Cards

A charge card is a unique 16-digit card number that is generated and linked to your Spend & Expense account. Cards can be physical or virtual.

You can create member cards and set limits based on different needs, such as budgets, users, and expiration date. In addition, you can create vendor cards and associate these cards with specific vendors.

Use POST /v3/spend/cards to create a card. You can then use GET /v3/spend/cards/{cardId}/pan-jwt to get a JWT token for the card Primary Account Number (PAN). The JWT token contains all the information required for retrieving details about a card (16-digit PAN, CVV, and expiration date). The JWT token lifespan is 5 minutes.

See the /v3/spend/cards API for more information about the complete list of Spend & Expense card operations.

Create a virtual charge card

In this section, we create a member card and assign it to an existing budget and existing user. See Budgets and Users to learn about creating budgets and users.

In your POST /v3/spend/cards request, set the required fields.

See the /v3/spend/cards API for more information about the other card fields you can set.

Sample request

In this cURL example, a virtual charge card is created with the specified details. The userId and budgetId values are set to assign the card to the budget and user. A spend limit of $10 is assigned to the card.

curl --request POST \
--url 'https://gateway.stage.bill.com/connect/v3/spend/cards' \
--header 'apiToken: {api_token}' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--data '{
  "budgetId": "{budget_id}",
  "limit": "10",
  "name": "Happy Music Supplies card for Clark Spenderson",
  "userId": "{user_id}"
}'

Response

In the response, a BILL-generated card id is available. The currentPeriod object provides information about the current budget assigned to the card.

📘

NOTE

In the sandbox environment, the status for all created cards is FROZEN.

{
    "id": "{card_id}",
    "name": "Happy Music Supplies card for Clark Spenderson",
    "userId": "{user_id}",
    "budgetId": "{budget_id}",
    "lastFour": "4242",
    "validThru": "12/25",
    "status": "FROZEN",
    "type": "VIRTUAL_VENDOR",
    "shareBudgetFunds": false,
    "recurring": false,
    "currentPeriod": {
        "limit": 10.00,
        "spent": 0.00
    },
    "createdTime": "2025-12-16T20:24:35.000+00:00",
    "updatedTime": "2025-12-16T20:24:35.000+00:00"
}

Card management

When you create a card, you can control the use of the card with two endpoints.

Get a PAN token

The JWT token for a card contains all the information required for retrieving details about the card (16-digit PAN, CVV, and expiration date).

In your GET /v3/spend/cards/{cardId}/pan-jwt request, set the required fields.

Sample request

In this cURL example, a JWT token is requested for the specified card id.

curl --request POST \
--url 'https://gateway.stage.bill.com/connect/v3/spend/cards/{card_id}/pan-jwt' \
--header 'apiToken: {api_token}' \
--header 'Accept: application/json'

Response

In the response, a JWT token is available for the specified card.

JWT to PAN

You can use the JWT token from the GET /v3/spend/cards/{cardId}/pan-jwt response to get PAN details about the card.

curl --request POST \
--url 'https://app-dev-sandbox.divvy.co/de/rest/pan' \
--header 'Content-Type: application/json' \
--data-raw '{"token":"{JWT_token}"}'

curl --request POST \
--url 'https://api.divvy.co/de/rest/pan' \
--header 'Content-Type: application/json' \
--data-raw '{"token":"{JWT_token}"}'

See the /v3/spend/cards API for more information about the complete list of Spend & Expense card operations.