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 COS 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 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.

Card profiles

Modify cardholder information such as the nameOnCard (cardholder name), Billing Address, Shipping Address, Phone and Email Address using the profile endpoint.

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.

Set card PIN

Use the pin endpoint to set a customer personal identification number (PIN). This will be the customer's ATM PIN.

Business reference information

Card category

In response to many card issuing calls, the category field indicates the card category.

Card status

In response to many card issuing calls, the status field indicates the activation status of the card

Card status reason

In response to many card issuing calls, the statusReasonCode field indicates the reason for the activation status supplied in the status field.

Order status

In response to many card issuing calls, the orderStatus field indicates the status of the card order.

Instrument type

In response to many card issuing calls, the paymentInstrument field indicates the type of card.

Processing code

In the response to GET /cardmanagement/v1/transactions, the processingCode field indicates the what process took place for a given transaction.

Transaction message type

In the response to GET /cardmanagement/v1/transactions, the messageType field indicates the message type related to the transaction

Transaction response code

In the response to GET /cardmanagement/v1/transactions, the outboundResponseCode field indicates the outbound response code related to the transaction

Error codes