Maplerad's Issuing is a powerful modern card issuing infrastructure that empowers innovators to change the world. You can instantly issue virtual cards to a customer in different currencies with pricing built to supercharge businesses of all sizes. You always know what you’ll pay.

Let's create a card

To create a card simply follow these steps:

Step 1 -> Create a customer

Step 2 -> Upgrade Customer (Tier 1)

Finally -> Create a Card

*Use Enroll Customer (Full) to avoid Step 1 and 2

Where can the cards be used?

The Maplerad Virtual USD cards are accepted at all merchant sites where USD cards are accepted, they are mostly US merchants like Meta (Facebook), PayPal, Google, Snap inc, Canva and many more. If you encounter any issues please reach out to us at [email protected].

However, there are several merchant sites where the cards may be rejected. They are denoted using a category code known as MCC - Merchant Category Code

The following MCCs denote merchants where Maplerad Virtual USD cards will be rejected.

Restricted Countries where card cannot be used

Countries: Geographic sanctions have been imposed on

Algeria
Belarus
Burundi
Central African Republic
Comoros
Congo (The Democratic Republic of the)
Congo (The Republic of)
Cuba
Gambia (The)
Iran (Islamic Republic of)
Iraq
Korea (The Democratic People's Republic of, North)
Kyrgyzstan (AKA Kyrgyz Republic)
Lebanon
Liberia
Libya
Maldives
Myanmar
Nicaragua
Russian Federation
Afghanistan
Serbia
Somalia
South Sudan
Sudan
Suriname
Svalbard and Jan Mayen
Syrian Arab Republic
Tajikistan
Togo
Tokelau
Turkmenistan
Ukraine
Uzbekistan
Venezuela (Bolivarian Republic of)
Wallis and Futuna
Yemen (Republic of)
Zimbabwe
Palestine

Webhook

These are example webhook responses for the issuing product

{
  "event": "issuing.transaction",
  "amount": 80,
  "approval_code": null,
  "authorization_amount": 76000,
  "authorization_currency": "NGN",
  "card_acceptor_mcc": "5818",
  "card_acceptor_mid": "3057DL020000002",
  "card_acceptor_state": "",
  "card_id": "7b231d95-9006-4e53-a08c-dbe3b4d3ab4d",
  "created_at": "2023-12-11 21:22:32.312347102 +0000 UTC m=+1129.482495385",
  "currency": "USD",
  "description": "Approved or completed successfully",
  "fee": 0,
  "merchant": {
    "city": "Lagos ",
    "country": "NG",
    "name": "DLO*GOOGLE TikTok Liv"
  },
  "is_termination": false,
  "mode": "DEBIT",
  "reference": "dd7412f3-aa14-4a77-94b5-a26f3cfb-56c",
  "settled": false,
  "status": "SUCCESS",
  "type": "AUTHORIZATION",
  "updated_at": "2023-12-11 21:22:32.312350944 +0000 UTC m=+1129.482499306"
}

{
  "event": "issuing.created.successful",
  "reference": "xxxx", // tracking reference we returned on create endpoint
  "card": {
    "id": "fe796aef-5dca-47d5-a542-16d403b464d1",
    "name": "JOHN DOE",
    "masked_pan": "536898******1914",
    "type": "VIRTUAL",
    "issuer": "VISA",
    "currency": "USD",
    "status": "ACTIVE", // ACTIVE || DISABLED. Active by default
    "balance": 0,
    "auto_approve": true
  }
}

{
  "eventId": "73d842a0-0fc5-4200-a122-08018f131d1f",
  "eventType": "issuing.created.failed",
  "payload": {
    "event": "issuing.created.failed",
    "reference": "card_req_sim_1791964393184440000",
    "status": "Rejected",
    "reason": "Facial verification mismatch: Selfie does not match passport photo",
    "verification_link": "https://maplerad.com/flow/retry/kyc_retry_sim_1791964393184440000",
    "link_expire_at": "2026-10-15T18:00:00Z"
  }
}

{
  "event": "issuing.terminated",
  "amount": 120, // $1.20
  "card_id": "700865ae-af75-4b6b-b09d-1ecb16753dee",
  "reason": "Insufficient Funds",
  "reference": "61a85f53-6e67-434d-9b6d-fa1d4c7c2f68"
}

{
  "amount": 30,
  "card_id": "32244f-3ac0-431d-9fb0-43f72505",
  "event": "issuing.charge",
  "transaction_date": "2024-12-17 09:26:42.243416144 +0000 UTC"
}

{
  "activation_code": "866026",
  "card_id": "fb2f92a8-cac2-4bae-91ee-f0e7c91c409c",
  "event": "issuing.activation"
}

These are the possible transaction types:

• AUTHORIZATION: This is when a card is successfully used at a merchant site.
• SETTLEMENT: This is when a card is successfully used and settlement is completed at a merchant site.
• FUNDING: This is when a customer funds the card via the /funding endpoint.
• WITHDRAWAL: This is when a customer withdraws from the card via the /withdrawal endpoint.
• TERMINATION: This is when a card is terminated (available on the dashboard).
• DECLINE: When an attempt to use the card at a merchant site is rejected for any reason e.g Insufficient balance.
• REVERSAL: When a merchant charges a card but immediately returns said sum to the card.
• REFUND: This is common when a reversal fails to deliver as expected and a request to get back the funds erroneously debited is made and processed.
• CROSS-BORDER: This transaction is used to identify card cross-border charges. When a card is used on a merchant site that is not based in the US or the authorization currency is not USD.

Mode can only be CREDIT or DEBIT

User Verification Guide

KYC Verification Rejection Reasons and Their Meanings

When you submit a document for identity verification, it is reviewed to ensure that it is authentic, valid, readable, and consistent with the information you provided.

If your document cannot be verified, the verification process may return a rejection reason. Each rejection reason includes a code to help you identify the issue and take the necessary steps to resolve it.

Below is a guide to common KYC verification rejection reasons and what they mean.

1. Document Issues

These rejection reasons indicate that the uploaded document may be invalid, unclear, incomplete, damaged, or unsuitable for verification.

2. Information Mismatch

These rejection reasons indicate that the information submitted during verification does not match the information on the uploaded document.

3. Other Verification Issues

These rejection reasons indicate that the document or information provided does not meet additional verification requirements.

How to Avoid Document Rejection

To improve your chances of successful verification, follow these guidelines when submitting your documents:

• Upload an original, valid document. Ensure that the document is genuine, has not expired, and meets the applicable verification requirements.
• Ensure the image is clear. Use a high-quality image with sufficient lighting so that all text and identifying details are readable.
• Upload all required pages and sides. Include the front and back of your identity document, as well as any additional pages requested.
• Avoid poor-quality images. Do not submit blurry, dark, cropped, or damaged images.
• Verify that your information matches. Ensure that your name, date of birth, and other required details match the information on your document.
• Submit the correct document type. Upload a document that matches the type requested during verification.
• Do not upload edited documents or templates. Submit an original document rather than an image that has been altered or downloaded as a template.

What to Do If Your Verification Is Rejected

If your verification fails, review the rejection reason returned by the verification process and follow the recommended corrective action.

1. Identify the rejection code and read its corresponding explanation.
2. Check your uploaded document for the issue described.
3. Correct the issue by providing a clearer image, uploading missing pages, correcting mismatched information, or submitting an acceptable document, as applicable.
4. Submit the corrected information or document for verification again, following the available verification process.

Important: A rejection reason identifies an issue that prevented verification. Correcting the issue does not guarantee approval, as all submissions remain subject to the applicable verification requirements.