Issue Virtual Card
curl --request POST \
--url https://api.laikipay.com/v1/merchant/cards \
--header 'Authorization: Bearer <token>'import requests
url = "https://api.laikipay.com/v1/merchant/cards"
headers = {"Authorization": "Bearer <token>"}
response = requests.post(url, headers=headers)
print(response.text)const options = {method: 'POST', headers: {Authorization: 'Bearer <token>'}};
fetch('https://api.laikipay.com/v1/merchant/cards', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.laikipay.com/v1/merchant/cards",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"net/http"
"io"
)
func main() {
url := "https://api.laikipay.com/v1/merchant/cards"
req, _ := http.NewRequest("POST", url, nil)
req.Header.Add("Authorization", "Bearer <token>")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.laikipay.com/v1/merchant/cards")
.header("Authorization", "Bearer <token>")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.laikipay.com/v1/merchant/cards")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
response = http.request(request)
puts response.read_bodyVirtual Cards API
Issue Virtual Card
Provision a programmable virtual USD VISA card
POST
/
cards
Issue Virtual Card
curl --request POST \
--url https://api.laikipay.com/v1/merchant/cards \
--header 'Authorization: Bearer <token>'import requests
url = "https://api.laikipay.com/v1/merchant/cards"
headers = {"Authorization": "Bearer <token>"}
response = requests.post(url, headers=headers)
print(response.text)const options = {method: 'POST', headers: {Authorization: 'Bearer <token>'}};
fetch('https://api.laikipay.com/v1/merchant/cards', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.laikipay.com/v1/merchant/cards",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"net/http"
"io"
)
func main() {
url := "https://api.laikipay.com/v1/merchant/cards"
req, _ := http.NewRequest("POST", url, nil)
req.Header.Add("Authorization", "Bearer <token>")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.laikipay.com/v1/merchant/cards")
.header("Authorization", "Bearer <token>")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.laikipay.com/v1/merchant/cards")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
response = http.request(request)
puts response.read_bodyIssue a new programmable virtual USD VISA card. The card creation fee ($2.00) plus your initial funding amount is debited from your merchant USD vault.
Response (
Alternative: Issue Lite Virtual Card (
For fast onboarding requiring only essential customer information (limits up to $250.00 USD):
Headers
| Header | Type | Description |
|---|---|---|
Authorization | string | Bearer <accessToken> |
Content-Type | string | application/json |
Request Body
| Parameter | Type | Required | Description |
|---|---|---|---|
nameOnCard | string | Yes | Cardholder name embossed on the virtual card (e.g., Alex Morgan). |
amount | number | Yes | Initial card funding amount in USD (minimum $1.00). |
cardBrand | string | No | Card brand. Only VISA is currently supported. Default is VISA. |
currency | string | No | Card currency. Default is USD. |
colorTheme | string | No | Visual theme name (e.g. Midnight Black). Default is Midnight Black. |
reference | string | No | Custom merchant reference ID for idempotency and internal reconciliation. |
customer | object | No | Cardholder customer profile (recommended for KYC compliance). |
Customer Object Properties
| Property | Type | Required | Description |
|---|---|---|---|
firstName | string | Yes | Cardholder given name. |
lastName | string | Yes | Cardholder surname. |
email | string | Yes | Cardholder email address. |
phoneNumber | string | Yes | Cardholder phone number. |
dialCode | string | No | Country dialing code (e.g. +234, +1). Default +234. |
dateOfBirth | string | No | Date of birth formatted as YYYY-MM-DD. |
line1 | string | No | Billing street address. |
city | string | No | Billing city. |
state | string | No | Billing state or province. |
postalCode | string | No | ZIP or postal code. |
country | string | No | ISO-3 country code (e.g. US, NGA). |
Request Example
curl -X POST "https://api.laikipay.com/v1/merchant/cards" \
-H "Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9..." \
-H "Content-Type: application/json" \
-d '{
"nameOnCard": "Alex Morgan",
"amount": 10.00,
"cardBrand": "VISA",
"currency": "USD",
"colorTheme": "Midnight Black",
"reference": "CRD_ORD_001",
"customer": {
"firstName": "Alex",
"lastName": "Morgan",
"email": "alex.morgan@example.com",
"phoneNumber": "08012345678",
"dialCode": "+234",
"dateOfBirth": "1995-05-15",
"line1": "100 Financial District Blvd",
"city": "New York",
"state": "NY",
"postalCode": "10005",
"country": "US"
}
}'
const response = await fetch('https://api.laikipay.com/v1/merchant/cards', {
method: 'POST',
headers: {
'Authorization': `Bearer ${accessToken}`,
'Content-Type': 'application/json',
},
body: JSON.stringify({
nameOnCard: 'Alex Morgan',
amount: 10.00,
cardBrand: 'VISA',
currency: 'USD',
reference: 'CRD_ORD_001',
customer: {
firstName: 'Alex',
lastName: 'Morgan',
email: 'alex.morgan@example.com',
phoneNumber: '08012345678',
dialCode: '+234',
},
}),
});
const result = await response.json();
Response (201 Created)
{
"status": "success",
"data": {
"message": "Virtual card successfully provisioned and ready for use.",
"card": {
"id": "crd_8f921ab0c1",
"cardType": "VIRTUAL",
"cardBrand": "VISA",
"maskedPan": "411111******1111",
"nameOnCard": "Alex Morgan",
"balanceAmount": 10.0,
"currency": "USD",
"status": "ACTIVE",
"createdStatus": "COMPLETED",
"reference": "CRD_ORD_001",
"billingAddress": {
"street": "100 Financial District Blvd",
"city": "New York",
"state": "NY",
"postalCode": "10005",
"country": "US"
},
"colorTheme": "Midnight Black",
"createdAt": "2026-10-12T07:05:00.000Z",
"updatedAt": "2026-10-12T07:05:00.000Z"
}
},
"timestamp": "2026-10-12T07:05:01.000Z",
"path": "/api/v1/merchant/cards"
}
Alternative: Issue Lite Virtual Card (POST /cards/lite)
For fast onboarding requiring only essential customer information (limits up to $250.00 USD):
cURL
curl -X POST "https://api.laikipay.com/v1/merchant/cards/lite" \
-H "Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9..." \
-H "Content-Type: application/json" \
-d '{
"nameOnCard": "Jane Smith",
"amount": 25.00,
"customer": {
"firstName": "Jane",
"lastName": "Smith",
"email": "jane.smith@example.com",
"phoneNumber": "08098765432",
"dialCode": "+234"
}
}'

