Interested in accessing card rails? Reach out to [email protected].

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Create A Card

To create a card, use POST https://vault.api-sandbox.orum.io/deliver/cards

All other cards endpoints (besides the above POST) will continue to use api-sandbox.orum.io. This allows Orum to ensure your card information is handled securely.

  • In order to create a card, the person or business linked to a card must have an associated phone number
  • Up to three persons/businesses can be associated with the same phone number
  • If a person/business is associated with a card, the phone number can be changed, but not removed
  • A person/business can have up to three linked cards, not including Closed cards

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Transferring Funds To or From a Card

For card rails, you’ll always select asap as your speed.

Unlike other bank transfers for which Orum orchestrates fallback routing, if you send funds to or from a card, Orum will not reroute the transfer to another rail if an error occurs.

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Card Limits

The following limits are in place for each card.

DaysAmountTransactions
1$10,000.005
7$20,000.0010
30$50,000.0030

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Resource Limits

The following limits are in place for a given person, business, or enterprise across all associated cards.

DaysAmountTransactions
1$10,000.005
7$20,000.0010
30$50,000.0030

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Statuses

A card can have one of the following statuses.

A card was created. The card cannot send or receive funds.

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Reason Codes

FieldDescription
Card holder name mismatchThe card holder name does not match the name on file at the card issuer
Invalid billing infoThe billing address or zip does not match the billing address or zip on file at the card issuer
Push disabledThe card is not enabled for push transactions

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Webhook Example

{
    "event_id": "4a5b50b4-8083-4f38-ac3d-61394fbd1432",
    "event_type": "card_verified",
    "created_at": "2025-01-17T22:19:57.980Z",
    "event_data": {
        "card": {
            "id": "d2ddb1c4-67db-4765-88f7-607fc7599559",
            "account_reference_id": "bdbbc757-95c8-4358-a795-be127222adc0",
            "account_holder_name": {
                "first": "John",
                "last": "Doe"
            },
            "address": {
                "id": "be0509fc-0e83-4b3f-ae98-19f459c6519d",
                "type": "billing",
                "address1": "123 Fake Street",
                "address2": "Apt B",
                "city": "New York",
                "state": "NY",
                "country": "US",
                "zip5": "07008",
                "created_at": "2024-12-04T22:51:28.592762Z",
                "updated_at": "2025-01-17T22:19:55.173156Z"
            },
            "customer_reference_id": "911d55ae-a7b8-492f-9f27-a016ac5dcb71",
            "customer_resource_type": "person",
            "expiration_month": 12,
            "expiration_year": 2025,
            "last_four_digits": "XXXXXXXXXXX0005",
            "status": "verified",
            "created_at": "2024-12-04T22:51:28.592762Z",
            "updated_at": "2025-01-17T22:19:55.173156Z"
        }
    }
}