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Step 1: Submit a card application

Before issuing cards, a customer must complete a card application:
curl -X POST https://api.ledger.so/v1/customers/cus_.../rain-application \
  -H "Authorization: Bearer $LEDGER_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: rain-app-1" \
  -d '{
    "birthDate": "1990-01-01",
    "nationalId": "...",
    "countryOfIssue": "US",
    "address": {
      "line1": "123 Main St",
      "city": "San Francisco",
      "region": "CA",
      "postalCode": "94105",
      "countryCode": "US"
    },
    "ipAddress": "203.0.113.10",
    "occupation": "...",
    "annualSalary": "...",
    "accountPurpose": "...",
    "expectedMonthlyVolume": "...",
    "phoneCountryCode": "+1",
    "phoneNumber": "4155550101"
  }'

Step 2: Issue a card

Once approved, issue a virtual or physical card:
curl -X POST https://api.ledger.so/v1/customers/cus_.../cards \
  -H "Authorization: Bearer $LEDGER_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: issue-card-1" \
  -d '{
    "type": "virtual",
    "limitAmount": 5000,
    "limitFrequency": "per24HourPeriod"
  }'
Virtual cards are immediately usable. Physical cards are mailed to the customer’s address.

Spending limits

Cards support configurable spending limits:
FrequencyDescription
per24HourPeriodRolling 24-hour window
per7DayPeriodRolling 7-day window
per30DayPeriodRolling 30-day window
allTimeLifetime limit