Card Lifecycle

Learn more about the card lifecycle

There are many steps that have to be taken by DECTA and you, starting from the moment a cardholder decides to request a card until the first successful payment.


Card lifecycle for TPP customers


While creating a card order for a customer, the partner should define the product and card design code, currency and cardholder personal data. After the card order is processed, you will be able to manage the whole lifecycle of your issued cards through DECTA API.


Card lifecycle for White Label customers

AML checks are available only for White Label customers

While creating a card order for a customer, the partner should define the product and card design code, currency and cardholder personal data, including documents if identification and AML checks take place on the DECTA side. After the card order is processed, you will be able to manage the whole lifecycle of your issued cards through DECTA API.



Card lifecycle with card status and explanation

Action

Card Status

Status Meaning

Physical card has been requested

1 - SUSPENDED

The card has been successfully requested & processed. The card is inactive, should be activated by the cardholder once received.

Virtual card has been created

0- ACTIVE

The card is active and can be used for new authorisations.
Note: All Virtual Cards are immediately ACTIVE

Physical card has been activated

0 - ACTIVE

The card is active and can be used for new authorisations.

Card has been blocked

1- SUSPENDED

If a cardholder wants to temporarily block the card to prevent any new authorisations against that card, the cardholder can block it. Should use state:BLOCKED_BY_HOLDER

Card has been unblocked

0-ACTIVE

When the card is unblocked, it can be used for new authorisations again

Card has been blocked by issuer

1-SUSPENDED

The card has been temporarily restricted from making any new authorisations following a decision from the issuer e.g. in the event of suspicious card activity. Should use state: BLOCKED_BY_PARTNER

Card has been Cancelled

2 - CANCELED

The card has been Cancelled. This is a final card status and can’t be reversed. Canceling a card is similar to Blocking, with the main difference being that card cancellation is an irreversible action. Should use state: BLOCKED_PERMANENTLY

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