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Create physical debit card application with Tuum core account

Here you will learn how to create a new card application for debit card that uses Tuum core account.

Use case

In this example, we will demonstrate how to create a new card application for debit card that uses Tuum core account.

Use case data
API parameters with values

Card application type

"applicationTypeCode": "NEW_CARD"

Card product code

"productCode": "EXTERNAL_ACCOUNT_TUUM_M"

Account owner details

"accountOwner": {
    "personId": "ID-30496",
    "accountOwnerTypeCode": "PRIVATE"
  }

Cardholder details

"cardholder": {
    "personId": "ID-30496",
    "firstName": "Isabel",
    "lastName": "Lacoste"
  }

Servicing account

"servicingAccount": {
      "servicingAccountRef": "ID-4222",
      "servicingAccountSource": "ACCOUNT.ACCOUNT"
    },

Allowed authorisation types

"serviceCodes": [
		"00",
		"0A",
		"0C",
		"0M",
		"01",
		"10",
		"20",
		"21",
		"28",
		"30",
		"39"
	],

Card limits

"limits": [
		{
			"limitCode": "PURCHASE",
			"dailyLimit": {
				"currencyCode": "EUR",
				"amount": 3000
			},
			"monthlyLimit": {
				"currencyCode": "EUR",
				"amount": 7000
			},
			"transactionLimit": {
				"currencyCode": "EUR",
				"amount": 1500
			}
		},
		{
			"limitCode": "CASH",
			"dailyLimit": {
				"currencyCode": "EUR",
				"amount": 1000
			},
			"monthlyLimit": {
				"currencyCode": "EUR",
				"amount": 5000
			},
			"transactionLimit": {
				"currencyCode": "EUR",
				"amount": 500
			}
		},
		{
			"limitCode": "ECOMMERCE",
			"dailyLimit": {
				"currencyCode": "EUR",
				"amount": 3000
			},
			"monthlyLimit": {
				"currencyCode": "EUR",
				"amount": 5000
			},
			"transactionLimit": {
				"currencyCode": "EUR",
				"amount": 1000
			}
		}
	],

Product details

"orderPlastic": false,
"limitGroupName": "HIGH_LIMIT_GROUP",
"usageGroupName": "ALL_ALLOWED",
"designCode": "12",
"priceListCode": "DEBIT_CARD_2",
"isExpressCard": false

Sample API call

To create a new card application for debit card that uses Tuum core account, 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:

{
	"applicationTypeCode": "NEW_CARD",
	"productCode": "EXTERNAL_ACCOUNT_TUUM_M",
	"accountOwner": {
		"personId": "ID-30496",
		"accountOwnerTypeCode": "PRIVATE"
	},
	"cardholder": {
		"personId": "ID-30496",
		"firstName": "Isabel",
		"lastName": "Lacoste"
	},
    "servicingAccount": {
      "servicingAccountRef": "ID-4222",
      "servicingAccountSource": "ACCOUNT.ACCOUNT"
    },
	"serviceCodes": [
		"00",
		"0A",
		"0C",
		"0M",
		"01",
		"10",
		"20",
		"21",
		"28",
		"30",
		"39"
	],
	"limits": [
		{
			"limitCode": "PURCHASE",
			"dailyLimit": {
				"currencyCode": "EUR",
				"amount": 3000
			},
			"monthlyLimit": {
				"currencyCode": "EUR",
				"amount": 7000
			},
			"transactionLimit": {
				"currencyCode": "EUR",
				"amount": 1500
			}
		},
		{
			"limitCode": "CASH",
			"dailyLimit": {
				"currencyCode": "EUR",
				"amount": 1000
			},
			"monthlyLimit": {
				"currencyCode": "EUR",
				"amount": 5000
			},
			"transactionLimit": {
				"currencyCode": "EUR",
				"amount": 500
			}
		},
		{
			"limitCode": "ECOMMERCE",
			"dailyLimit": {
				"currencyCode": "EUR",
				"amount": 3000
			},
			"monthlyLimit": {
				"currencyCode": "EUR",
				"amount": 5000
			},
			"transactionLimit": {
				"currencyCode": "EUR",
				"amount": 1000
			}
		}
	],
	"orderPlastic": false,
	"limitGroupName": "HIGH_LIMIT_GROUP",
	"usageGroupName": "ALL_ALLOWED",
	"designCode": "12",
	"priceListCode": "DEBIT_CARD_2",
	"isExpressCard": false
}

Sample response

Below you will find the response to the sample request:

Response
{
  "errors": null,
  "validationErrors": null,
  "data": {
    "applicationId": "C001664282668",
    "applicationTypeCode": "NEW_CARD",
    "statusCode": "WAITING",
    "productCode": "EXTERNAL_ACCOUNT_TUUM_M",
    "cardId": null,
    "mainCardId": null,
    "currencyCode": "EUR",
    "priceListCode": "DEBIT_CARD_2",
    "issuingCountryCode": "EE",
    "designCode": "12",
    "areLimitsShared": true,
    "applicationDate": "2025-06-10",
    "isExpressCard": false,
    "orderPlastic": false,
    "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": null,
    "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": "C001664282668"

A new card application with the ID C001664282668 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.

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