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Card Accounts

Card Accounts

A Card Account is the financial core behind each CleverCard. It holds either a prepaid balance or enforces a spending limit, depending on your configuration. Every digital card issued via a Card Token is backed by a Card Account, which governs how funds are allocated, spent, and monitored.

Card Accounts offer granular control over funds and provide a transparent, auditable layer for all transactions linked to a card. Once a card token is redeemed, a corresponding Card Account is automatically created and linked to the recipient’s card.

Businesses can use Card Accounts to:

  • Monitor and control prepaid balances
  • Enforce transaction limits and spending rules
  • Suspend or restrict access to funds
  • Track usage and reconcile disbursements

This model supports a wide variety of use cases—from managing employee expenses and incentives to handling real-time insurance payouts or earnings disbursement.

Available Operations

The CleverCards API provides the following operations for managing Card Accounts:

  • GET /accounts/card-account
    List card accounts – Retrieve a paginated list of all card accounts associated with your company account. Useful for auditing, reporting, and operational oversight.

  • GET /accounts/card-account/{cardId}
    Retrieve a card account – Fetch detailed information about a specific card account using its unique ID.

  • POST /accounts/card-account/{cardId}/add-funds
    Add funds to a card account – Load funds into an existing card account to increase its available balance.

  • POST /accounts/card-account/{cardId}/remove-funds
    Remove funds from a card account – Unload or reclaim available funds from a card account.

  • GET /accounts/card-account/{cardId}/balance
    Get card account balance – Retrieve the current balance of the specified card account.

  • GET /accounts/card-account/{cardId}/transactions
    List card account transactions – Retrieve all transactions made using the specified card account. Enables real-time financial tracking and detailed reconciliation of funds.

These operations give your organization robust financial control and real-time visibility over how prepaid digital cards are used, ensuring funds are always secure, trackable, and governed according to your business rules.