> ## Documentation Index > Fetch the complete documentation index at: https://docs.payvessel.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a Card > Virtual card API: create a USD Visa or Mastercard virtual card for a customer with KYC and optional prefund (asynchronous). This resource allows you to create a card for a customer. This operation is asynchronous, meaning we notify you via a webhook event on the final status. ## OpenAPI ````yaml api-reference/openapi.json POST /pms/api/external/request/virtual-cards/ openapi: 3.1.0 info: title: PayVessel API description: >- PayVessel API for accepting payments, sending money, verifying identities, and managing wallets version: 1.0.0 servers: - url: https://api.payvessel.com - url: https://sandbox.payvessel.com security: - {} paths: /pms/api/external/request/virtual-cards/: post: tags: - Issuing summary: Create a Card description: >- Create a USD virtual card for a customer with full KYC and initial prefund. This operation is asynchronous: the response returns a card in PENDING status, and PayVessel notifies you via a webhook when the card reaches its final status (for example ACTIVE). You may also poll Get a Card until activation completes. operationId: externalVirtualCardsCreate parameters: - name: api-key in: header description: Your Payvessel public API key required: true schema: type: string - name: api-secret in: header description: Your Payvessel secret required: true schema: type: string - name: Content-Type in: header description: Request content type required: true schema: type: string enum: - application/json example: application/json requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateCustomerVirtualCardRequest' examples: fullKyc: summary: Full customer KYC value: first_name: Jane last_name: Doe email: jane.doe@example.com phone: '08031234567' bvn: '22345678901' nin: '12345678901' dob: '1990-05-15' image: data:image/jpeg;base64,YOUR_BASE64_IDENTITY_IMAGE state: Lagos lga: Ikeja street: 12 Admiralty Way, Lekki Phase 1 postal_code: '101233' brand: VISA currency: USD prefund_amount: '10.00' card_name: Jane Doe responses: '201': description: Virtual card creation started content: application/json: schema: $ref: '#/components/schemas/VirtualCardResponse' examples: pending: summary: Card creation started value: status: true message: Virtual card creation started data: id: 7f219a25-d968-4894-9a8b-ba83fa0bf6ec status: PENDING masked_pan: '' balance: '10.00' currency: USD brand: VISA '401': description: Unauthorized request content: application/json: schema: $ref: '#/components/schemas/Error' examples: unauthorized: summary: Invalid credentials value: error: 401 message: Unauthorized. Please check your API key. '403': description: Forbidden request content: application/json: schema: $ref: '#/components/schemas/Error' '404': description: Resource not found content: application/json: schema: $ref: '#/components/schemas/Error' '500': description: Internal server error content: application/json: schema: $ref: '#/components/schemas/Error' components: schemas: CreateCustomerVirtualCardRequest: type: object required: - brand - currency properties: first_name: type: string description: Customer first name last_name: type: string description: Customer last name email: type: string format: email description: Email address phone: type: string description: Nigerian phone number bvn: type: string description: 11-digit Bank Verification Number nin: type: string description: 11-digit National Identification Number dob: type: string format: date description: Date of birth (YYYY-MM-DD) image: type: string description: Base64-encoded identity document image state: type: string description: State of residence lga: type: string description: Local government area street: type: string description: Street address postal_code: type: string description: Postal code brand: type: string enum: - VISA - MASTERCARD description: Card network currency: type: string enum: - USD description: Must be USD for customer cards prefund_amount: type: string description: Optional initial card balance in USD (minimum 3.00 when provided) example: '10.00' card_name: type: string description: Optional label on card (max 255 characters) VirtualCardResponse: type: object required: - status - message - data properties: status: type: boolean description: Indicates whether the request succeeded message: type: string description: Human-readable result message example: Virtual card creation started data: $ref: '#/components/schemas/IssuedCard' description: Issued card details Error: required: - error - message type: object properties: error: type: integer format: int32 message: type: string IssuedCard: type: object properties: id: type: string format: uuid description: PayVessel card ID business_id: type: string format: uuid description: Owning business kind: type: string description: customer card customer_id: type: string format: uuid description: Linked customer ID customer_name: type: string description: Customer display name card_name: type: string description: Name on card masked_pan: type: string description: Masked PAN (empty while PENDING) status: type: string enum: - PENDING - ACTIVE - FROZEN - TERMINATED - FAILED description: Card lifecycle status currency: type: string description: USD brand: type: string description: VISA or MASTERCARD balance: type: string description: Issuer-synced balance in USD expiry: type: string description: Card expiry (MM/YY) card_number: type: string description: Full PAN (GET card only, when ACTIVE/FROZEN) cvv: type: string description: CVV (GET card only, when ACTIVE/FROZEN) created_datetime: type: string format: date-time updated_datetime: type: string format: date-time ````