design is no longer active - type: object properties: error: type: object properties: code: type: string const: DEFAULT_CARD_DESIGN_NOT_CONFIGURED message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: DefaultCardDesignNotConfiguredError description: >- No card design was supplied and the project has no default card design configured '404': description: Response for status 404 content: application/json: schema: anyOf: - type: object properties: error: type: object properties: code: type: string const: CARD_USER_NOT_FOUND message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: CardUserNotFoundError description: User not found - type: object properties: error: type: object properties: code: type: string const: CARD_DESIGN_NOT_FOUND message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: CardDesignNotFoundError description: Card design not found '409': description: Response for status 409 content: application/json: schema: anyOf: - type: object properties: error: type: object properties: code: type: string const: CARD_QUOTA_EXCEEDED message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: CardQuotaExceededError description: >- The maximum number of cards allowed for this project has been reached - type: object properties: error: type: object properties: code: type: string const: AUTHORIZATION_ENDPOINT_REQUIRED message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: AuthorizationEndpointRequiredError description: >- An authorization webhook must be registered before issuing cards for this project '422': description: Validation failed content: application/json: schema: type: object properties: error: type: object properties: code: type: string const: VALIDATION_FAILED message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: UnprocessableEntityError components: schemas: Card: type: object properties: id: type: string format: uuid description: Unique card identifier accountId: type: string format: uuid description: ID of the account the card belongs to userId: type: string format: uuid description: ID of the user the card belongs to type: type: string enum: - VIRTUAL - PHYSICAL description: Card type (`VIRTUAL` or `PHYSICAL`) example: VIRTUAL status: type: string enum: - ACTIVE - FROZEN - BLOCKED - EXPIRED description: Current card status example: ACTIVE blockReason: anyOf: - $ref: '#/components/schemas/CardBlockReason' title: CardBlockReason - type: 'null' description: Block reason details (only present when status is `BLOCKED`) cardholderName: type: string description: Cardholder name displayed on card last4: type: string description: >- Last 4 digits of the card number. Use reveal endpoint for full details. 3dsChallengeMethod: type: string enum: - SMS - WEBHOOK description: 3DS challenge verification method example: SMS physicalCardStatus: anyOf: - type: string enum: - NOT_ORDERED - REQUESTED - IN_PRODUCTION - PRODUCTION_COMPLETED - IN_TRANSIT - OUT_FOR_DELIVERY - DELIVERED - ACTIVATED - CANCELED - DELIVERY_FAILED - EXCEPTION example: NOT_ORDERED - type: 'null' description: >- Physical lifecycle of the card (production + shipping + activation rollup). Defaults to `NOT_ORDERED` for newly created physical cards. `null` for virtual cards, which have no physical lifecycle. createdAt: type: string description: ISO 8601 timestamp of creation updatedAt: type: string description: ISO 8601 timestamp of last update required: - id - accountId - userId - type - status - blockReason - cardholderName - last4 - 3dsChallengeMethod - physicalCardStatus - createdAt - updatedAt CardBlockReason: type: object properties: type: type: string enum: - SUSPECTED_FRAUD_CVV - SUSPECTED_FRAUD_EXPIRY - SUSPECTED_FRAUD_PIN - ACCOUNT_RESTRICTED - OTHER description: Machine-readable code for the block reason example: SUSPECTED_FRAUD_CVV message: type: string description: Human-readable message for the block reason required: - type - message description: Card block reason details securitySchemes: bearerAuth: type: http scheme: bearer description: API key as Bearer token ````