Virtual Cards

Issue Visa/Mastercard virtual cards, fund them, and track spend

Issue Visa/Mastercard virtual cards for your customers, fund them, freeze/unfreeze, and track spend — regardless of which card provider is used on the backend.

Virtual Cards is enabled per-merchant. If it isn’t enabled on your account, these endpoints return SERVICE_NOT_ENABLED — contact support to request access.

No transaction PIN is required on these endpoints — your API key/secret is the credential for server-to-server calls, same as every other money-moving endpoint.

Create Cardholder

POST /api/v1/virtual-cards/cardholders

first_name · string · required

last_name · string · required

email · string · required

Also used to detect an existing cardholder — calling this again with the same email returns the same cardholder rather than creating a duplicate.

phone · string

curl -X POST "https://www.abcmpay.com/api/v1/virtual-cards/cardholders" \
  -H "X-Api-Key: your-public-key" \
  -H "X-Api-Secret: your-secret-key" \
  -H "Content-Type: application/json" \
  -d '{
    "first_name": "Jane",
    "last_name": "Doe",
    "email": "[e-mail]"
}'

Response

{
    "success": true,
    "cardholder_id": 501,
    "full_name": "Jane Doe",
    "email": "[e-mail]",
    "kyc_status": "PENDING"
}

---

Get Cardholder

GET /api/v1/virtual-cards/cardholders/{id}

Poll this until kyc_status reads APPROVED before issuing a card — createCard will fail on a cardholder that hasn’t passed KYC.

Response

{
    "success": true,
    "cardholder_id": 501,
    "full_name": "Jane Doe",
    "email": "[e-mail]",
    "kyc_status": "APPROVED"
}

---

Issue Card

POST /api/v1/virtual-cards

cardholder_id · integer · required

From the Create Cardholder response.

brand · string · default: "VISA"

VISA or MASTERCARD.

label · string

Your own nickname for the card.

Response

{
    "success": true,
    "card_id": 9012,
    "brand": "VISA",
    "masked_pan": "4111 **** **** 1234",
    "expiry_month": 8,
    "expiry_year": 2029,
    "currency": "USD",
    "status": "active"
}

---

List / Get Card

GET /api/v1/virtual-cards — paginated list of your cards.

Response

{
    "success": true,
    "data": [
        {
            "card_id": 9012,
            "brand": "VISA",
            "masked_pan": "4111 **** **** 1234",
            "currency": "USD",
            "balance": 25.00,
            "status": "active",
            "created_at": "2026-02-15T12:00:00Z"
        }
    ],
    "pagination": { "current_page": 1, "total_pages": 3, "total": 47 }
}

GET /api/v1/virtual-cards/{id} — a single card, including its balance.

---

Fund / Unload Card

POST /api/v1/virtual-cards/{id}/fund

amount · number · required

USD amount to load. Your wallet is charged this amount plus your account’s funding fee.

POST /api/v1/virtual-cards/{id}/unload — moves funds back from the card to your wallet.

---

Freeze / Unfreeze / Terminate

POST /api/v1/virtual-cards/{id}/freeze POST /api/v1/virtual-cards/{id}/unfreeze POST /api/v1/virtual-cards/{id}/terminate

Response

{ "success": true, "message": "Card frozen." }

Terminate is permanent — the card cannot be reactivated afterward.

---

Transaction History

GET /api/v1/virtual-cards/{id}/transactions

Returns a paginated list of the card’s own spend history (separate from your main wallet transaction history).