Cards

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

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

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.

Card Limits

The following limits are in place for each card.

Days	Amount	Transactions
1	$10,000.00	5
7	$20,000.00	10
30	$50,000.00	30

Resource Limits

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

Days	Amount	Transactions
1	$10,000.00	5
7	$20,000.00	10
30	$50,000.00	30

Statuses

A card can have one of the following statuses.

Created
Verified
Rejected
Closed

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

Reason Codes

Field	Description
Card holder name mismatch	The card holder name does not match the name on file at the card issuer
Invalid billing info	The billing address or zip does not match the billing address or zip on file at the card issuer
Push disabled	The card is not enabled for push transactions

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"
        }
    }
}

GETTING STARTED

DELIVER

VERIFY

MONITOR

Create A Card

Transferring Funds To or From a Card

Card Limits

Resource Limits

Statuses

Reason Codes

Webhook Example

​Create A Card

​Transferring Funds To or From a Card

​Card Limits

​Resource Limits

​Statuses

​Reason Codes

​Webhook Example

Create A Card

Transferring Funds To or From a Card

Card Limits

Resource Limits

Statuses

Reason Codes

Webhook Example