---
title: Integrated card actions
slug: concepts/cards/card-lifecycle/integrated-card-actions
description: COS enables full card lifecycle management via APIs or COS Explorer, covering creation, activation, PIN setup, replacement, suspension, and closure.
docTags: 
createdAt: 2025-05-04T12:09:30.859Z
---

:::CtaButton{label="Cards APIs" docId="ctPgBWhSjawyngKlCY73a" openInNewTab="true"}

:::

## Card actions

COS supports full card lifecycle management, enabling partners to control card operations via:

- COS APIs (direct system-to-system integration)
- COS Explorer (Cross River’s operational UI)

Key lifecycle events include:

- [Card creation](docId\:JqNuGyrOXQL_0n5hPyCmv)**: **Physical or virtual. 
- [Card activation](docId\:JqNuGyrOXQL_0n5hPyCmv)**: ** Transition from Unactivated to Active. 
- [Set card PIN](docId\:JqNuGyrOXQL_0n5hPyCmv)**: **Set intial PIN for the card.
- [Replacement](docId\:JqNuGyrOXQL_0n5hPyCmv)** or re-issue: ** For lost, stolen, or expired cards
- **Suspension and unsuspension: **Temporary blocks
- **Card closure: **Permanent deactivation

:::hint{type="warning"}
Once a card is closed, it cannot be reactivated. A new card must be issued if card access is needed again.
:::

## Card creation

For card creation using our [create a new card](docId\:EJCciNVxb0oMKjA567gUM) API endpoint, 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 has the status `Unactivated`. When the card is successfully created, the order status is `OrderPending`.

:::hint{type="info"}
See our tutorial to learn how to [create a card](docId\:RZZRD7am62-KTyv9G1n9-).
:::

## Card activation 

Cards can only be used once they are activated. To activate the card, use the  [Activate card by ID](docId\:E_U42earZiwDZOiIXuunI) API endpoint with the COS card ID.

:::hint{type="info"}
See our tutorial to learn how to [activate a card](docId\:WZYv6QGm31LDTeAGrt2fc).
:::

## Set card PIN

Use the [Set PIN](docId\:yFZLDNDP2NxSd7hQ2tIKu)  API endpoint to set a customer personal identification number (PIN). This will be the customer's ATM PIN.

## Card replacement

Order a replacement for damaged, lost or stolen cards using the [replace](docId\:AxI2pLSUCMHXDN8-vhCoH) API 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.

:::hint{type="warning"}
**IMPORTANT**
When you replace a card, you must make the replacement card the primary card in the Cross River system to avoid issues once the card is supplied.
:::