Setup for Virtual Cards
This guide describes developer implementation for virtual cards. For general information and use cases, see Virtual cards in the Choose Your Card Strategy guide.
For information about digital cards, see Digital cards in the Choose a Card Strategy guide.
To create a virtual card account you must first set up a virtual card product. See Galileo setup for the parameters. This card product does not have embossing information included with it.
Note
There is a difference between virtual cards—cards that do not have a physical counterpart—and virtual accounts, which are accounts that do not have cards, such as savings or overdraft accounts.
As part of a virtual-card product setup, you must submit at least one virtual card template to Galileo. Follow the instructions for digital card design in the Design a Card guide.
Creating a virtual card account
Consult this table for the endpoints to use when creating a virtual card account. In all cases, the prodId
must be for a virtual card account.
Note
Because the card is active upon creation, Galileo sends the
BACT: card_activated
event message.
Use Case | Endpoint |
---|---|
Onboard a new customer and issue a virtual card | Create Account (Creating an Account guide) |
Onboard a new customer and issue a virtual card. You must be PCI compliant to use this endpoint. | Create Virtual Card Account (Creating an Account guide) |
Add a virtual card account to an existing customer record | Add Account (Adding an Account guide) |
Presenting the virtual card
After the card account has been created, you can retrieve the card image to display in your app or on your web site. Follow the instructions for Digital card images in the Retrieving Card Information guide.
Upgrading to a physical card
If you are using a Virtual First strategy—where you issue a virtual card first, then upgrade to a physical card for cardholders who meet certain criteria—follow the instructions in Use case 2: Product switch with reissue and same PAN and expiry in the Switching Products guide.
Galileo setup
These internal parameters must be set at Galileo, according to your use case.
Parameter | Level | Description |
---|---|---|
NNEXP | Product | Prevents a new expiry from being generated for the physical card. Set to Y for virtual cards to be upgraded to physical by product switch (Virtual First) or for digital images of physical cards (Digital First). |
TSECV | Program or product | Maximum seconds of access-token validity (default: 300) when retrieving the virtual card image. |
TUSEC | Program or product | Maximum times an access token can be used (default: 3) when retrieving the virtual card image. |
Updated 4 days ago