Setup for Instant Issue

This guide describes developer implementation for instant-issue cards. For general information, see Instant-issue cards in the Choose a Card Strategy guide.

Initial setup

Follow these steps to set up, create, and distribute instant-issue cards.

Step 1: Create the instant-issue product

Set these parameters on the instant-issue product.

Step 2: Set up the location

Ordering instant-issue cards requires that you have at least one location set up. If you already have a location 0 (root), skip this step. If you don't have any locations, call Create Location with these parameters:

Step 3: Create bulk order

Instead of embossing cards on-demand as you would with personalized cards, instant-issue cards are embossed in bulk.

Call Create Bulk Card Order with these parameters:

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Warning

The endpoint returns an order_id that you must capture and record at this time. Galileo does not provide a way to retrieve order IDs, and you must use these IDs to get the card identifiers and perform other tasks.

The bulk card order is sent to the embosser in the daily emboss file, and the cards are embossed and shipped to the location specified. The SHIP: card_shipped event is not sent out for bulk card orders.

Step 4: Get the card identifiers

To get a list of PRNs and card IDs for all of the cards in a batch, call Get Bulk Card Order with these parameters:

• orderId — The order ID (order_id) as returned by the Create Bulk Card Order endpoint.
• returnAllCards — Pass 1 to get a list of PRNs and PANs. The expiry dates will not be available right after creating the order, because they are generated asynchronously by a back-end process. Ask Galileo how often that process runs in your core to know when the expiry dates will be generated.

Alternatively, you can call Verify Instant-Issue Card for a single card. For example, if you have the card in hand you can pass the PAN in accountNo to retrieve the PRN as well as other information such as the batch ID, case ID, and bundle ID for the card.

Step 5: Enroll customer and issue card

Perform this step only for prepaid reloadable cards. Do not perform this step for gift cards.

At the store, you have an interface for customer enrollment and card issuing.

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Note

In some cases you must perform KYC/CIP on the customer prior to issuing a prepaid reloadable card. The requirement depends on the amount on the card and other factors. Consult with your bank for your specific use case. Also see the Customer ID Verification (KYC/CIP) guide.

1. In your enrollment interface, input the customer's name, address, and other information.
2. If you are required to perform CIP, input a government ID such as the SSN or whatever your bank requires.
   • If you are performing your own CIP, submit the information to your service and wait for the response.
   • If Galileo is performing CIP, go to the next step.
3. Call Create Account with these parameters:
   • accountNo: PRN of the card, as returned by Get Bulk Card Order or Verify Instant-Issue Card.
   • prodId: Product ID for the instant-issue card
   • Other parameters as shown in the Parameters section of the Creating an Account guide.
4. Galileo creates a customer record and associates the PRN of the card with it.
5. The cardholder activates the card and sets a PIN. See Activating a Card and PIN-Set Procedures for more information.

Step 6: Switch to a personal product

This step is optional for prepaid reloadable cards. Do not perform this step for gift cards.

If you would like to upgrade an instant-issue customer to a personalized card, you must perform a product switch. How you perform the product switch depends on how the BINs are set up for the instant-issue and the personalized products. If the two products have the same BIN (same first six digits) follow the instructions below. If they have different BINs, follow the instructions in Switching Products with Different BINs.

1. Follow the steps in Use case 4: Product switch with new PAN and expiry of the Switching Products guide.
2. A new card is issued and sent in the mail. When the new card is activated, the instant-issue card is deactivated, as long as TEMPC is set. See Activating a Card for more information.
3. Because the card has a new PAN, a new PIN must be set. See PIN-Set Procedures for more information.

Adding an instant-issue card to an existing user

The most common use case for adding an instant-issue card to an existing user is to provide a temporary physical card when a card has been lost, stolen or damaged, while waiting for the replacement or reissued card to be embossed and mailed.

Perform these steps when a cardholder comes to your place of business to report a lost, stolen, or damaged card.

1. Initiate the process to replace the card:
   • For lost or stolen cards follow the steps in the Lost, Stolen, or Damaged Cards guide.
   • For damaged cards follow the steps in Use case 1: Reissue card with same PAN and new expiry of Reissuing Cards.
2. Call Add Card with these parameters:
   • accountNo: PRN of old card
   • newAccountNo: PRN of instant-issue card
   • prodId: Product ID of instant-issue card
3. The instant-issue card is activated by the endpoint call.
4. The endpoint returns the card_id of the instant-issue card. The PRN is the same as the lost, stolen, or damaged card.

Fraud mitigation

All cards are vulnerable to BIN attacks, wherein fraudsters obtain your BIN and then use software to guess the rest of the digits, as well as the expiry date and CVV. When they make a successful transaction for a tiny amount, they then use the successful combination to make as many purchases as possible before you detect the fraud.

If you become aware of an attack on your BIN, you can use Modify Status to cancel the compromised accounts. However, you cannot use Modify Status on your unissued cards, because their accounts don't exist on the Galileo system yet. You have these options to cancel the unissued cards:

• Provide a list of affected PANs to Galileo, and Galileo will cancel them.
• Cancel the affected cards by changing their status in the CST.