> For the complete documentation index, see [llms.txt](https://docs.linora.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.linora.finance/cards-and-usage/api/cards.md).

# Cards

> **Cards API** The Cards API is used to create and manage virtual cards, handle card balances, and retrieve card-related data.

Each card is linked to a specific user and operates with an independent balance.

<table data-view="cards"><thead><tr><th></th><th data-hidden data-card-cover data-type="image">Cover image</th></tr></thead><tbody><tr><td><p><mark style="color:blue;"><strong>Card entity</strong></mark></p><p>A card represents a virtual payment instrument with:</p><ul><li>a unique card identifier (<code>cardId</code>),</li><li>its own balance</li><li>card details (number, expiry date, CVV)</li><li>a status indicating availability.</li></ul><p>Cards are always created <strong>from a user’s wallet balance</strong>.</p></td><td><a href="/files/hP32LV8KrR4dy6NyRl2V">/files/hP32LV8KrR4dy6NyRl2V</a></td></tr><tr><td><p><mark style="color:blue;"><strong>Create card</strong></mark></p><p>The API allows issuing a new virtual card for an existing user.</p><p><strong>Card creation includes:</strong></p><ul><li>assigning a card name,</li><li>allocating an initial balance,</li><li>applying issuance and service fees.</li></ul></td><td><a href="/files/xCbHgvI4k2VKxARre4eJ">/files/xCbHgvI4k2VKxARre4eJ</a></td></tr><tr><td><p><mark style="color:blue;"><strong>Card limits and fees</strong></mark></p><p>Card-related operations may include:</p><ul><li><strong>issuance fee</strong></li><li><strong>service fee</strong></li><li><strong>minimum and maximum balance limits</strong></li></ul><p>These values are returned in API responses and should be used for validation and cost calculation.</p></td><td><a href="/files/Rc04hJMqTeOY6GnncNa7">/files/Rc04hJMqTeOY6GnncNa7</a></td></tr><tr><td><p><mark style="color:blue;"><strong>Get cards list</strong></mark></p><p>You can retrieve all cards associated with a user.</p><p>Returned data may include:</p><ul><li>card identifiers,</li><li>current balances,</li><li>card status.</li></ul><p>This endpoint is useful for:</p><ul><li>account overview</li><li>internal mapping</li><li>card selection logic</li></ul></td><td><a href="/files/pC1W5i60ljCLoWxfjHq0">/files/pC1W5i60ljCLoWxfjHq0</a></td></tr><tr><td><p><mark style="color:blue;"><strong>Get card details</strong></mark></p><p>Detailed card information can be retrieved using the card identifier.</p><p>This includes:</p><ul><li>card number</li><li>expiry date</li><li>CVV</li><li>current balance</li><li>status</li></ul></td><td><a href="/files/q6wnUMYXpyKkXZs79IDN">/files/q6wnUMYXpyKkXZs79IDN</a></td></tr><tr><td><p><mark style="color:blue;"><strong>Top up card</strong></mark></p><p>Cards can be topped up using funds from the user’s wallet.</p><p><strong>Top-up behavior:</strong></p><ul><li>funds are deducted from the wallet</li><li>a service fee may apply</li><li>card balance is updated immediately after success</li></ul></td><td><a href="/files/NMeplJbCEvmaVeA5J0h2">/files/NMeplJbCEvmaVeA5J0h2</a></td></tr><tr><td><p><mark style="color:blue;"><strong>Card transactions</strong></mark></p><p>The API provides access to card transaction history.</p><p>This includes:</p><ul><li>transaction amounts</li><li>timestamps</li><li>transaction status</li></ul><p>This endpoint is intended for monitoring and reconciliation</p></td><td><a href="/files/iAMrrlvW1dMdbxOCpqzs">/files/iAMrrlvW1dMdbxOCpqzs</a></td></tr><tr><td><p><mark style="color:blue;"><strong>OTP codes</strong></mark></p><p>For supported operations, OTP codes can be retrieved via the API.</p><p>OTP responses include:</p><ul><li>the one-time password</li><li>expiration time</li><li>associated card identifier</li></ul><p><strong>Important</strong></p></td><td><a href="/files/YHaBHbESS4RdefVi6hk8">/files/YHaBHbESS4RdefVi6hk8</a></td></tr><tr><td><p><mark style="color:blue;"><strong>Common errors</strong></mark></p><ul><li><strong>400</strong> — invalid card or request parameters</li><li><strong>404</strong> — card not found</li><li><strong>409</strong> — insufficient balance</li><li><strong>429</strong> — rate limit exceeded</li></ul></td><td><a href="/files/7POqhfPGqC8Vr2qQgj1A">/files/7POqhfPGqC8Vr2qQgj1A</a></td></tr><tr><td><p><mark style="color:blue;"><strong>Operational notes</strong></mark></p><ul><li>Card balances are independent from wallet balances</li><li>Failed card operations do not modify balances</li><li>All card actions are executed in real time</li></ul></td><td><a href="/files/LyjVWfec1upV3Re0R0bw">/files/LyjVWfec1upV3Re0R0bw</a></td></tr></tbody></table>


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