> ## Documentation Index
> Fetch the complete documentation index at: https://docs.usenumero.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Issue Card

> Issue a USD virtual card to a customer, with KYC supplied inline.

Issue a USD virtual card. Pass the cardholder's KYC inline (the cardholder is created or reused automatically), or use the [Cardholders](/api-reference/cardholders-issue-card) flow to issue to an existing cardholder. `initialBalance` is debited from your USD card wallet (fund-first). Every card is a wallet-enabled USD card (addable to Apple/Google Wallet), so `capability` is optional — omit it, or send `APPLE_PAY`/`GOOGLE_PAY` explicitly.

> Card endpoints use the same base URL and API key as the rest of the API, and are signature-gated:
> send `X-Numero-Signature` and `X-Numero-Signature-Version: v2` as well. See [Request signing](/03-request-signing).

## Endpoint

```
POST /api/v1/business/card/issue
```

**Signature required:** Yes

## Headers

| Header                       | Required | Description                                                                                                                                                                    |
| ---------------------------- | -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| `X-Numero-Api-Key`           | Yes      | Your API key                                                                                                                                                                   |
| `X-Numero-Signature`         | Yes      | Base64 HMAC-SHA256 over the exact raw request body (POST) or the canonicalised query string (GET), keyed with your **Public Key**. See [Request signing](/03-request-signing). |
| `X-Numero-Signature-Version` | Yes      | Always `v2`.                                                                                                                                                                   |

## Request body

| Field            | Type   | Required | Description                                                                                     |
| ---------------- | ------ | -------- | ----------------------------------------------------------------------------------------------- |
| `productCode`    | string | Yes      | Card product to issue from (see [List Card Products](/api-reference/cards-products))            |
| `capability`     | string | No       | `APPLE_PAY` · `GOOGLE_PAY`. Omit for the same wallet-enabled card — it is the only type issued. |
| `initialBalance` | number | No       | USD loaded onto the card at issue (debited from your USD card wallet)                           |
| `firstName`      | string | Yes      | Cardholder first name                                                                           |
| `lastName`       | string | Yes      | Cardholder last name                                                                            |
| `email`          | string | No       | Cardholder email                                                                                |
| `phone`          | string | No       | Cardholder phone                                                                                |
| `dateOfBirth`    | string | No       | `YYYY-MM-DD`                                                                                    |
| `address1`       | string | No       | Street address                                                                                  |
| `city`           | string | No       | City                                                                                            |
| `state`          | string | No       | State                                                                                           |
| `zipcode`        | string | No       | Postal code                                                                                     |
| `country`        | string | No       | ISO country code, e.g. `NG`                                                                     |
| `idType`         | string | No       | e.g. `BVN`, `PASSPORT`                                                                          |
| `idNumber`       | string | No       | ID number                                                                                       |
| `bvn`            | string | No       | Bank Verification Number (required by some issuers)                                             |
| `label`          | string | No       | Friendly card name                                                                              |

## Request example

```bash theme={null}
curl -X POST "https://api.usenumero.com/numeroaccount/api/v1/business/card/issue" \
  -H "X-Numero-Api-Key: your_api_key" \
  -H "X-Numero-Signature: $SIGNATURE" \
  -H "X-Numero-Signature-Version: v2" \
  -H "Content-Type: application/json" \
  -d '{
    "productCode": "USD_APPLE_PAY",
    "capability": "APPLE_PAY",
    "initialBalance": 25,
    "firstName": "Ada",
    "lastName": "Obi",
    "email": "ada@example.com",
    "country": "NG",
    "bvn": "22222222222"
  }'
```

## Response

Returns the issued [card](/api-reference/cards-get) (masked only).

```json theme={null}
{
  "data": {
    "cardReference": "NCRD24AD18BEBD474A",
    "customerId": "NCUS9953596C2B7F45",
    "label": "Ads spend",
    "brand": "Visa",
    "firstSix": "428852",
    "lastFour": "6353",
    "expiryMonth": "06",
    "expiryYear": "2029",
    "currency": "USD",
    "balance": 25.0,
    "status": "Active",
    "isPhysical": false,
    "dailyLimit": 5000,
    "perTransactionLimit": 1000,
    "issuedAt": "2026-06-16T12:00:00Z",
    "capabilities": [
      "USD",
      "APPLE_PAY",
      "GOOGLE_PAY"
    ]
  },
  "error": null,
  "meta": {
    "request_id": "req_365123ebc73323f1482508560ce6400e",
    "pagination": null
  }
}
```