Physical Naira Cards

Learn how to issue Naira physical cards.

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Note

  1. We can only issue Naira physical cards. If you need to issue your customers USD payment cards, you should issue them a virtual card.
  2. Paying online with the physical card requires OTP which will be sent automatically by the issuing bank to the phone number linked to the account holder. So please, make sure you've collected the right phone number from your customer when creating an account holder.

Overview

Creating physical cards with Mono Issuing

Learn how to process a Physical bank card via APIs in 2 simple steps.

Step 1: Request for Physical Card
Step 2: Get Physical Card Details


Step 1: Request for Physical Card

Here, a physical card will be processed and assigned to an account holder. This request contains only the account holder ID field. If an Account Holder doesn’t exist yet, please follow the guide here.

API Reference

curl --location --request POST 'https://api.withmono.com/issuing/v1/cards/physical' \
--data-raw '{
    "account": "61b34fe42b64b9700b63b71b"
}'
{
  "status": "successful",
  "message": "Card creation is been processed",
  "data": {
    "id": "61bb5dbfe7280ad23d25c17a"
  }
}

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NOTES

  • Mono returns a card (physical) object upon creation, and sends the issuing.physical_card_created webhook event.

Step 2: Get Physical Card Details

With a physical card already created, we can get detailed information about this card via the created card ID.

API Reference

curl --location --request GET 'https://api.withmono.com/issuing/v1/cards/61ad48adf9032a4fdd140d7f
{
  "status": "successful",
  "message": "Card fetched successfully",
  "data": {
    "disposable": false,
    "status": "active",
    "type": "physical",
    "currency": "NGN",
    "brand": "MASTERCARD",
    "created_at": "2021-12-05T23:18:05.813Z",
    "balance": 9950,
    "id": "61ad48adf9032a4fdd140d7f",
    "name_on_card": "olayinka isaiah",
    "card_number": "3hBAHD0OoWnnjgbcVQjWb6qe9ZmKe1fjZpL6o6Uj9ep1Ui5XUOhGMkZdl9wcSDwa",
    "cvv": "PVuWvPcnMWoMupj7H2XPqUByVAmUSwiITo+u9SGUSN0=",
    "card_pan": "536898******4934",
    "last_four": "05mK046JoLYM3D9baFMVhNN4J3RWcpanM2KUTHO1OYs=",
    "expiry_month": "L65M795eo7POa/kiIQs1rnqicawOqDd9Owmh6T3776s=",
    "expiry_year": "CIi3xAjYemEddUzcyDhcgJxWrcMBeJwR77fvLa7EWJI="
  }
}

Set Card Spending Limit

Card limits can only be set daily. E.g A card can perform transactions 5 times daily via a WEB channel, limited to a maximum of 5000000 kobo based on the API sample request below.
Valid channels: WEB, ATM, POS

API Reference

curl --location --request PATCH 'https://api.withmono.com/issuing/v1/cards/61ad4ad941639951af0206ed/limits' \
--data-raw '[
    {
        "channel": "WEB",
        "amount": 5000000,
        "frequency": 5
    }
]'
{
  "status": "successful",
  "message": "Card limits updated successfully"
}

Get Card Spending Limit

The spending limit for an existing card can be fetched via the Card ID.

API Reference

curl --location --request GET 'https://api.withmono.com/issuing/v1/cards/61ad4ad941639951af0206ed/limits'
{
  "status": "successful",
  "message": "Card limits fetched successfully",
  "data": [
    {
      "channel": "WEB",
      "amount": 50000000,
      "frequency": 25
    },
    {
      "channel": "POS",
      "amount": 50000000,
      "frequency": 25
    },
    {
      "channel": "ATM",
      "amount": 15000000,
      "frequency": 5
    }
  ]
}

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How to Fund a Card

To fund a physical card, money must be transferred to the virtual account attached to the card.

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Online payment OTP

OTPs for an online transaction will be sent as an SMS to the phone number and or email attached to the account holder from "securekey"


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