Interlace
Guides

Issuing Physical Cards

Interlace offers card issuance options depending on your branding needs: customizable white-label cards, blank cards, or Interlace-branded cards.


Physical Card Issuance Process Overview

Scenario 1: Customizable White-Label Cards

If you need a customized card with your branding, follow these steps:

  1. Design the card front and back.
  2. Issuing bank approval (~1 business day).
  3. Card organization approval (1~2 weeks).
  4. Manufacturing sample cards (2~4 weeks).
  5. Mass production of cards (8~10 weeks).
  6. Create a physical card.
  7. Card shipment.
  8. Card activation.
  9. Ready for use (online and offline).

Scenario 2: Blank or Interlace-Branded Cards

If you don’t require customization and prefer blank or Interlace-branded cards:

  1. Create a physical card.
  2. Card shipment.
  3. Card activation.
  4. Ready for use (online and offline).

API Integration Workflow

🔔 Important Notes:
• This workflow applies to US Apple Pay BIN and our Own HK Visa BIN.
• For HK Apple Pay BIN, the process varies. Please contact your tech support team for assistance.

For US Apple Pay BIN Cards

Step 1: Create a Physical Card

  • Use the Card API and set the cardMode field to "Physical Card".

*The card will remain in a pending state and cannot be used for any online or offline transactions until activated.

Step 2: Create a Bulk Shipping Group

Step 3: Add Shipping Information

  • Use the Bulk Ship API to add the shipping address and other required details.
  • Include the bulkShippingGroupId from Step 2.

*Orders must be submitted before 12 PM UTC to be processed on the same day. Orders placed after this time will be included in the next day’s batch.

Step 4: Activate the Physical Card

For activation, follow these guidelines:

  • Gateway Mode: If cardholder KYC was completed during account creation, activate the card using the account id.
  • B2C Mode: If KYC was completed when creating the cardholder, activate the card using the cardholder id.
  • MOR with B2B Mode: If KYC was not submitted earlier, KYC verification must be completed during activation.

KYC Steps:

Note: Each sub-account may create up to 5 physical cards and 20 virtual cards.


Once KYC is completed, the card will be activated and ready for online and offline transactions.

For HK Own Visa BIN Cards

Step 1: Create a Physical Card

  • Use the Card API and set the CardMode field to "Physical Card".

*The card will be in a pending state until activated and cannot be used for any transactions (online or offline).

Step 2: Add Shipping Information

  • Use the Bulk Ship API to add shipping details.
  • For bulk shipments, include multiple card ids. The maximum number of cards per shipment is 100.

Step 3: Activate the Physical Card

For activation, follow these guidelines:

  • Gateway Mode: Activate the card using the account id if KYC was completed earlier.
  • B2C Mode: Activate the card using the cardholder id if KYC was completed during cardholder creation.
  • MOR with B2B Mode: Complete KYC verification during activation if no prior KYC details were submitted.

KYC Steps:

Note: Each sub-account can create up to 5 physical cards and 20 virtual cards.


Once KYC is completed, the card will be activated and ready for use.

For Instant Issuing

What is Instant Issuing?

Instant issuing refers to the process where cards are issued without specific cardholder details during creation, and real cardholder information is collected and verified at the time of activation.

Supported BIN:

Currently, only the HK Own Visa BIN supports instant issuing, and it is available exclusively for MOR-mode clients.

Usage Recommendation:

  • Instant issuing is ideal for early product launches or large-scale acquisition campaigns, such as marketing events.
  • Not recommend for long-term physical card issuance due to operational complexities.

API Workflow for Instant Issuing – B2C Programs

Step 1: Create Physical Cards

  • For B2C projects, due to the mandatory cardholder KYC requirement, bulk card creation must be performed via the Dashboard (Merchant Portal).
    • A single batch can create up to 100 cards at a time.
  • During card creation, enter your company name or brand name as the cardholder name.
  • Cards will remain in a pending state until activated and cannot be used for any transactions (online or offline).

Step 2: Add Shipping Information

  • Use the Dashboard (Merchant Portal) to handle bulk shipping.
    • Fill in the mailing addresses for shipments.
  • For bulk shipments, you can include up to 100 cards per shipment.

Step 3: Link Physical Cards with Cardholder

This step requires building a custom UI to collect the full physical card number (PAN) from users. Optionally, you can also collect the CVV for additional security. The goal is to match the physical card to the corresponding card id in your system and link it to the cardholder’s account.

Why Is This Necessary?

  • Transaction Requirements: The card id is needed for recharges, withdrawals, and balance management.
  • Account Matching: It ensures the physical card is linked to the correct user account in your system.

Steps to Link Card Information

  1. Collect Card Details:
    Use your custom UI to securely collect the full card number (and optionally CVV) from your users.
  2. If PCI DSS LEVEL 1 Certification is Available:
    • Use the [Get Private Info API] to retrieve the full card number (PAN) for each card ID in your system.
    • Loop through the card IDs to find a match with the user-provided card number.
  3. If PCI DSS LEVEL 1 Certification is NOT Available:
    • Contact your Relationship Manager to request Dashboard export permissions for card private info.
    • Use the bulk export function to retrieve card details.
    • Match the full card number to the corresponding card ID and complete the linking.

Notes:

  • Avoid Storing Full Card Details: For security reasons, do not store the full card number or CVV. Only retain the card id for reference.

Step 4: Activate the Physical Card

MOR Mode

  • If the card is linked to a cardholder ID, include the cardholderId in the request to auto-associate the KYC information.
  • If you are using Sumsub as the KYC tool as well, please share the token with us.

No Prior KYC

Updated 7 days ago