Instant Card Issuance allows merchants to issue cards that can be instantly used and activated for transactions.

Key features and benefits of this solution include:

• Instant card activation for immediate use
• Virtual card functionality with instant availability
• Real-time availability of CVV iframe

Card Creation API Changes

StraitsX will provide a new product opaque ID for instant card issuing. Merchant need to pass this product opaque ID to card create api to enable customer issuing instant card.

Details:

• Step 1: Follow the specs on Create User .
• Step 2: StraitsX Cards API will return the customer data that has been created.
• Step 3: Follow the specs on Create Card.
• Step 4: StraitsX will pick one of the pre-generated cards from the pool.
• Step 5: StraitsX Cards API will return the picked card data.
• Step 6: Follow the specs on Request Card for Printing. This step is optional for merchants that have "Create Now, Print Later" feature enabled. Merchants can initiate this step when customers want their card to be printed.
• Step 7: StraitsX will add cards to the batch printing schedule.
• StraitsX will provide a new product opaque ID for instant issuing card.
• Merchants need to pass this product opaque ID to the card creation API to enable customers to issue instant cards.
• Merchants can still use the current card creation flow using the existing product opaque ID that StraitsX share previously by passing non instant issuing card product opaque ID.
• If the card pool is empty, the StraitsX merchant API will return error code XFC400068 card pool is empty with HTTP code 400. StraitsX will be responsible for generating the pool of cards.
• On the card creation API response, StraitsX added a remaining_card_in_pool field to indicate the number of cards remaining in the pool.

{
  "card": {
    "opaque_id": "01FMP1M3YSDXR29WFGSYKEQRWA",
    "truncated_card_number": "4665********7928",
    "card_type": "PHYSICAL",
    "card_status": "INACTIVE",
    "card_delivery_status": "UNORDERED",
    "expiry_date": "2022-06",
    "is_pin_set": false,
    "latest_card_number": {
      "opaque_id": "XXXX"
    },
    "remaining_card_in_pool": 1 // Only present if card product is instant issuance
  }
}

Card Status Flow

There is no difference in the card status flow between instant card issuance and non-instant card issuance.

1. Post-Card Creation Status:

• After the creation of the card, its status will be set to INACTIVE.

2. Card Activation:

• There will be no card_activation_ready nor iframe_ready webhook send for the instant card issuance.
  • The card is eligible for activation & iframe right after creation.
• The user is required to activate the card using the Card Activation API. For further details on the activation process, please refer to the Card Activation Documentation - Activate Card.

Card Pool Management

1. Card Pool Generation

• The StraitsX Card team is responsible for creating and managing the card pool. Please consult your representative to determine the designated card count for the pool.

2. Card Pool Monitory

• Monitoring the remaining card count will be a shared responsibility between the merchant and the StraitsX Card team.
• Merchants can access information about the remaining cards in the pool through the card creation API response, specifically the remaining_card_in_pool field.
• Additionally, the StraitsX Card team will closely monitor the remaining count and promptly notify merchants if the remaining count falls below 100 cards.