Managing Cards

Learn how to renew, replace, and reissue physical cards.

Renew Physical Card

As physical cards approach expiry, customers can renew physical cards, generating a physical card with the same card token and PAN, but updated expiry and CVC2 code. API Reference: Renew Physical Card

This flow is best suited for replacing a card approaching expiry. To set up a card renewal flow:

  1. Make a POST request to /cards/{card_token_UUID}/renew.
  2. This POST request will trigger a physical card shipment. As part of this POST request, you must specify an address for the card to be shipped.
  3. The card's state will change to PENDING_FULFILLMENT. Once the card has been created by the card manufacturer, the state will change again to PENDING_ACTIVATION. Once the card is delivered to the cardholder, you should activate it by changing state to OPEN.
  4. The new physical card will only start working for card-present transactions once activated (the state is changed from PENDING_ACTIVATION back to OPEN)
  5. The original physical card will keep working for card-present transactions until the new card is activated. For card-not-present transactions, the original card details (expiry, CVC2) will also keep working until the new card is activated.
  6. Lithic will pass along the updated card details to Mastercard's Automatic Billing Updater. Participating merchants will be able to update the card-on-file information.

Replace Physical Card

Replace a card with a new physical card with a different PAN (e.g. card was stolen). API Reference: Replace Physical Card.

This flow closes the original card and creates a new card with a new PAN, expiry, CVC2, and card token. This is best suited for replacing a lost or stolen card whose number is no longer secure. To set up a card replacement flow:

  1. Make a POST request to the /cards endpoint. In your request, specify the UUID of the card you want to replace in the replacement_for field.
  2. This POST request will trigger a physical card shipment. As part of this POST request, you must specify an address for the card to be shipped.
  3. Please note: this POST request will immediately change the predecessor physical card's state to CLOSED and that physical card will no longer be able to transact.
  4. The new card's state will change to PENDING_FULFILLMENT. Once the card has been created by the card manufacturer, the state will change again to PENDING_ACTIVATION. Once the card is delivered to the cardholder, you should activate it by changing state to OPEN.
  5. The replacement card will be created with the replacement_for field populated with the predecessor card's token for future reference.
  6. Lithic will pass along the updated card details to Mastercard's Automatic Billing Updater. Participating merchants will be able to update the card-on-file information.

Reissue Physical Card

Initiate print and shipment of a replacement physical card (e.g. card is physically damaged). API Reference: Reissue card.

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Note: We recommend customers use the Renew Physical Card or Replace Physical Card endpoints if possible. Please reference the table below to understand the differences

ReissueRenewReplace
Card tokensamesamenew
PANsamesamenew
Expirysamenewnew
CVC2samenewnew
New card can transactonce activatedonce activatedonce activated
Old card can transactuntil new card is activateduntil new card is activatedold card is closed immediately

When you reissue a physical card, the following will happen:

  1. The card state will change from OPEN to PENDING_FULFILLMENT. Once the card has been created by the card manufacturer, the state will change again to PENDING_ACTIVATION. Once the card is delivered to the cardholder, you should activate it by changing state to OPEN.
  2. The PAN, expiry, and CVC2 will remain the same (with the exception of cards created before 5/2023 - CVC2 will change in those cases). These credentials can be used for card-not-present transactions at any time.
  3. The new physical card will only start working for card-present transactions once activated (the state is changed from PENDING_ACTIVATION back to OPEN)
  4. The original physical card will keep working for card-present transactions until the new card is activated.