Create debit card application with internal account

Here you will learn how to create a main card application for a physical debit card using the minimum required data. When creating a new card using the minimum required data, if card limits and services are not specified, the system will apply the default limits and services defined by the selected card product.

Use case

In this example, we will demonstrate how to create a main card application for a physical debit card using the minimum required data.

Use case data	API parameters with values
Card application type	"applicationTypeCode": "NEW_CARD"
Card product code	"productCode": "INTERNAL_ACCOUNT_M"
Account owner details	"accountOwner": { "personId": "ID-30496", "accountOwnerTypeCode": "PRIVATE" }
Cardholder details	"cardholder": { "personId": "ID-30496", "firstName": "Isabel", "lastName": "Lacoste" }
Shipping details	"shippingAddress": { "countryCode": "EE", "city": "Tallinn", "streetAddress": "Maakri 30", "postCode": "12345" }

Sample API call

To create a new main card application for a physical debit card, use the following endpoint:

https://card-api.sandbox.tuumplatform.com/api/v3/applications/create

Learn more about the create card application endpoint in the Tuum developer portal.

Sample request

The sample request body is as follows:

JSON

{
	"applicationTypeCode": "NEW_CARD",
	"productCode": "INTERNAL_ACCOUNT_M",
	"accountOwner": {
		"personId": "ID-30496",
		"accountOwnerTypeCode": "PRIVATE"
	},
	"cardholder": {
		"personId": "ID-30496",
		"firstName": "Isabel",
		"lastName": "Lacoste"
	},
	"shippingAddress": {
		"countryCode": "EE",
		"city": "Tallinn",
		"streetAddress": "Maakri 30",
		"postCode": "12345"
	}
}

cURL

curl -L 'https://card-api.sandbox.tuumplatform.com/api/v3/applications/create' \
-H 'accept: */*' \
-H 'x-tenant-code: MB' \
-H 'Accept-Language: en' \
-H 'x-auth-token: eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJuYW1lIjoidGVzdCBrYXN1dGFqYSIsImVtcGxveWVlSWQiOiJJRC0xMTAwIiwidGVuYW50Q29kZSI6Ik1CIiwiZXhwaXJ5RFRpbWUiOiIyMDI1LTEwLTE3VDEwOjExOjQxIiwiZXhwIjoxNzYwNjk1OTAxLCJyb2xlcyI6WyJBRE1JTiJdfQ.Ltjc-hykKGnGrt0UBtOkOkcSuzBY29TM2o-9QEau4BI' \
-H 'Content-Type: application/json' \
-d '{
	"applicationTypeCode": "NEW_CARD",
	"productCode": "INTERNAL_ACCOUNT_M",
	"accountOwner": {
		"personId": "ID-30496",
		"accountOwnerTypeCode": "PRIVATE"
	},
	"cardholder": {
		"personId": "ID-30496",
		"firstName": "Isabel",
		"lastName": "Lacoste"
	},
"shippingAddress": {
		"countryCode": "EE",
		"city": "Tallinn",
		"streetAddress": "Maakri 30",
		"postCode": "12345"
	}
}'

Sample response

Below you will find the response to the sample request:

Response

{
    "errors": null,
    "validationErrors": null,
    "data": {
        "applicationId": "C001664282681",
        "applicationTypeCode": "NEW_CARD",
        "statusCode": "WAITING",
        "productCode": "INTERNAL_ACCOUNT_M",
        "cardId": null,
        "mainCardId": null,
        "currencyCode": "EUR",
        "priceListCode": "DEBIT_CARD",
        "issuingCountryCode": "EE",
        "designCode": "11",
        "areLimitsShared": true,
        "applicationDate": "2025-10-16",
        "isExpressCard": false,
        "orderPlastic": true,
        "productScheme": "MASTERCARD",
        "productClass": "DEBIT",
        "pinDeliveryMethod": "DIGIPIN",
        "servicingAccount": null,
        "accountOwner": {
            "personId": "ID-30496",
            "accountOwnerTypeCode": null
        },
        "cardholder": {
            "personId": "ID-30496",
            "firstName": "Isabel",
            "lastName": "Lacoste",
            "companyName": null
        },
        "shippingAddress": {
            "postCode": "12345",
            "countryCode": "EE",
            "city": "Tallinn",
            "county": null,
            "streetAddress": "Maakri 30"
        },
        "shippingPhone": null,
        "creditConditions": null,
        "usageGroupName": "ALL_ALLOWED",
        "limitGroupName": "HIGH_LIMIT_GROUP",
        "mccGroupName": null,
        "xpaysAllowed": null
    }
}

Result

The API call returns the full set of card application data, including parameters automatically generated by the Tuum system, as shown below:

Parameter and value	Explanation
"applicationId": "C001664282681"	A new card application with the ID C001664282681 has been registered in the system.
"statusCode": "WAITING"	The card application is currently in the WAITING status, awaiting approval. Notes: Whether a card application requires an acceptance step is determined by the configuration of the associated card product. If you need to modify any parameters from the default values defined by the card product, use the endpoint: POST /api/v3/applications/{applicationId}/update You can update the card application only while it remains in the WAITING status.