Card issuing tutorial beta

Use the create spending card endpoint. You have the option of submitting the following parameters:

curl -X POST "https://api.moov.io/issuing/{accountID}/cards" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "authorizedUserAccountID": "string",
    "billingAddress": {
      "addressLine1": "123 Main Street",
      "city": "Denver",
      "stateOrProvince": "CO",
      "postalCode": "80301",
      "country": "US"
    },
    "controls": {
      "singleUse": false,
      "velocityLimits" : [
        {
          "amount": 1000,
          "interval": "per-transaction"
        }
      ]
    },
    "expiration": {
      "month": "01",
      "year": "27"
    },
    "nickname": "supplies purchase"
  }'

Optional card controls

You can limit the usage of an issued card by setting controls in the card creation request. The following controls are currently supported:

• allowedSchedule: Limits card usage to specific days and times. Set to null to remove all schedule restrictions.
• expiresOn: When a cutoff date and time are set, all authorizations after this datetime are declined regardless of other controls. Set to null for no cutoff.
• merchantCategoryRestrictions: Restricts card usage by merchant category. If none are set, some categories might be blocked by card networks by default.
• merchantRestrictions: Restricts card usage to specific merchants, or blocks specific merchants.
• singleUse: If true, the card closes after the first successful authorization.
• velocityLimits: Sets spending limits per time interval.

Most controls can be updated with the PATCH update spending card endpoint. The singleUse control cannot be updated after card creation.

The following example demonstrates a card configured to close after the first successful authorization (singleUse) and enforces a per-transaction spending limit of $50.00 (amount is in cents).

{
  "controls": {
    "singleUse": true,
    "velocityLimits": [
      {
        "amount": 5000,
        "interval": "per-transaction"
      }
    ]
  }
}

Use the update spending card PATCH endpoint. Set state to frozen to freeze a card, active to reactivate it, or closed to close it. You can also update nickname, metadata, billingAddress, and spend controls.

curl -X PATCH "https://api.moov.io/issuing/{accountID}/cards/{issuedCardID}" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  -d '{
    "state": "frozen"
  }'

See update an issued card for more details.

Starting with API v2026.10.00, you can query a card's activity records. Each record represents the use of an issued card and will contain one of authorizationID or cardTransactionID.

• Activity that has an authorization request includes authorizationID. cardTransactionID is omitted.
• Activity that does not have a corresponding authorization request includes cardTransactionID and omits authorizationID and authorizedAmount.

Use the list card activity endpoint to see activity records using any of the following query parameters:

• skip
• count
• issuedCardID
• authorizedUserAccountID
• statuses
• startDateTime
• endDateTime

The example below queries an issuedCardID.

curl -X GET "https://api.moov.io/issuing/{accountID}/activity?issuedCardID=d04885c9-ea6b-43a7-9186-63d9fbd57716" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.10.00"

Example response:

[
  {
    "authorizationID": "d9ee8dde-b1eb-492f-bea1-d8e09bccbc52",
    "cardTransactionID": "d5a1aab9-eb96-409a-ab95-88ac99cf00a5",
    "status": "pending",
    "issuedCardID": "d04885c9-ea6b-43a7-9186-63d9fbd57716",
    "lastFourCardNumber": "0869",
    "authorizedUserAccountID": "d84897e9-ba6b-56a7-8123-84d8fbd68819",
    "authorizedAmount": "-14.89",
    "clearedAmount": "-14.89",
    "declineReason": "insufficient-funds",
    "createdOn": "2026-08-24T14:15:22Z",
    "merchantData": {
      "networkID": "123456789012345",
      "name": "Whole Body Fitness",
      "city": "San Francisco",
      "country": "US",
      "postalCode": "94107",
      "state": "CA",
      "mcc": "7298"
    }
  }
]