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Programs

A program is a card product definition. It sets the product type and currency for the cards issued under it.
FieldValues
productTypeDEBIT, PREPAID, CREDIT
currencyISO currency code, e.g. USD
statusACTIVE, PAUSED, CLOSED
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.

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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" }'

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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 } }
FieldMeaning
ledgerSettled balance
heldAuthorized but not yet cleared
availableledger − held