Create card account transaction

In this example, we will review how to add card transactions to a card account.

If you are working with Tuum setup where card-related accounts are located within Tuum core, you should use the appropriate Account API endpoints instead.

Use case

This step follows the card account reservations process, as it uses the unique reservationId obtained from the card account reservation's API call to match the transaction and the corresponding reservation.

Use case data	API parameters with values
The card account ID to which the transaction is added.	...accounts/C001664282649/transactions
Transaction type code	"transactionTypeCode": "CARD_PUR"
Transaction amount	"money": { "amount": 55, "currencyCode": "EUR" }
The date on which the transaction is considered effective.	"valueDate": "2025-11-02"
The exact date and time when the transaction was originally created, including time zone.	"originalDTime": "2025-11-02T14:11:16+01:00"
Reservation details	"details": "123 Main Street, Bratislava, SVK",
Merchant information	"merchantInfo":"Kaufland Bratislava, SVK",
Additional information related to the transaction.	"additionalInfo": "Additional info"
The account reservation C001664282455 was made to reserve funds for this transaction and should now be released.	"reservationId": "C001664282461"
The card with ID C001664282657 was used for the transaction. Note: It is recommended to always provide the card ID. This is necessary to identify the correct card-level price list in cases where multiple cards are associated with the same account.	"cardId": "C001664282657"
Account balance must be checked before making the reservation.	"checkBalance": true
The account transaction was created by transaction R0000150 in the external system named ONLINE.	"source": { "sourceName": "ONLINE", "sourceRef": "RES_2" }

Fee calculation is initiated when the account transaction data does not include the fees element.

Sample API call

To create a new card account transaction, use the following endpoint:

https://card-api.sandbox.tuumplatform.com/api/v1/accounts/{accountId}/transactions

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

Sample request

The sample request body is as follows:

JSON

{
  "transactionTypeCode": "CARD_PUR",
  "money": {
    "amount": 55,
    "currencyCode": "EUR"
  },
  "valueDate": "2025-11-03",
  "originalDTime": "2025-11-03T14:11:16+01:00",
  "details": "123 Main Street, Bratislava, SVK",
  "merchantInfo": "Kaufland Bratislava, SVK",
  "reservationId": "C001664282461",
  "cardId": "C001664282657",
  "checkBalance": true,
  "source": {
    "sourceName": "ONLINE",
    "sourceRef": "RES_2"
  }
}

cURL

Sample response

Below you will find the response to the API request:

Response

{
    "errors": null,
    "validationErrors": null,
    "data": [
        {
            "accountTransactionId": "C001664282492",
            "groupId": "C001664282501",
            "postingDate": "2025-11-03",
            "valueDate": "2025-11-03",
            "originalDTime": "2025-11-03T14:11:16+01:00",
            "accountId": "C001664282649",
            "transactionTypeCode": "CARD_PUR",
            "directionCode": "OUT",
            "currencyCode": "EUR",
            "amount": 55.00,
            "initialBalanceAmount": 49784.04,
            "counterpartyName": null,
            "counterpartyIban": null,
            "counterpartyBic": null,
            "details": "123 Main Street, Bratislava, SVK",
            "source": {
                "sourceName": "ONLINE",
                "sourceRef": "RES_2"
            },
            "merchantInfo": "Kaufland Bratislava, SVK",
            "additionalInfo": null,
            "instalmentPlanId": null,
            "createdDTime": "2025-11-04T13:15:17.986075464Z",
            "reversed": false
        },
        {
            "accountTransactionId": "C001664282493",
            "groupId": "C001664282501",
            "postingDate": "2025-11-03",
            "valueDate": "2025-11-03",
            "originalDTime": "2025-11-03T14:11:16+01:00",
            "accountId": "C001664282649",
            "transactionTypeCode": "CARD_PUR_FEE",
            "directionCode": "OUT",
            "currencyCode": "EUR",
            "amount": 0.28,
            "initialBalanceAmount": 49729.04,
            "counterpartyName": null,
            "counterpartyIban": null,
            "counterpartyBic": null,
            "details": "Card purchase fee",
            "source": {
                "sourceName": "ONLINE",
                "sourceRef": "RES_2"
            },
            "merchantInfo": null,
            "additionalInfo": null,
            "instalmentPlanId": null,
            "createdDTime": "2025-11-04T13:15:18.094187159Z",
            "reversed": false
        }
    ]
}

Result

The outcome of the API call is the creation of two account transactions. The reservation is released, and two account transactions are created: a main account transaction for the purchase amount of 55.00 EUR and another account transaction for the charged fee of 0.28 EUR.