> ## Documentation Index
> Fetch the complete documentation index at: https://docs.orum.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Cards

> Initiate payments to and from cards on the Visa and Mastercard networks.

<Info>
  Interested in accessing card rails? Reach out to [service@orum.io](mailto:service@orum.io).
</Info>

## Create A Card

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

<Note>
  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.
</Note>

* 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

<Tip>
  For card rails, you'll always select `asap` as your speed.
</Tip>

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.

<Tabs>
  <Tab title="Created">
    A card was created. The card cannot send or receive funds.
  </Tab>

  <Tab title="Verified">
    A card passed verification. The card can send or receive funds.
  </Tab>

  <Tab title="Rejected">
    A card did not pass verification. The card cannot send or receive funds.
  </Tab>

  <Tab title="Closed">
    A card has been soft deleted from Orum's platform. The closed card cannot send or receive funds. It also cannot be re-opened.
  </Tab>
</Tabs>

## 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

```json theme={null}
{
    "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"
        }
    }
}
```