Programs & Accounts

Programs

A program is a card product definition. It sets the product type and currency for the cards issued under it.

Field	Values
`productType`	`DEBIT`, `PREPAID`, `CREDIT`
`currency`	ISO currency code, e.g. `USD`
`status`	`ACTIVE`, `PAUSED`, `CLOSED`

List programs (the id on each row is program_id everywhere else):

cURL

curl -s 'https://sandbox.apocor.ai/v1/programs' \
  -H 'Authorization: Bearer YOUR_TOKEN'

TEST keys only return TEST programs; LIVE keys only LIVE. Fetch one with GET /v1/programs/{id}.

cURL

curl -s -X POST 'https://sandbox.apocor.ai/v1/programs' \
  -H 'Authorization: Bearer YOUR_TOKEN' -H 'Content-Type: application/json' \
  -d '{ "name": "USD Virtual Debit", "product_type": "DEBIT", "currency": "USD" }'

The underlying issuing rail is chosen and managed by Apocor. It is an implementation detail and never appears in your API responses.

Card funding mode

Each program can use wallet service (Apocor deposit address) or bring-your-own wallet (byo_wallet). Configure with PUT /v1/programs/{id}/funding-config. Full walkthrough: Card funding (wallet & BYO).

Accounts

An account holds funds and backs the cards issued under a program. Create an account before issuing cards — card issuance references account_id and provisions issuer-side funding on first use.

cURL

curl -s -X POST 'https://sandbox.apocor.ai/v1/accounts' \
  -H 'Authorization: Bearer YOUR_TOKEN' -H 'Content-Type: application/json' \
  -d '{ "program_id": "prog_abc123", "currency": "USD", "name": "Freelancer USD drawer" }'

name is an optional display label to tell accounts apart (useful once a program has more than one). Rename later with PATCH /v1/accounts/{id} — send { "name": null } to clear it.

Balances

Balances are reported in minor units (cents). available is what’s spendable after holds.

cURL

curl -s 'https://sandbox.apocor.ai/v1/accounts/acct_abc123/balance' \
  -H 'Authorization: Bearer YOUR_TOKEN'

{ "data": { "available": 48000, "ledger": 50000, "held": 2000 } }

Field	Meaning
`ledger`	Settled balance
`held`	Authorized but not yet cleared
`available`	`ledger − held`

Get started

Core concepts

Webhooks & events

Reference

Programs

Card funding mode

Accounts

Balances

​Programs

​Card funding mode

​Accounts

​Balances

Programs

Card funding mode

Accounts

Balances