Create Card

POST

cards

curl -X POST https://api.swervpay.co/api/v1/cards \
  -H "Authorization: Bearer <TOKEN>" \
  -H "Content-Type: application/json" \
  -d '{
    "customer_id": "user",
    "currency": "NGN",
    "issuer": "VERVE",
    "amount": 1000,
    "type": "DEFAULT"
  }'

import { SwervpayClient } from '@swervpaydev/sdk';

const config = {
    secretKey: "<SECRET_KEY>",
    businessId: "<BUSINESS_ID>"
}

const swervpay = new SwervpayClient(config);

await swervpay.card.create({
    customer_id: "user",
    currency: "NGN",
    issuer: "VERVE",
    amount: 1000,
    type: "DEFAULT"
})

use Swervpaydev\SDK\Swervpay;

$config = [
	'business_id' => '<BUSINESS_ID>',
	'secret_key' => '<SECRET_KEY>'
];

$client = new Swervpay($config);

$client->card()->create([
    "customer_id" => "user",
    "currency" => "NGN",
    "issuer" => "VERVE",
    "amount" => 1000,
    "type" => "DEFAULT"
]);

package main

import (
	"context"
	"fmt"
	"github.com/swerv-ltd/swervpay-go"
	"log"
)

func main() {
	ctx := context.Background()

	client := swervpay.NewSwervpayClient(&swervpay.SwervpayClientOption{
        BusinessID: "<BUSINESS_ID>",
        SecretKey: "<SECRET_KEY>",
    })

    data := swervpay.CreateCardBody{
        Type: "DEFAULT",
        Currency: "NGN",
        Issuer: "VERVE",
        CustomerId: "user",
        Amount: 1000
    }

	resp, err := client.Card.Create(ctx, data)

	if err != nil {
		log.Fatal("error", err.Error())
		return
	}
}

{
  "card_id": "<string>",
  "message": "<string>"
}

{
  "message": "<string>",
  "values": {}
}

{
  "message": "<string>",
  "values": {}
}

{
  "code": "CARD_VERIFICATION_PENDING",
  "message": "Customer identity verification is processing. No card has been created or debited. Check verification status before retrying card creation."
}

{
  "message": "<string>",
  "values": {}
}

Create a virtual card for an approved customer. Card currency and issuer must use one of these supported combinations:

Currency	Issuer	Supported type
USD	`VISA`	`DEFAULT`, `LITE`, or `COOPERATE`
USD	`MASTERCARD`	`LITE`
NGN	`VERVE`	`DEFAULT`

NGN Verve cards are charged an issuance fee of NGN 1,000 in addition to the initial card balance. The declined transaction fee is NGN 500. Card funding, withdrawal, and termination fees are currently zero. After issuance succeeds, set the card PIN using the Set Card PIN endpoint.

Pending Identity Verification

For non-Nigerian DEFAULT USD cards on the production API, the document KYC flow can return HTTP 409 with CARD_VERIFICATION_PENDING before issuance. No card, prefund debit, or issuance-fee debit is created while verification is pending.

Poll Get Card Verification at most once per minute. Submit a new card request only when can_create_card is true. Approval does not automatically resume issuance. A normal HTTP 200 response with a card_id means issuance has started processing; track that card instead of submitting duplicate creation requests. The Nigerian BVN and NGN Verve paths remain unchanged by this addition.

curl -X POST https://api.swervpay.co/api/v1/cards \
  -H "Authorization: Bearer <TOKEN>" \
  -H "Content-Type: application/json" \
  -d '{
    "customer_id": "user",
    "currency": "NGN",
    "issuer": "VERVE",
    "amount": 1000,
    "type": "DEFAULT"
  }'

import { SwervpayClient } from '@swervpaydev/sdk';

const config = {
    secretKey: "<SECRET_KEY>",
    businessId: "<BUSINESS_ID>"
}

const swervpay = new SwervpayClient(config);

await swervpay.card.create({
    customer_id: "user",
    currency: "NGN",
    issuer: "VERVE",
    amount: 1000,
    type: "DEFAULT"
})

use Swervpaydev\SDK\Swervpay;

$config = [
	'business_id' => '<BUSINESS_ID>',
	'secret_key' => '<SECRET_KEY>'
];

$client = new Swervpay($config);

$client->card()->create([
    "customer_id" => "user",
    "currency" => "NGN",
    "issuer" => "VERVE",
    "amount" => 1000,
    "type" => "DEFAULT"
]);

package main

import (
	"context"
	"fmt"
	"github.com/swerv-ltd/swervpay-go"
	"log"
)

func main() {
	ctx := context.Background()

	client := swervpay.NewSwervpayClient(&swervpay.SwervpayClientOption{
        BusinessID: "<BUSINESS_ID>",
        SecretKey: "<SECRET_KEY>",
    })

    data := swervpay.CreateCardBody{
        Type: "DEFAULT",
        Currency: "NGN",
        Issuer: "VERVE",
        CustomerId: "user",
        Amount: 1000
    }

	resp, err := client.Card.Create(ctx, data)

	if err != nil {
		log.Fatal("error", err.Error())
		return
	}
}

amount is expressed in the currency’s major unit. For example, 1000 means NGN 1,000, not 1,000 kobo.

Authorizations

Authorization

string

header

required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Body

application/json

amount

number

business_email

string

currency

string

customer_id

string

director_bvn

string

document

object

Show child attributes

expiry_date

string

issuer

string

name_on_card

string

phone_number

string

rc_number

string

type

string

Response

card_id

string

message

string

curl -X POST https://api.swervpay.co/api/v1/cards \
  -H "Authorization: Bearer <TOKEN>" \
  -H "Content-Type: application/json" \
  -d '{
    "customer_id": "user",
    "currency": "NGN",
    "issuer": "VERVE",
    "amount": 1000,
    "type": "DEFAULT"
  }'

import { SwervpayClient } from '@swervpaydev/sdk';

const config = {
    secretKey: "<SECRET_KEY>",
    businessId: "<BUSINESS_ID>"
}

const swervpay = new SwervpayClient(config);

await swervpay.card.create({
    customer_id: "user",
    currency: "NGN",
    issuer: "VERVE",
    amount: 1000,
    type: "DEFAULT"
})

use Swervpaydev\SDK\Swervpay;

$config = [
	'business_id' => '<BUSINESS_ID>',
	'secret_key' => '<SECRET_KEY>'
];

$client = new Swervpay($config);

$client->card()->create([
    "customer_id" => "user",
    "currency" => "NGN",
    "issuer" => "VERVE",
    "amount" => 1000,
    "type" => "DEFAULT"
]);

package main

import (
	"context"
	"fmt"
	"github.com/swerv-ltd/swervpay-go"
	"log"
)

func main() {
	ctx := context.Background()

	client := swervpay.NewSwervpayClient(&swervpay.SwervpayClientOption{
        BusinessID: "<BUSINESS_ID>",
        SecretKey: "<SECRET_KEY>",
    })

    data := swervpay.CreateCardBody{
        Type: "DEFAULT",
        Currency: "NGN",
        Issuer: "VERVE",
        CustomerId: "user",
        Amount: 1000
    }

	resp, err := client.Card.Create(ctx, data)

	if err != nil {
		log.Fatal("error", err.Error())
		return
	}
}

{
  "card_id": "<string>",
  "message": "<string>"
}

{
  "message": "<string>",
  "values": {}
}

{
  "message": "<string>",
  "values": {}
}

{
  "code": "CARD_VERIFICATION_PENDING",
  "message": "Customer identity verification is processing. No card has been created or debited. Check verification status before retrying card creation."
}

{
  "message": "<string>",
  "values": {}
}

API Documentation

Authentication

Business

Bills

Cards

Checkout

Customers

Collections

FX

Identity

Invoices

Others

Payouts

Transactions

Wallets

Webhook

Pending Identity Verification

Authorizations

Body

Response

​Pending Identity Verification

Authorizations

Body

Response

Pending Identity Verification