After you create an account holder and a balance account, you can start issuing cards. Cards can either be virtual or physical. Cards also have to be associated with a Visa or Mastercard pre-approved use case, called a scheme program. By default, Adyen handles the scheme program for you in the background.
PCI compliance
The scope for PCI compliance depends on your use case—the type of cards you'll issue and how the cards will be used. To know whether PCI compliance requirements apply to your use case, reach out to your Adyen contact.
Visual design for physical cards
Before you can create physical cards in the live environment, you must have a design for the card itself and the mailer it is sent in. Each card design must be approved by Visa or Mastercard.
Your Adyen contact will help you to complete and specify the designs.
Create a card
To issue a card, create a paymentInstrument resource. In the request, specify whether the card is:
- Virtual: A card that has no physical form. You receive the card details in the API response.
- Physical: A card that is printed and shipped to the user. You do not receive the card details in the API response. Sending a request to create a physical card also starts an order to manufacture the card.
Adding multiple cardholders under one balance account
This use case is only allowed in specific circumstances. Check with your Adyen contact if this is a functionality you can use.
Some business cases require having multiple cards and cardholders under one balance account, for example when:
- Creating named cards for multiple employees in one company.
- Creating additional cards for a spouse or children.
In this case, only the main account holder must go through the verification process. After the verification is complete, you can start creating cards for additional cardholders by making another POST /paymentInstruments request.
The following example shows how to create another virtual card linked to the same balance account BA1234123412341234 for a different cardholder:
Physical cards in live environment
Before you can create live physical cards, you must have a design for the card itself and the mailer.
After you create a card, it is personalized, printed, and shipped with the information that you provided. If you need to stop a card from being personalized, update the status before it is sent to the manufacturer. Reach out to your Adyen contact to know the schedule for your balance platform.