The Card Status API is a real‑time ingress API that enables issuers and issuer processors to programmatically retrieve, update, and manage the status of a specific card (PAN). It replaces manual portal actions and legacy SFTP file transfers, allowing immediate, automated control over how transactions are handled for a card.

The Card Status API improves operational efficiency by:

• Eliminating manual card‑status changes in portals
• Enabling automated, time‑bound controls (for example, temporary BYPASS)
• Supporting faster fraud response and improved customer experience through real‑time updates

The API allows issuers to manage card status for fraud and risk scenarios by setting one of the following statuses on a PAN:

ACTIVE: Applies risk rules to determine the transaction status.

BLOCKED: Prevents the transaction without applying risk rules.

BYPASS: Permits the transaction during the bypass period without applying risk rules.

DISABLED: Indicates that the card has been deactivated.

Key Capabilities

Retrieve current card status

• Update card status in real time, including temporary BYPASS states with a duration
• Retrieve card status history for audit and reporting purposes
• Support fraud and customer‑service use cases without manual intervention

How It Works:

The Card Status API enables CRUD operations to manage card status information associated with a specific issuer and card number.

• Issuer sends OrgID/PAN and/or status update to CardStatus API
• CardStatus API encrypts Org data
• API looks up status of OrgID/PAN
• API returns status of OrgID/PAN to issuer

How It Is Used:

• The Card Status API enables CRUD operations to manage card status information associated with a specific issuer and card number.