Apto Payments Card Issuance API

Name: Apto Payments Card Issuance API
Brand: Apto Payments Card Issuance API
Availability: InStock

★ Only Publicly Available OpenAPI DocumentPaymentsPayment Processingbearer7 EndpointsREST

For Agents

Create cardholders, issue cards, activate them, and read transaction history for an Apto Payments programme.

Install Jentic One Beta

Connect the Apto Payments Card Issuance API to your agent

Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the Apto Payments Card Issuance API, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.

Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.

Step 1: Jentic One Host machine

# On the machine that will host your Jentic One instance:
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh

Step 2: Agent machine

# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh
jentic register       # connects your agent to your Jentic One instance

Jentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.

Capabilities

What an agent can do with Apto Payments Card Issuance API.

Issue a debit or prepaid card linked to an existing cardholder

Activate a freshly issued card so it can be used for transactions

GET STARTED

Start building with Apto Payments Card Issuance API

Explore with Jentic

View OpenAPI Document

Use Cases

Patterns agents use Apto Payments Card Issuance API for, with concrete tasks.

★ Issue Cards to New Cardholders

Onboard a new user, create their cardholder record, then issue a card linked to that record so they can start spending. Embedded-finance products use this to bundle a payment card into a broader product experience without becoming a card issuer themselves. Apto handles the network, BIN sponsor, and compliance plumbing in the background.

Create a cardholder via POST /cardholders with the user's KYC fields, then call POST /cards with that cardholder_id to issue a card and return the card_id.

Activate Cards Post-Delivery

When a physical card arrives at the cardholder's address, mark it active so the card network will authorise transactions. Issuance products use this as the trigger for activation flows in a mobile app or IVR. Apto's POST /cards/{card_id}/activate endpoint is the single call that flips the card from issued to live.

Call POST /cards/{card_id}/activate for the card the user has confirmed they received, then verify the activation succeeded.

Transaction History for Customer Support

When a cardholder calls support about a charge, look up the transactions on their card to confirm what posted, when, and from which merchant. Support agents and chatbots use this to triage disputes and refunds before escalating. The list-transactions endpoint returns the transaction stream for a specific card.

Call GET /cards/{card_id}/transactions to retrieve the transaction list for the card and return the most recent 10 entries.

AI Agent Card Issuance via Jentic

An onboarding agent that creates a fintech account end-to-end can call Apto through Jentic to issue and activate a card without the developer wiring up the bearer-token flow. The agent searches for the issuance operation, loads the schema, and executes the create-cardholder and create-card calls in sequence. Jentic resolves the bearer token from its credential vault.

Use Jentic search 'issue a debit card to a new cardholder', load the schemas for POST /cardholders and POST /cards, then execute both calls and return the new card_id.

Key Endpoints

7 endpoints — jentic publishes the only available openapi specification for apto payments card issuance api, keeping it validated and agent-ready.

METHOD

PATH

DESCRIPTION

POST

/cardholders

Create a new cardholder

GET

/cardholders

List cardholders

GET

/cardholders/{cardholder_id}

Get a cardholder by ID

POST

/cards

Issue a card

GET

/cards/{card_id}

Get card details

POST

/cards/{card_id}/activate

Activate a card

GET

/cards/{card_id}/transactions

List transactions for a card

POST

/cardholders

Create a new cardholder

GET

/cardholders

List cardholders

GET

/cardholders/{cardholder_id}

Get a cardholder by ID

POST

/cards

Issue a card

GET

/cards/{card_id}

Get card details

POST

/cards/{card_id}/activate

Why Jentic?

Three things that make agents converge on Jentic-routed access.

Credential isolation

Apto Payments bearer tokens are stored encrypted in the Jentic vault. Agents receive scoped access tokens — the raw bearer token never enters the agent's context.

Intent-based discovery

Agents search by intent (e.g. 'issue a debit card to a new cardholder') and Jentic returns matching Apto operations with their input schemas, so the agent can call the right endpoint without browsing docs.

Time to first call

Direct Apto integration: 3-5 days for auth, cardholder KYC mapping, and transaction reconciliation. Through Jentic: under 1 hour — search, load schema, execute.

Related APIs

Alternatives and complements available in the Jentic catalogue.

Alternative

Stripe API

Stripe Issuing offers card issuance alongside payments, accounts, and treasury — broader scope than Apto's specialist focus.

Choose Stripe Issuing when the product also needs payment acceptance and treasury features in one platform; pick Apto for a programme-manager-led issuing setup.

Complementary

Stripe API

Pair Apto card issuance with Stripe to accept inbound funding payments before loading the issued card.

Use Stripe to accept funding from end users, then call Apto to issue and load the card backed by those funds.

Complementary

Shopify Admin API

When card issuance powers a merchant rewards card, Shopify exposes order and customer data that drives the load amount.

Use Shopify to read order totals or loyalty balances, then call Apto to issue or load a corresponding card.

FAQs

Specific to using Apto Payments Card Issuance API through Jentic.

Why is there no official OpenAPI spec for Apto Payments Card Issuance API?

Apto Payments does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call Apto Payments Card Issuance API via structured tooling. It is validated against the live API and kept up to date. Get started at https://app.jentic.com/sign-up.

What authentication does the Apto Payments Card Issuance API use?

Apto Payments uses HTTP bearer authentication. The bearer token is sent in the Authorization header on every request. Through Jentic, the bearer token is stored encrypted in the vault and never enters the agent's context.

Can I issue a physical debit card with this API?

Yes. Call POST /cards with a valid cardholder_id and card configuration; Apto handles the BIN sponsor and network-side issuance. After delivery, call POST /cards/{card_id}/activate to make the card live.

How do I list transactions for a specific card?

Call GET /cards/{card_id}/transactions with the card identifier returned by the issuance step. The endpoint returns the transaction stream that has posted against that card.

What are the rate limits for the Apto Payments API?

The OpenAPI spec does not define explicit rate limits. Apto Payments enforces programme-level limits negotiated as part of your card-issuing agreement; check your Apto contract or programme manager for the exact thresholds.

How do I issue a card through Jentic?

Install Jentic with pip install jentic, search for 'issue a debit card to a new cardholder', load the schemas for POST /cardholders and POST /cards, then execute both calls in sequence. Jentic resolves the bearer token automatically.