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Learn how to create physical and virtual cards via the Sudo Dashboard or API.

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1. Create a cardholder

A cardholder is either an individual or business entity that can be issued a payment card. To get started, create a cardholder with a type, name, phoneNumber, status and billingAddress. An individual also needs firstName, lastName and dob. Include the cardholder’s KYC details in identity, along with an emailAddress. A USD card needs both, and an identity other than a BVN or NIN also needs an image of the ID in documents.idFrontUrl (see USD card requirements).
A call to the cardholder’s endpoint returns information about the cardholder that can be subsequently used to create a card.

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2. Create a card for a cardholder

Create a card and assign it to a cardholder. Every request requires the cardholder ID from the previous step (customerId), type, currency and status. A physical card also requires the card number, and a virtual card requires the debitAccountId of the settlement account to charge. Use fundingSourceId to choose how the card’s transactions are funded (see Funding Sources). If you leave out spendingControls, the default usage limits apply.
With a card program, the card’s type, brand, currency, issuer country, funding source, debit account and spending controls come from the program, so you only send customerId,programId and status, plus number for a physical card.
A call to the card’s endpoint returns information about the card being mapped.

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USD virtual cards

To create a USD virtual card, set currency to USD, issuerCountry to USA and brand to MasterCard or Visa.
Before creating a USD card, confirm that the customer meets the USD card requirements. The requirements are validated before the account is charged, and the response identifies any missing or invalid customer information.
In order to maintain PCI Compliance and high card data security, all requests to map or retrieve card details must be passed through the vault endpoint.