Card Creation Flow
How debit, credit and prepaid cards are linked to user wallets and activated.
Sovera's API has differentiated calls for the creation of debit, credit, and prepaid cards. Through these calls, it is possible to create a physical or virtual card for an existing UserID linked to the available balance in a specific WalletID of that user.
All cards are created using a unique parameterization code for each card product, which must be previously requested from the Sovera integration team.
Card creation requires an active user. A managed EndUserIntegrated is created with
isActive=falseand remains inactive until KYC is completed, so attempting to create a card before KYC completes fails withHTTP 422("User not active"). A delegated user (EndUserDelegated) is active immediately and can receive a card right away.
The creation of a card starts with the post Debit Card POST, Credit Card POST or Prepaid Card POST call, depending on the acquired issuance service.
It is important to consider the type of user for which the card has been parameterized. Cards parameterized for natural persons can only be created by associating them with UserIDs representing EndUserIntegrated or EndUserDelegated, while those parameterized for legal entities can only be created by associating them with MerchantUserIntegrated.
Once you have been granted a card creation code, you can begin testing card creation in the test environment.
Physical cards are created in a default status of
PendingAckfor security during the logistics of delivery. See Ack Reception for details on physical card activation.