Infinity Card

Card Resource

Example

{
    "id": "d8eda079-6ba7-409e-99c8-ab5f83566fbd",
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "userName": "John Doe",
    "currency": "USD",
    "bin": "411111",
    "status": "ACTIVE",
    "cardLastFour": "4567",
    "label": "Personal Visa",
    "balanceId": "0d13f168-339b-4b74-a412-07a6ababcd9c",
    "budgetId": "c0598084-16d9-4426-b98e-382166afb0eb",
    "cardholderId": "4377d744-23cf-4c5e-9a39-34c70cf39c31",
    "createTime": "1756191281381",
    "cardAddress": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 4B",
        "city": "New York",
        "state": "NY",
        "country": "US",
        "postalCode": "10001"
    },
    "transactionLimits": [
        {
            "type": "LIFETIME",
            "value": "5000"
        }
    ]
}

Card Properties

id string required Unique card identifier – A globally unique ID for each card

accountId string required Account ID – The associated user account ID

status string required Card status – The card's current lifecycle status (e.g., INACTIVE,CONTROL,ACTIVE,PENDING,FROZEN)

currency string required Currency code – The supported currency for the card (e.g., CNY Chinese Yuan, USD US Dollar, EUR Euro), following the ISO 4217 standard.

bin string required Card BIN – The first 6-8 digits of the card number, used to identify the issuing institution and card type.

userName string required User name / Cardholder name – The cardholder's name, usually consistent with the ID document name. Supports Chinese and English characters.

createTime string required Card creation time – The timestamp when the card was generated.

cardLastFour string required Card last four digits – A masked display field showing the last four digits of the card number.

address Address optional Address information – Details of the cardholder's address.

label string optional Card label – A user-defined memo or note for the card.

balanceId string optional Balance ID – The associated balance account ID, used to query the current card balance, transaction history, and other financial data.

budgetId string optional Budget ID – The associated budget control ID, used to limit card spending (e.g., monthly budget, category budget).

transactionLimits List<TransactionLimits> optional Transaction limits information – Details on spending limits for the card.

Address Properties

addressLine1 string optional Address Line 1 – The first line of the address, typically storing detailed street information.

addressLine2 string optional Address Line 2 – The second line of the address, for supplementary information.

city string optional City – The city where the address is located.

country string optional Country – The country/region of the address, typically using ISO 3166-1 country codes (e.g., CN China, US United States).

postalCode string optional Postal code – The postal or ZIP code.

state string optional State – The sub-national administrative unit within the country.

TransactionLimits Properties

type TransactionLimitsTypeEnum optional Transaction limit type – An enumeration defining the limit dimensions: DAY (daily), WEEK (weekly), MONTH (monthly), QUARTER (quarterly), YEAR (yearly), LIFETIME (card lifetime), TRANSACTION (per transaction), NA (no limit).

value string optional Transaction limit value – The specific limit amount, stored as a string to support multiple currencies (requires parsing with the currency field).

CardPrivateInfo Resource

Example

{
  "pan": "3d91e3efd3bb64d8a5ba465470f4dc1973c5e951bea20b01ff7d1c1f90f4e32b",
  "cvv": "1f58406cc7d858578fedf4a9a9ae18a9",
  "expYear": "19980571355d04c6aef36001c878f994",
  "expMonth": "18fe21de46aea89042fdf7b311ced454",
  "bin": "49387519",
  "cardLastFour": "4425"
}

CardPrivateInfoProperties

pan string required Primary Account Number – The complete card account number (Primary Account Number), sensitive information requiring encrypted storage and transmission, Returned as an AES-encrypted hex string.

cvv string required CVV – The Card Verification Value, used to verify physical possession of the card. This is sensitive information, Returned as an AES-encrypted hex string.

expYear string required Expiration Year – The card expiration year (e.g., "2028"), Returned as an AES-encrypted hex string.

expMonth string required Expiration Month – The card expiration month (e.g., "09" for September), Returned as an AES-encrypted hex string.

bin string required Card BIN – The first 6-8 digits of the card number, identifying the issuing institution and card type information.

cardLastFour string required Last Four Digits – The last four digits of the card number, used for masked display and user card identification.

CardTransaction Resource

Example

{
    "id": "d8eda079-6ba7-409e-99c8-ab5f83566fbd",
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "cardId": "0d13f168-339b-4b74-a412-07a6ababcd9c",
    "cardTransactionId": "c0598084-16d9-4426-b98e-382166afb0eb",
    "currency": "USD",
    "amount": "125.5",
    "fee": "3.25",
    "feeDetails": [
        {
            "amount": "3.25",
            "currency": "USD",
            "feeType": 2
        }
    ],
    "clientTransactionId": "client_txn_abc123def456",
    "type": 1,
    "status": "CLOSED",
    "merchantName": "Amazon.com",
    "mcc": "5399",
    "mccCategory": "Miscellaneous General Merchandise",
    "merchantCity": "Seattle",
    "merchantCountry": "US",
    "merchantState": "WA",
    "merchantZipcode": "98109",
    "merchantMid": "merchant_amazon_12345",
    "transactionTime": "1756191281381",
    "transactionCurrency": "USD",
    "transactionAmount": "125.5",
    "createTime": "1756191281381",
    "detail": "Online purchase - Electronics",
    "remark": null
}

CardTransaction Properties

id string required Transaction ID – A unique identifier for the transaction record.

accountId string required Account ID – The user account ID associated with the transaction.

cardId string required Card ID – The unique ID of the card corresponding to the transaction.

cardTransactionId string required Card Transaction ID – A unique transaction identifier at the card level.

relatedCardTransactionId string optional Related Card Transaction ID – The ID of other related transactions.

currency string required Currency – The final settlement or display currency for the transaction.

amount string required Transaction Amount – The final settlement amount of the transaction.

fee string required Transaction Fee – The total fee amount generated by the transaction.

feeDetails List<FeeDetail> optional Transaction Fee Details – A list of fee details, showing breakdown information for various types of fees.

clientTransactionId string optional Client Transaction ID – A custom transaction identifier passed by the caller (client), used for cross-system reconciliation or business tracking.

type integer required Transaction Type – The transaction type code with corresponding business meanings: Values: 0:Credit, 1:Consumption, 2:TransferIn, 3:TransferOut, 4:Refund, 5:UnKnow, 6:DeleteCardRefund, 7:Fee_CreateCard, 8:Fee_Credit, 9:Fee_Consumption, 10:Declined_Fee, 11:Frozen, 12:UnFrozen, 13:CardWithdraw, 14:Reversal

status string required Transaction Status – The current lifecycle status of the transaction: CLOSED,PENDING,FAIL

merchantName string optional Merchant Name – The name of the counterparty (merchant/platform) in the transaction.

mcc string optional Merchant Category Code (MCC) – The industry code for the merchant category, used to identify the merchant's industry (e.g., 5411 for supermarket, 5812 for restaurant).

mccCategory string optional MCC Category – The industry category name corresponding to the MCC code (e.g., for MCC=5411, the category is "General Supermarket").

merchantCity string optional Merchant City – The physical location city of the merchant/platform.

merchantCountry string optional Merchant Country – The country/region where the merchant/platform is located.

merchantState string optional Merchant State/Province – The sub-national administrative unit where the merchant/platform is located.

merchantZipcode string optional Merchant Postal Code – The postal code of the merchant/platform's address.

merchantMid string optional Merchant ID (MID) – A unique merchant identifier used to distinguish transaction attribution among different merchants.

transactionTime string required Transaction Time – The actual time when the transaction occurred.

transactionCurrency string required Original Transaction Currency – The original currency when the transaction occurred.

transactionAmount string required Original Transaction Amount – The original amount when the transaction occurred.

createTime string required Creation Time – The time when the transaction record was generated in the system.

detail string optional Transaction Details – Supplementary descriptive information for the transaction.

remark string optional Transaction Failure Reason – A remark explaining transaction failure reasons.

FeeDetail Properties

amount string required Amount – The specific amount of a single type of fee.

currency string required Currency – The currency corresponding to this type of fee.

feeType integer required Fee Type – The fee type: 0:Platform Settlement Fee, 1:Apple Pay Fee, 2:ATM Withdrawal Fee, 3:Reversal Fee, 4:Refund Fee.

Budget Object

Example Budget Object

{
    "id": "e9561c9f-a7f6-4356-b2fe-4a4984c33c01",
    "accountId": "c83929c5-4ff3-42d4-af6d-56043022ebad",
    "createTime": "1758005368531",
    "name": "test name11222322222333",
    "balance": {
        "id": "a95b3d17-c8a4-4036-9898-13123d47c79f",
        "available": "0.00000000",
        "currency": "USD"
    },
    "status": "INACTIVE"
}

Budget Attributes

id string A UUID for the budget.

accountId string The UUID of the account.

createTime string Creation time timestamp – The timestamp of the budget's creation.

name string Budget name – The name of the budget.

balance object The balance of the budget.
- id string The UUID of the balance.
- available string Available balance – The available balance amount.
- currency string The currency of the balance.

status string The status of the budget object. Possible values: ACTIVE, INACTIVE, FROZEN

BudgetTransaction Object

Example BudgetTransaction Object

{
  "id": "4f6d3e91-b8d0-4a7a-9a60-94c8e3c5f731",
  "accountId": "cae9efe2-b577-4632-8c57-8822ddb8542a",
  "budgetId": "b2312eab-8b13-40c7-a7e2-221ef79cfd09",
  "cardId": "1a9e92d7-1d12-4a6b-9b5b-9f2cb2d6a120",
  "amount": "200.00",
  "fee": "5.00",
  "feeDetails": [
    {
      "amount": "5.00",
      "currency": "USD",
      "feeType": "0"
    }
  ],
  "clientTransactionId": "txn_custom_123456",
  "transactionDisplayId": "TXN-20250911-0001",
  "type": "TransferIn",
  "status": "Closed",
  "transactionTime": "1755498145103",
  "detail": "Card payment for order #789"
}

BudgetTransaction Attributes

id string The UUID of the transaction.

accountId string The UUID of the account.

budgetId string The UUID of the budget.

cardId string The UUID of the card.

amount string Transaction amount – The amount of the transaction.

fee string Transaction fee – The fee associated with the transaction.

feeDetails List<object> Transaction fee details.
- amount string Magnitude of the amount – The specific amount of this fee detail.
- currency string Currency code for the amount – The currency code for this fee detail amount.
- feeType string Fee type – The type of fee. Possible values:
  - 0: Card Production Fee
  - 1: Card Mailing Fee

clientTransactionId string User-provided custom transaction ID – A custom transaction ID provided by the user.

transactionDisplayId string Transaction display ID – An ID for displaying the transaction.

type string Transaction type – The type of the transaction.

Code	Type	Description
0	TransferIn	Transfer from the Infinity Account to a budget
1	TransferOut	Transfer from a budget to the Infinity A`ccount
2	CreateCardFee	Card creation fee
3	Consumption	Card consumption
4	Refund	Refund transaction
5	FeeCredit	Fee generated by refund transaction
6	Fee_Consumption	Transaction authorization fee (auth fee)
7	Declined_Fee	Fee generated by failed transaction authorization
8	Reversal	Reversal transaction

status string Transaction status – The status of the transaction.

transactionTime string Transaction time timestamp – The timestamp indicating when the transaction occurred.

detail string Transaction detail – Additional details about the transaction.

Card Wallet Resource

Example

{
    "id": "1f74664d-7680-4038-ac0f-16e62d7d0372",
    "accountId": "1f74664d-7680-4038-ac0f-16e62d7d0372",
    "createTime": "1755498145103",
    "currency": "USD",
    "available": "12.03",
    "walletType": 0
}

Card Wallet Properties

id string required Unique ID generated for the entity – A globally unique identifier for the Card Wallet Resource entity.

accountId string required The UUID of the Account – The associated account ID (in UUID format) linked to the card wallet.

createTime string optional Creation time – The timestamp when the card wallet was created.

currency string required Currency code – The supported currency for the card wallet, following the ISO 4217 standard (e.g., USD US Dollar, EUR Euro, CNY Chinese Yuan).

available string required Available balance – The available balance amount in the card wallet, stored as a string to support precise amount representation and multiple currencies.

walletType string required Wallet type – An enumeration defining the category of the card wallet, with allowable values as follows:

0: Infinity account wallet
1: Budget wallet
2: Prepaid card wallet

Card Bin Resource

Example

{
    "id": "bin-123e4567-e89b-12d3-a456-426614174000",
    "bin": "411111",
    "type": "PrepaidCard",
    "currencies": ["USD", "EUR", "CNY"],
    "network": "VISA",
    "verification": {
        "avs": true,
        "threeDs": false
    },
    "purchaseLimit": {
        "day": "5000",
        "single": "1000",
        "lifetime": "/"
    },
    "supportPhysicalCard": true
}

Card Bin Properties

id string required The ID of the bin – A unique identifier for the Card Bin record.

bin string required The Bank Identification Number (BIN) – The first 6 digits of the card number, used to identify the issuing institution and card attributes.

type string required The type of the CardBin – The categorization of the BIN, with allowable values:

"PrepaidCard": Prepaid card type bin
"BudgetCard": Budget card type bin

currencies List<string> required Card Base Currency – A list of supported base currencies for cards under this BIN (follows ISO 4217 standard, e.g., "USD", "EUR").

network string required The network of the card – The payment network associated with the BIN (e.g., VISA, MasterCard).

verification CardBinVerification required Validation information – Contains verification-related configurations for cards under this BIN.

purchaseLimit CardBinPurchaseLimit required Purchase Limit – Defines spending limits for cards under this BIN.

supportPhysicalCard Boolean required Supports Physical Card – Indicates whether cards under this BIN support physical card issuance (true = supported, false = not supported).

CardBinVerification Properties

avs Boolean required AVS Check Supported – Indicates if Address Verification Service (AVS) is enabled for cards under the associated BIN (true = supported, false = not supported).

threeDs Boolean required 3DS Verification Supported – Indicates if 3-D Secure (3DS) authentication is enabled for cards under the associated BIN (true = supported, false = not supported).

CardBinPurchaseLimit Properties

day string required Daily purchase limit – The maximum cumulative spending limit per day for cards under the associated BIN. Use "/" to indicate no limit.

single string required Single purchase limit – The maximum spending limit per single transaction for cards under the associated BIN. Use "/" to indicate no limit.

lifetime string required Lifetime purchase limit – The total cumulative spending limit for the entire lifespan of cards under the associated BIN (time period never expires). Use "/" to indicate no limit.

Consumption Scenario Resource

Example

{
    "id": 42,
    "name": "Amazon"
}

Consumption Scenario Properties

id Integer required Transaction scenario ID – A unique numerical identifier for the transaction consumption scenario.

name string required Transaction scenario name – The descriptive name of the transaction consumption scenario (e.g., "TikTok", "In-Store Payment", "Amazon").

Cardholder Object

Example Cardholder Object

{
  "id": "1967846523043602433",
  "status": "ACTIVE",
  "accountId": "ab892db2-cb95-4794-a481-013585e15ed2",
  "firstName": "xu",
  "lastName": "mingru",
  "userName": "xu mingru",
  "email": "[email protected]",
  "phoneCountryCode": "86",
  "phoneNumber": "19921638850",
  "cardBinList": [
    "1871360496083530000",
    "1871360596906217473",
    "1871360464026470000",
    "1871360899013545985"
  ]
}

CardholderResource Attributes

id string The ID of the cardholder.

status string Cardholder status.

accountId string The UUID of the Account.

firstName string User’s first name. Only English alphabet letters (A–Z, a–z) are allowed. Example: John

lastName string User’s last name. Only English alphabet letters (A–Z, a–z) are allowed. Example: Smith

userName string Username of the cardholder.

email string User’s email address.

phoneCountryCode string The international dialing code of the cardholder's mobile phone, numbers only, no "+", length ≤ 3. Example: 86

phoneNumber string Phone number without the country code, length ≤ 15. Example: 13800138000

cardBinList List<string> List of card BINs.

3DS Resources

Example


{
  "cardId": "d8eda079-6ba7-409e-99c8-ab5f83566fbd",
  "accountId": "d8eda079-6ba7-409e-99c8-ab5f83566fbd",
  "currency": "USD",
  "amount": "159.99",
  "cardNumber": "4111********1234",
  "otp": "654321",
  "detail": "Online shopping at Electronics Store",
  "expireTime": "300"
}

3DS Properties

cardId string required Card ID – The identifier of the card

accountId string required Account ID – The associated account identifier

currency string optional Consumption currency – The currency used in the consumption transaction

amount string optional Consumption amount – The monetary value of the consumption

cardNumber string optional Card number – The number of the card; automatically retrieved from cardId if empty

otp string required OTP code – The one-time password for verification

detail string optional Consumption scenario – Details describing the consumption context

expireTime string optional Expiration time – The duration (in seconds) until the OTP becomes invalid