Virtual and Physical Card Program

Requests

Virtual cards will be available immediately after customer onboarding (see Virtual Card Program - Requests section). The card will be created with a type = virtual and ready_to_use = true. To request a physical card in a hybrid Program, the debit card must be migrated from type = virtual to type = physical. This instructs Rize to initiate printing and shipping of a physical card to the Customer. Migrating a card can be done via the Migrate a Virtual Debit Card to a Physical Debit Card endpoint. After the card is migrated from virtual to physical, the type value on the debit card UID transitions from virtual to physical. The card then follows the card statuses associated with a physical card. The physical and virtual cards have the same debit card UID and share a PAN, CVV, and expiration. While the physical card is produced, the virtual card is still active and usable in card-not-present transactions.

Activation

Virtual cards are ready for card-not-present transactions and do not require activation. When the Customer receives the physical card, it must be activated before it can be used. See here for guidance on activation.

PIN Set
After the card is activated, the PIN can be set. See the Get Debit Card PIN Token endpoint for debit card PIN set. Refer to the Guidance on PIN Set section for debit card PIN set.

Mobile Wallets

Customers in physical and virtual card programs can add their cards to a mobile wallet. The card can be added to the mobile wallet any time after the virtual card image is retrieved. The transactions supported from the card in the mobile wallet depend on the status of the card.

If the card type = virtual, it can be used for card-not-present transactions (i.e. online purchases), a PIN cannot be set for a virtual card, and virtual cards will not work in PIN-required transactions. These remain true for the virtual card in a mobile wallet as well.

If the card type = physical and status = usable_without_pin, the mobile wallet will only support transactions that do not require a PIN.

  • If the card type = physical is status = normal, the mobile wallet will support transactions that require a PIN.
  • If the card type = physical is reissued, it must be re-added to the mobile wallet with the updated card details.

Work with your implementation manger to enable mobile wallets for your Program.

Reissuance

Physical and virtual cards are the same record. They follow the same status during the reissuance. See the Reissue a Debit Card endpoint for how to report a card Lost, Damaged, or Stolen.

The following definitions apply to the reissue reasons:

  1. damaged - A card reissued due to being damaged indicates that the physical card has been altered.
  2. lost - The customer loses the physical card or access to the mobile wallet. The customer inadvertently shares the card image and requires a new card.
  3. stolen - The customer's physical card was stolen or notices transactions that they did not initiate.

Damaged Cards
These reissue reasons are only available when the card is of type = physical. The card must be migrated from type = virtual to type = physical before these reasons are available. When a card in a hybrid program is reissued for a reason of Damaged, the existing card and card details (PAN, CVV, expiration) remain active and usable for all card transactions. The replacement card will have a PAN identical to the damaged card with an updated CVV and expiration. When the Customer receives and activates the replacement card, the prior physical card can no longer be used and the virtual card image will display the new card details. Rize does not create a new card record for cards reissued due to Damage; the existing UID persists.

A Damaged card transitions from the statuses of:

  1. damaged - Card transitions to this status after it is reported as damaged.
  2. printing_physical_card_replacement - The physical card is being produced. This
    status applies only to replacement physical cards with the same PAN; the corresponding status for new cards is printing_physical_card.
  3. card_replacement_shipped - The card has been shipped. This status applies only to replacement physical cards with the same PAN; the corresponding status for new cards is shipped.
  4. normal - If the Customer had set their PIN previously, the card transitions to the normal status after the customer activates the new card.
  5. usable_without_pin- If the Customer had not set their PIN previously, the card transitions to the usable_without_PIN status after the Customer activates the new card

Lost or Stolen Cards
When a card in a virtual and physical program is reissued for a reason of Lost or Stolen, the existing card is no longer active or usable. Rize will create a new card record with a new UID after the card is reported Lost or Stolen. The new card will be reissued as an identical type.

Virtual Card Type Lost Scenario:

  • If the card was type = virtual, Rize will reissue a new virtual card. An updated virtual card image can be requested after reporting the card Lost or Stolen. The new card is immediately available for card-not-present transactions. The new card will progress through the following statuses:
  1. issued - This is the second state a requested debit card will enter. An Issued debit card has been assigned a PIN, PAN, CVV, and expiration and these details are submitted to a card printer for physical card production. The last 4 digits of the card are available once this status is reached.
  2. usable_without_pin - The card has been activated but the PIN has not been set.

Physical Card Type Lost Scenario:

  • If the card was type = physical, Rize will reissue a physical card. No migration step is required. The new card will progress through the statuses of a new physical card. These are:
  1. issued - An Issued debit card has been assigned a PIN, PAN, CVV, and expiration and these details are submitted to a card printer for physical card production. The last 4 digits of the card are available once this status is reached.
  2. printing_physical_card - The physical card is being produced. This status applies only to new physical cards; the corresponding status for replacement cards is printing_physical_card_replacement.
  3. shipped - The card has been shipped. This status applies only to new physical Cards; the corresponding status for replacement cards is card_replacement_shipped.
  4. usable_without_pin - The card moves to this status after the card is activated through the
    PUT /debit_cards/{uid}/activate endpoint.
  5. normal - The card moves to this status after a PIN is set for the first time. At this point the card is available for PIN-required transactions.