Digital card life cycle

A digital card can move through several states until it is deleted.

Some payment network TSPs support digital card expiration and renewal. Align this behavior during Tokenization design with the issuer and the Token requestor (for example, xPay Wallets).

Use the sections below to understand who can trigger each LCM event.

Life cycle management from the token requestor

A request to change a digital card state can come from the Token requestor.

This is often initiated by the End User in the token requestor UI or self-service tools.

In many implementations, the Token requestor only sends delete requests to the payment network TSP. Suspension and resumption are often handled locally by the digital wallet application.

APIs involved are:

• Notify digital card operation. Notifies your issuer backend that an event occurred on the digital card.
• Get operation. Optionally retrieves operation details.
• Get details. Optionally retrieves full digital card details.

Choose which APIs to call based on your servicing and fraud needs.

Life cycle management from the issuer

Your issuer backend can also request digital card state changes.

For example, an End User can ask customer service to delete digital cards after a device loss.

With the digitalCardId, you can perform these operations:

• Suspend. Requests suspension from the payment network TSP.
• Resume. Resumes a previously suspended digital card.
• Delete. Permanently deletes the digital card.

You cannot resume a deleted digital card.

After digital card deletion, D1 can also send notifications to the End User. This is optional and might be required by some token requestors. See End User notifications.

Digital card renewal

A digital card can expire.

When supported, the payment network TSP renews the digital card and notifies the Token requestor.

Issuer notification is optional (opt-in).

APIs involved are:

• Notify digital card operation. Notifies that an event occurred on the digital card.
• Get digital card credentials. Optionally retrieves the renewed digital card credentials. The payment network TSP keeps the same digitalCardId.