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, with the ability to 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.

status
attribute is the activation status of the card and if the card can be used by the card holder:
-
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

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.

-
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 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

Category |
Description |
---|---|
Debit |
Debit card |
Credit |
Credit card |
Prepaid |
Prepaid card |

Status |
Description |
---|---|
Inactive |
The configuration profile is inactive |
Active |
The configuration profile is active |

Status |
Description |
---|---|
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 |

Reason |
Description |
---|---|
Not Set |
|
Damaged |
The card is damaged |
Expired |
The card is expired |
Lost Stolen |
The card has been reported lost or stolen |
Fraud Compromised |
The card has been compromised and closed for fraud reasons |
Return |
|
New Enrollment |
|

Type |
Description |
---|---|
Activation Fee |
|
Replacement Fee |
|

Value |
Status |
Description |
---|---|---|
|
|
The order is pending fulfillment by the processor |
|
|
The order has been fulfilled by the processor. For physical cards, the card is being printed and mailed to the cardholder. |
|
|
The order failed at the processor |
|
|
|
|
|
|
|
|
|

Cards can be one of the following instrument types:
Type |
Description |
---|---|
Physical MSR |
Physical card with a magnetic strip |
PhysicaI CC |
Physical card with a chip |
Physical Contactless |
Physical card using RFID |
Physical Combo |
Physical card with a chip that supports contactless payments |
Virtual Pan |
Virtual card |

Type |
Description |
---|---|
Home |
Home phone number |
Mobile |
Mobile or cell phone number |
Work |
Work phone number |

Code |
Definition |
---|---|
00 |
Purchase |
01 |
Withdrawal |
02 |
Debit Adjustment |
03 |
Guarantee with Conversion (POS Check Service) (Future Use) |
04 |
Verification with Conversion (POS Check Service) (Future Use) |
06 |
Traveler Check |
09 |
Purchase with Cash Back |
10 |
Account Funding |
11 |
Quasi-Cash Transaction–Debit or Internet Gambling Transaction |
13 |
Funds Withdrawal for Electronic Purse |
17 |
Cash Disbursement |
18 |
Deferred Goods and Services/Scrip Issue/Conversion Only (POS Check Service) (Future Use) |
19 |
Debit Fee Collection/Deferred Goods and Services With Cash Disbursement |
20 |
Credit Return (of goods)/Credit Transaction/Credit Voucher or Merchandise/Return Authorization (U.S. Only)/Purchase Return/Refund |
21 |
Deposit |
22 |
Credit Adjustment |
23 |
Check Deposit Guarantee |
24 |
Check Deposit |
25 |
Envelope-less Cash Deposit |
26 |
Original Credit |
28 |
Prepaid Activation and Load Prepaid Load/Payment Transaction |
29 |
Credit Funds Disbursement/Primary Credit |
30 |
Available Funds Inquiry/Commercial Deposit |
31 |
Balance Inquiry |
33 |
Account Updater Code/Account Verification (Future Use) |
34 |
ATM Mini Statement |
49 |
Eligibility Inquiry/Generic Balance Inquiry (Future Use) |
40 |
Cardholder Account Transfer |
50 |
Bill Payment/Payment to Another Party |
53 |
Payment (U.S. only) |
54 |
Payment Debit (P2P) |
55 |
Payment from Third Party |
56 |
Payment Credit (P2P) |
58 |
Payment from Account to Credit/Loan |
59 |
Payment Enclosed |
72 |
Prepaid Activation |
91 |
PIN Unblock |
92 |
PIN Change |

Not applicable |
Pending |
Completed |
Failed |

Reason |
Description |
---|---|
Damaged |
|
Lost Stolen |
|
Fraud Compromised |
|
Returned |
|
Expired |

-
Normal
-
Expedited

Type |
---|
Authorization |
Authorization Advice |
Financial |
Financial Advice |
Reversal Request |
Network Management Request |

Code |
Definition |
---|---|
00 | Approved |
01 | Refer to Card Issuer |
02 | Refer to Card Issuer Special Condition |
03 | Invalid Merchant |
04 | Lost or Stolen Card |
05 | Do not Honor |
06 | Error |
07 | Pickup Card, Special Condition |
08 | Honor with Identification |
10 | Approved Partial Amount |
12 | Invalid Transaction |
13 | Invalid Amount |
14 | Invalid Card Number |
15 | Invalid Issuer |
17 | Customer Cancellation Reversal |
27 | Issuer File Update Field Edit Error |
30 | Format Error |
31 | Bank Not Supported by Switch - Future Use |
32 | Partial Reversal |
33 | Expired Card Pickup |
34 | Suspect Fraud |
39 | No Credit Account - Future Use |
40 | Requested Function Not Supported |
41 | Lost Card Not Captured |
42 | No universal account |
43 | Stolen Card Pickup |
51 | Insufficient Funds |
52 | No Checking Account - Future Use |
53 | No Savings Account - Future Use |
54 | Expired Card |
55 | Invalid PIN |
56 | No Card Account |
57 | Transaction not Permitted to Cardholder |
58 | Transaction Not Permitted to Acquirer |
59 | Suspected Fraud |
61 | Exceeds Withdrawal Amount Limit |
62 | Restricted Card |
63 | Security Violation |
64 | Original Amount Incorrect Reversal |
65 | Exceeds Withdrawal Frequency Limit |
68 | Response Received Late |
70 | Invalid Transaction Contact Card Issuer |
71 | PIN Change Decline |
75 | Allowed Number of PIN Tries Exceeded |
76 | Invalid Nonexistent To Account Specified - Future Use |
77 | Invalid Nonexistent From Account Specified - Future Use |
78 | Invalid Nonexistent Account Specified General - Future Use |
79 | Key Exchange Validation Failed |
80 | System Not Available - Future Use |
81 | Invalid Transaction PIN Block Format Error |
82 | Time Out Issuer |
84 | Invalid Authorization LifeCycle |
85 | Approved Account Verification |
86 | PIN Validation Not Possible |
87 | Approved Purchase Only |
88 | Invalid Transaction CVV2 Format Error |
89 | Bad Expiry Date |
91 | Issuer Switch Inoperative |
92 | Route Unable Transaction |
93 | Transaction Cannot be Completed |
94 | Duplicate Transmission |
96 | System Error |
97 | Already Activated Card |
99 | Approve Transaction Super Green Path |
AT | Auth Host Timed Out |
CD | Cryptogram Decline |
CN | Invalid Currency |
DN | Auth Host Down |
E7 | Bad CVV2 Expiry Date |
GA | General AVS Decline |
GC | General Card Decline |
GV | General CVV2 Decline |
PA | Pre Active Card |
PF | Invalid Status Purse |
PI | PIN Change Fail Invalid Data |
PL | Bad PIN Invalid PIN Block Length |
SA | Inactive Card |
SD | Account Closed |
TM | Card Technology Mismatch |
1A | Strong Customer Authentication Required |
AI | ATC Validation Failed |

Code | Description |
---|---|
1000 | General exception |
2000 | General exception |
2001 | CustomerId was not found or not associated with Card |
2002 | Card can not be activated |
2003 | Card was already activated |
2004 | Card can not be suspended |
2005 | Card is not suspended |
2006 | Card is already closed |
2007 | PIN cannot be set on closed cards |
2008 | Account relationship type is not eligible for debit cards |
2009 | Account does not belong to customer |
2010 | Card Order has not completed processing |
2011 | Card is closed |
2012 | Request has not completed |
2015 | Primary card not found |
2020 | Card not found |
2021 | Processor Card Id is invalid |
2022 | Customer already has a card for this account |
2023 | Card Order must be complete |
2024 | Card has not been activated |
2025 | Card is already suspended |
2026 | Card is already AdminBlocked |
2027 | Card Configuration not found |
2028 | Card Provider not found |
2029 | Card not found at processor |
2030 | Card order is not complete |
2031 | Company Name can only be used on cards associated with business accounts |
2032 | Card Replacement has not completed |
2033 | Pin must be four digits |
2034 | Card has already been replaced |
2100 | Cards Not Enabled On Product |
2101 | Card Config Not Found |
2102 | Card Config Change Not Pending |
2103 | Card Config Not Associated With Product |
2104 | Card Config Not Enabled |
2105 | ShippingType not supported by card configuratio |
2106 | CardConfigStatus must be provided on updates |
2150 | Change not approved |
2151 | Product change not pending |
2152 | Product config change approval requires dual control |
2153 | Product config required |
2200 | TCP Error |
2301 | Account not found |
2302 | Account is closed |
2350 | Authorization already been cleared |
2351 | Auth was not found |
2352 | Error occurred generating referenceid |
2353 | Transaction was not found |
2354 | Transaction has already been reversed |
2355 | Transaction Category is not valid |
2356 | Transaction Type is not valid with this Category |
2357 | Authorization was reversed |
2375 | PrimaryCustomerId was not found |
2376 | ParentCustomerId was not found |
2377 | Bin Sponsorship Card Already Exists |
2378 | Primary Customer and Parent Customer Must Have The Same PartnerId |
2380 | Bin Sponsorship Card was not found |
3000 | General exception |
3001 | Access denied |
3100 | Card is locked by admin |