Create card
curl --request POST \
--url https://api.sendpadi.com/api/v1/merchant/virtual-cards \
--header 'Content-Type: application/json' \
--header 'Idempotency-Key: <idempotency-key>' \
--header 'X-Api-Key: <api-key>' \
--header 'X-Signature: <x-signature>' \
--header 'X-Timestamp: <x-timestamp>' \
--data '
{
"cardType": "dollar",
"cardholder": {
"firstName": "Ada",
"lastName": "Lovelace",
"email": "ada@example.com",
"phone": "+2348012345678",
"bvn": "22222222222",
"address": {
"houseNo": "12",
"street": "Broad Street",
"city": "Lagos",
"state": "LA",
"country": "NG",
"postalCode": "100001"
},
"identity": {
"idType": "NIN",
"idNo": "12345678901",
"idUrl": "https://example.com/id.jpg",
"issuanceCountry": "NG"
}
}
}
'const options = {
method: 'POST',
headers: {
'X-Timestamp': '<x-timestamp>',
'X-Signature': '<x-signature>',
'Idempotency-Key': '<idempotency-key>',
'X-Api-Key': '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
cardType: 'dollar',
cardholder: {
firstName: 'Ada',
lastName: 'Lovelace',
email: 'ada@example.com',
phone: '+2348012345678',
bvn: '22222222222',
address: {
houseNo: '12',
street: 'Broad Street',
city: 'Lagos',
state: 'LA',
country: 'NG',
postalCode: '100001'
},
identity: {
idType: 'NIN',
idNo: '12345678901',
idUrl: 'https://example.com/id.jpg',
issuanceCountry: 'NG'
}
}
})
};
fetch('https://api.sendpadi.com/api/v1/merchant/virtual-cards', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));import requests
url = "https://api.sendpadi.com/api/v1/merchant/virtual-cards"
payload = {
"cardType": "dollar",
"cardholder": {
"firstName": "Ada",
"lastName": "Lovelace",
"email": "ada@example.com",
"phone": "+2348012345678",
"bvn": "22222222222",
"address": {
"houseNo": "12",
"street": "Broad Street",
"city": "Lagos",
"state": "LA",
"country": "NG",
"postalCode": "100001"
},
"identity": {
"idType": "NIN",
"idNo": "12345678901",
"idUrl": "https://example.com/id.jpg",
"issuanceCountry": "NG"
}
}
}
headers = {
"X-Timestamp": "<x-timestamp>",
"X-Signature": "<x-signature>",
"Idempotency-Key": "<idempotency-key>",
"X-Api-Key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text){
"success": true,
"data": {
"card": {
"id": "mock-bitnob-1789820551052",
"userId": "dcce795d-ff25-46c1-b318-04e6af27dcd1",
"cardType": "dollar",
"currency": "USD",
"status": "pending",
"createdAt": "2026-09-19T12:22:31.052Z",
"updatedAt": "2026-09-19T12:22:31.052Z"
}
},
"message": "Virtual card created"
}Virtual cards
Create card
Issue a virtual card for a cardholder. Scope: virtual-cards:write. Requires Idempotency-Key.
POST
/
api
/
v1
/
merchant
/
virtual-cards
Create card
curl --request POST \
--url https://api.sendpadi.com/api/v1/merchant/virtual-cards \
--header 'Content-Type: application/json' \
--header 'Idempotency-Key: <idempotency-key>' \
--header 'X-Api-Key: <api-key>' \
--header 'X-Signature: <x-signature>' \
--header 'X-Timestamp: <x-timestamp>' \
--data '
{
"cardType": "dollar",
"cardholder": {
"firstName": "Ada",
"lastName": "Lovelace",
"email": "ada@example.com",
"phone": "+2348012345678",
"bvn": "22222222222",
"address": {
"houseNo": "12",
"street": "Broad Street",
"city": "Lagos",
"state": "LA",
"country": "NG",
"postalCode": "100001"
},
"identity": {
"idType": "NIN",
"idNo": "12345678901",
"idUrl": "https://example.com/id.jpg",
"issuanceCountry": "NG"
}
}
}
'const options = {
method: 'POST',
headers: {
'X-Timestamp': '<x-timestamp>',
'X-Signature': '<x-signature>',
'Idempotency-Key': '<idempotency-key>',
'X-Api-Key': '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
cardType: 'dollar',
cardholder: {
firstName: 'Ada',
lastName: 'Lovelace',
email: 'ada@example.com',
phone: '+2348012345678',
bvn: '22222222222',
address: {
houseNo: '12',
street: 'Broad Street',
city: 'Lagos',
state: 'LA',
country: 'NG',
postalCode: '100001'
},
identity: {
idType: 'NIN',
idNo: '12345678901',
idUrl: 'https://example.com/id.jpg',
issuanceCountry: 'NG'
}
}
})
};
fetch('https://api.sendpadi.com/api/v1/merchant/virtual-cards', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));import requests
url = "https://api.sendpadi.com/api/v1/merchant/virtual-cards"
payload = {
"cardType": "dollar",
"cardholder": {
"firstName": "Ada",
"lastName": "Lovelace",
"email": "ada@example.com",
"phone": "+2348012345678",
"bvn": "22222222222",
"address": {
"houseNo": "12",
"street": "Broad Street",
"city": "Lagos",
"state": "LA",
"country": "NG",
"postalCode": "100001"
},
"identity": {
"idType": "NIN",
"idNo": "12345678901",
"idUrl": "https://example.com/id.jpg",
"issuanceCountry": "NG"
}
}
}
headers = {
"X-Timestamp": "<x-timestamp>",
"X-Signature": "<x-signature>",
"Idempotency-Key": "<idempotency-key>",
"X-Api-Key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text){
"success": true,
"data": {
"card": {
"id": "mock-bitnob-1789820551052",
"userId": "dcce795d-ff25-46c1-b318-04e6af27dcd1",
"cardType": "dollar",
"currency": "USD",
"status": "pending",
"createdAt": "2026-09-19T12:22:31.052Z",
"updatedAt": "2026-09-19T12:22:31.052Z"
}
},
"message": "Virtual card created"
}Authorizations
API key id (sp_test_… / sp_live_…)
Headers
Unix time in seconds
HMAC-SHA256 signature
UUID. Required on money-moving writes.
Body
application/json
Card product type
Available options:
dollar, multi-currency Hide child attributes
Hide child attributes
Response
OK
The response is of type object.

