Manage card life cycle
Card life cycle and operations
The diagram below shows the different life cycle states of a card.
In addition to the state, each card exposes an ongoingOperation property.
This property indicates whether renewal has been initiated and activation of the reissued card is expected.
ongoingOperation is available in both the D1 API and the D1 SDK.
Card life cycle operations
You can perform card life cycle operations through:
D1 API
D1 SDK
D1 portal
For API details, use the D1 API reference pages under Integrate D1 API.
Life cycle operation reasons
Provide a reason every time you perform a card life cycle operation.
The tables below summarize the available reasons and their impact.
Suspend reasons
CARD_LOST
The card has been reported as lost. You can:
- resume the card using the reason CARD_FOUND.
- request a replacement.
CARD_STOLEN
The card has been reported as stolen. The card remains suspended until you explicitly request a replacement.
CARD_BROKEN
The card is damaged and no longer works. The card remains suspended until you explicitly request a replacement.
FRAUD
The card is compromised. The card remains suspended until you explicitly request a replacement.
USER_DECISION
The end user has decided to temporarily suspend the card. The card can be resumed with USER_DECISION or ISSUER_DECISION.
ISSUER_DECISION
The issuer has decided to temporarily suspend the card. The card can be resumed with ISSUER_DECISION.
Resume reasons
CARD_FOUND
The card has been found and was previously suspended with the reason CARD_LOST.
ISSUER_DECISION
The issuer has decided to resume the card.
USER_DECISION
The end user has decided to resume the card and the card was previously suspended with USER_DECISION.
Delete reasons
CLOSED_ACCOUNT
The end user has closed the account and the card must be deleted/canceled.
CLOSED_CARD
The card must be deleted/canceled.
CARD_LOST
The card has been reported as lost and must be deleted/canceled.
CARD_STOLEN
The card has been reported as stolen and must be deleted/canceled.
CARD_BROKEN
The card is damaged and must be deleted/canceled.
FRAUD
The card is compromised and must be deleted/canceled.
USER_DECISION
The end user has decided to delete the card.
ISSUER_DECISION
The issuer has decided to delete the card.
Replacement reasons
CARD_LOST
The card has been reported as lost.
CARD_STOLEN
The card has been reported as stolen.
CARD_BROKEN
The card is damaged and no longer works.
FRAUD
The card is compromised.
ISSUER_DECISION
The issuer has decided to replace the card.
Renewal reasons
USER_DECISION
The end user has decided to renew the card.
ISSUER_DECISION
The issuer has decided to renew the card.
CARD_EXPIRED
The card has been renewed because it has expired or is about to expire.
D1 API operations
Use these D1 API endpoints for life cycle operations:
You can retrieve the card list using Get card list.
If you need card details, use Get card details.
Renewal and replacement flows
Automatic renewal
Automatic renewal is available only for cards created with D1.
D1 monitors card expiry dates and can trigger renewal a few weeks before expiration.
Manual renewal
Manual renewal is available for cards created with D1 and for registered cards.
Trigger manual renewal using the Renew a card endpoint.
If the card is registered (not created with D1), provide the new PAN and/or expiry date so D1 stays up to date.
Manual replacement flow
Manual replacement is available for cards created with D1 and for registered cards.
Trigger manual replacement using the Replace a card endpoint.
If the card is registered (not created with D1), provide the new PAN and/or expiry date so D1 stays up to date.
New card activation
Depending on your card product configuration, after renewal or replacement the new card may be created in the INACTIVE state.
There are three ways to activate the card:
Activation at first card-present transaction with a valid PIN (cards created via D1 only).
Manual activation using the D1 API (not yet available).
Manual activation from the issuer application using the D1 SDK (not yet available).
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