API Workflow for Card Issuance

Before starting the integration, confirm your operating model: MoR (Merchant of Record) or Gateway Mode. Refer to the official documentation for guidance: Determine Your Integration Model.

Card Issuance for Business Use - MoR Mode

1. Master-Merchant Account Registration (Offline Process)
   The master merchant must be registered offline.
2. Create Cardholder
   Use the Create Cardholder API.
   Body parameter: "programType": "BUSINESS USE"

Notes:

• After the cardholder is created, approval from the issuing bank is required before issuing a card.
• To stay informed about cardholder status updates, please subscribe to our webhook. This will ensure you receive real-time notifications whenever a status change occurs.
• OTP (One-Time Password) will be sent at the cardholder level.

3. Create Card
   Use the Create Infinity Card API.

Notes:

• Cards can be either virtual or physical. A virtual card cannot be upgraded to a physical card.
• This step can only be performed after the creation of the cardholder has been approved.

Card Issuance for Business Use - Gateway Mode

1. Master-Merchant Account Registration (Offline Process)
   The master merchant must be registered offline.

2. Sub-Merchant Account Registration (Offline Process)
   Each downstream client (sub-merchant) must also complete offline registration.

3. Create Cardholder
   Use the Create Cardholder API.
   Body parameter: "programType": "BUSINESS USE - GATEWAY"

Notes:

• Cardholder approval by the issuing bank is required before proceeding to card issuance.
• To stay informed about cardholder status updates, please subscribe to our webhook. This will ensure you receive real-time notifications whenever a status change occurs.
• OTP will be sent at the cardholder level.

4. Create Card
   Use the Create Infinity Card API.

Notes:

• Cards can be either virtual or physical. A virtual card cannot be upgraded to a physical card.
• This step can only be performed after the creation of the cardholder has been approved.

Card Issuance for Consumer Use - MoR Mode

1. Master-Merchant Account Registration (Offline Process)
   The master merchant must be registered offline.
2. Create Cardholder
   Use the Create Cardholder API.
   Body parameter: "programType": "CONSUMER USE - MOR"

Notes:

• Cardholder approval by the issuing bank is required before proceeding to card issuance.
• To stay informed about cardholder status updates, please subscribe to our webhook. This will ensure you receive real-time notifications whenever a status change occurs.
• OTP will be sent at the cardholder level.

3. Create Card
   Use the Create Infinity Card API.

Notes:

• Cards can be either virtual or physical. A virtual card cannot be upgraded to a physical card.
• This step can only be performed after the creation of the cardholder has been approved.

Card Issuance for Consumer Use - Gateway Mode

1. Master-Merchant Account Registration (Offline Process)
   The master merchant must be registered offline.
2. End-Customer Account Registration
   1. To create an account:
      Use the Create Account API
   2. To submit KYC for the account:
      Use the Submit Account KYC API
   3. To initialize the account's settings:
      Use the Account Initialization API to enable crypto wallets and the Infinity account.
3. Create Cardholder
   Use the Create Cardholder API.
   Body parameter: "programType": "CONSUMER USE - GATEWAY"

Notes:

• Cardholder approval by the issuing bank is required before proceeding to card issuance.
• To stay informed about cardholder status updates, please subscribe to our webhook. This will ensure you receive real-time notifications whenever a status change occurs.
• OTP will be sent at the cardholder level.

4. Create Card
   Use the Create Infinity Card API.

Notes:

• Cards can be either virtual or physical. A virtual card cannot be upgraded to a physical card.
• This step can only be performed after the creation of the cardholder has been approved.

Issuing Physical Cards for HK Visa BIN

For issuing physical cards under HK Visa BIN, please refer to the section "For HK Own Visa BIN Cards" in the physical card issuance documentation: Issuing Physical Cards Guide.