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These operations apply to both virtual and physical cards.

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Freeze and unfreeze

Freeze a card when the cardholder misplaces it or wants to pause spending. Call Freeze a card, and Unfreeze a card to restore it. Either is available to you at any time. A frozen card declines everything, including in-store and ATM use of a physical card and any mobile wallet it has been added to. Freeze is the soft toggle. When you need a hard stop, block the card instead. See freeze and block for the difference.

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Block and unblock

Block a card when it needs a hard stop: the cardholder reports it compromised, a dispute is open, or you are holding the account pending review. Call Block a card. The card returns status: BLOCKED with blockReason.type: CLIENT_REQUESTED. Call Unblock a card to lift it. Read blockLiftable on the card first: a block Reap placed for risk or compliance reports false and returns 409 CARD_BLOCK_NOT_LIFTABLE. See blocked cards for every reason, who can lift it, and what happens to a freeze the block was hiding.

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Update PIN

Call Update PIN to set or change the cardholder’s PIN. The PIN is used for ATM withdrawals and at POS terminals that require chip-and-PIN verification. PIN requirements:
  • 4–12 digits
  • No 3 or more consecutive ascending digits (e.g. 123, 234)
  • No 3 or more repeated digits (e.g. 111, 555)

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Delete a card

Call Delete a card to delete a card when offboarding a user or closing their card program. Deletion is irreversible via the API.

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List cards

Call List cards to retrieve cards for your project. Use the accountId filter to scope results to a specific user’s account. This is the most common use case when showing a cardholder their own cards.