Cards

A card belongs to an external account and is used to push funds to a cardholder via push-to-card payments.

🚧
Send cardholder data only to vault.moderntreasury.com
Card endpoints are not exposed on app.moderntreasury.com. All requests that carry cardholder data must be sent to vault.moderntreasury.com, which uses the same authentication, idempotency, and JSON conventions as the rest of the API.

Attribute	Description
id string	Unique identifier for the card.
pan string	The card number (PAN). Write-only — not returned in API responses.
cvv string	The card verification value. Write-only — not returned in API responses.
external_account_id string	The ID of the External Account this card belongs to.
expiration_month string	Two-digit expiration month of the card (e.g. `"01"` through `"12"`).
expiration_year string	Four-digit expiration year of the card (e.g. `"2027"`).
first_name string	The cardholder's first name.
last_name string	The cardholder's last name.
billing_address object	The cardholder's billing address. Contains `line1`, `line2`, `city`, `state`, `postal_code`, and `country`.
live_mode boolean	This field will be `true` if this object was created with a production API key or `false` if created with a test API key.
created_at string	An ISO 8601 timestamp indicating when the card was created.
updated_at string	An ISO 8601 timestamp indicating when the card was last updated.

A card can be created standalone via Create Card, or alongside an external account via Create External Account with Cardholder Data.

{
  "id": "85e8e06b-954b-42eb-8a25-ac409eef80ac",
  "object": "card",
  "external_account_id": "22c19f2f-14cf-4a17-b5d0-c6838e3eaeb3",
  "expiration_month": "12",
  "expiration_year": "2027",
  "first_name": "Jane",
  "last_name": "Smith",
  "billing_address": {
    "line1": "101 Main St",
    "line2": null,
    "city": "New York",
    "state": "NY",
    "postal_code": "07666",
    "country": "US"
  },
  "live_mode": true,
  "created_at": "2026-05-18T21:00:00.000Z",
  "updated_at": "2026-05-18T21:00:00.000Z"
}

Testing cards in the sandbox

In test mode, the outcome of a push-to-card payment is controlled by the cardholder's last_name, not by the card number. Use any valid-format PAN (for example, 4111111111111111) together with one of the last names below to simulate a specific result. Any last name not listed here results in a completed payment.

Cardholder `last_name`	Payment outcome	`failure_reason`
`INVALID_CVV`	Fails	The CVV provided is invalid.
`INVALID_PAN`	Fails	The card number provided is invalid.
`INSUFFICIENT_FUNDS`	Fails	The card has insufficient funds.
Any other value	Completes	—

Send cardholder data only to vault.moderntreasury.com

Testing cards in the sandbox

Send cardholder data only to `vault.moderntreasury.com`