Currency Card Controls, VOP, Beneficiary & Callback Updates

What's New

New Feature: Currency Card Controls

Partners can now restrict or allow card transactions by currency. Currency controls work alongside the existing country controls.

Updated Endpoint: PUT /api/cards/{cardId}/card-controls

Add a currencies object to the request body:

{
  "currencies": {
    "restriction": "ALLOWED | BLOCKED",
    "values": ["EUR", "USD", "GBP"]
  }
}

The currencies field is also returned in GET /api/cards/{cardId}/card-controls responses.

New Endpoint: GET /api/cards/card-controls/supported-currencies

Returns the list of currencies supported for card controls.

New Feature: Verification of Payee (VOP)

Partners can now verify that an account holder name matches a given IBAN before initiating a transfer.

New Endpoint: POST /api/beneficiaries/{beneficiaryId}/payment-details/{paymentDetailId}/verify

Response:

{
  "matchLevel": "MATCH | CLOSE_MATCH | NO_MATCH | UNAVAILABLE"
}

❗️

VOP requests are subject to a configurable daily rate limit per partner. Requests exceeding the quota will receive a rate limit error response.

New Field: accountHolderName in Beneficiary Payment Details

The accountHolderName field is now returned in beneficiary payment detail responses.

Affected Endpoint: GET /api/beneficiaries/{beneficiaryId}/payment-details

New field in response:

{
  "accountDetail": {
    "accountHolderName": "Acme GmbH"
  }
}

Improvement: comment Field on Card Limit Requests

The comment field is now included in card limit change request detail responses. Partners can retrieve the reason provided when a limit change was requested.

Affected Endpoint: GET /api/cards/limits/requests/{limitChangeRequestId}

New field: comment (String, nullable)

Improvement: taxIdentificationNumber Now Optional in Onboarding

The taxIdentificationNumber field in taxResidences is no longer mandatory for UBOs and Authorized Signatories. Partners may omit it if not available.

Affected resource: Onboarding submission taxResidences[].taxIdentificationNumber

New Callbacks: Card Benefit Load and Unload Events

Partners can now subscribe to notifications when benefit funds are loaded or unloaded from a card.

New event types:

• CARD_BENEFIT_LOADED -- fired when benefit funds are loaded to a card
• CARD_BENEFIT_UNLOADED -- fired when benefit funds are removed from a card

Payload fields: organizationId, cardId, cardAccountId, loadAmount / unloadAmount

Subscribe via the existing CardSubscriptionRequest with the new event types.

New Callback: Cardholder Identity Verification Status Changed

Partners can now subscribe to notifications when a cardholder's identity verification status changes.

New event type: CARDHOLDER_LEGITIMATION_STATUS_CHANGED

Payload fields: organizationId, cardholderId, previous status, new status, verification timestamps

Subscribe via the existing CardholderSubscriptionRequest.