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.

  • 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

  • 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

Important

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.

Important
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

0

OrderPending

The order is pending fulfillment by the processor

1

Completed

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

2

Failed

The order failed at the processor

3

Authorizing

 

4

AuthorizationFailed

 

5

AuthorizationCompleted

 

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