Card issuing management overview

Cross River card issuing lets you offer customers different types of debit card products. These products, known as instrument types, include contact-less and virtual cards. CR card issuing in our banking core uses i2c as the payment processor, but can adapt to other card processors.

Debit card product management

Card configuration

Manage your customer's cards by working with CR to decide what you want to offer, such as physical or virtual cards. This is the card configuration. CR creates a card configuration profile for you for each instrument type you choose for your customers. Once created, we give you a configurationId for each instrument type you are offering. You need this configuration ID when asking COS to create a new card for a customer.

Card creation

To create a card, you need a valid deposit account number, the configuration ID, and other card-specific information such as the name and address of the cardholder. A newly created card is not activated.

Card activation and issuing

Cards can only be used once they are activated. To activate the card, use the activate endpoint with the COS card ID.

Card status

Cards include different types of status: The status (card status) and the order status. These indicate different things.

The card status also contributes to the card state.

The status attribute is the activation status of the card and if the card can be used by the cardholder:

  • Unactivated - The card has not been activated by the cardholder

  • Active - The card is active and ready for use

  • Suspended - The card is currently suspended

  • Closed - The card is closed

The orderStatus attribute is the current status of the order:

  • Order Pending - The order is pending fulfillment by the processor

  • Completed - The order has been fulfilled by the processor. For physical cards, the card is being printed and mailed to the cardholder

  • Failed - The order failed at the processor level

The status of a newly created card is Unactivated and the order status is OrderPending. The order status updates to Completed when the order is complete. For physical cards, this means the card has been mailed to the customer.

Managing a card program may require you to update card statuses for specific scenarios. For example, you may want to offer your customers added security by allowing them to temporarily suspend a card that has been misplaced.

Update activated card status when necessary to suspend, block, or close a card:

  • Suspended

    Suspending a card temporarily inactivates it until you remove the suspension by activating the card again. The cardholder is allowed to remove this block.

  • Placed on administrative block

    An administrative block means that the card is both suspended and has been blocked using the admin-block endpoint. Only an admin can remove this block.

  • Closed


Once the card is closed, it cannot be reactivated.

Card states

A given card status can be due to more than one reason. For example, a card might be suspended because it was lost, stolen, or blocked due to fraud. Knowing the reason for a given status is important to manage the card life cycle. At CR we call combination of status and other attributes card state.

You see the card state in the Cards.Status.Changed webhook event.


You need to register to receive a webhook.

Card state

Card status

Other related fields and their values

Card has never been Activated



Card Activated



Card Closed



Card Lost


StatusReasonCode = Lost

Card Stolen


StatusReasonCode = Stolen

Admin Blocked


AdminBlocked = true

Fraud Blocked


FraudSuspect = true

StatusReasonCode = FraudBlocked

Card Suspended by User


StatusReasonCode = NotSet

Card Unsuspended by User or Admin


StatusReasonCode = NotSet

FraudSuspect = false

AdminBlocked = false

Card replacement and cancellation

Order a replacement for damaged, lost or stolen cards using the replace endpoint. Damaged cards remain active until the cardholder activates the replacement card. Lost or stolen cards are immediately closed and a replacement card is issued.

When you replace a card, you must make the replacement card the primary card in the CR system to avoid issues once the card is supplied.