Cardholder

Overview

A cardholder is a legal individual or business entity authorized to hold and use a payment card. Cardholder records are essential for identity verification, regulatory compliance (e.g., KYC, AML), and secure transaction processing within Newline’s financial infrastructure.

This section defines the required fields and data specifications for cardholder records. Each cardholder is uniquely identified and linked to an account and, if applicable, a business. These records support lifecycle management, risk assessment, and compliance tracking.

Cardholder data includes:

  • Unique identifiers for the cardholder, account, and associated business
  • Personal identification and government-issued ID details
  • Tax ID, date of birth, and residency status
  • Cardholder role and account status information
  • Full name and contact details, including address, phone, and email

These fields ensure that each cardholder is properly identified, verified, and managed throughout their relationship with the platform, supporting secure and compliant card issuance and usage.

Cardholder Fields


Field NameRequiredDescriptionCharacter LengthExample
cardholder_idYA unique identifier for the cardholder.35CUST123456
business_idYA unique identifier for the business associated with the cardholder20BUS789012
bin_numberNThe first 8 digits from the most recent card number. BIN Number can be either 6 or 8 characters. 887651234
cardholder_first_id typeY OR NCodes used to identify CARDHOLDER identification value.

If the cardholder is an authorized user then we required the name, as well as one of the following DOB, Address or SSN fields.

Accepted Values:
SSN - Social Security Number (Required for US Citizens)
DRIVERSLICENSENO - Driver's License Number
MATRICULACONSNO - Matricula Consular Number
PASSPORT - Passport
VISA -
ALIENREG - Alien registration Identification or Green Card.
STATEID - State ID Card.
GOVERNMENTID - Government Identification.
OTHERID - Other Identification.
USTAXID - US Tax Identification.
16SSN
cardholder_first_id_ numberY OR NID Number associated with the Cardholder ID Type.40123-45-6789
cardholder_first_id issue_dateNDate when the identification was issued.Date(YYYYMMDD)20200101
cardholder_first_id expiration_dateNDate when the identification expires.Date(YYYYMMDD)20300101
cardholder_second_id_ typeNCodes used to identify CARDHOLDER identification value.
2nd id type cannot be the same as the 1st id type.

Accepted Values:
DRIVERSLICENSENO - Driver's License Number
MATRICULACONSNO - Matricula Consular Number
PASSPORT - Passport
VISA -
ALIENREG - Alien registration Identification or Green Card.
STATEID - State ID Card.
GOVERNMENTID - Government Identification.
OTHERID - Other Identification.
USTAXID - US Tax Identification.
16DRIVERSLICENSENO
cardholder_second_id numberNValue used to identify the CARDHOLDER ID.40123-45-6789
cardholder_second_id issue_dateNDate when the identification was issued.Date(YYYYMMDD)20200101
cardholder_second_id expiration_dateNDate when the identification expires.Date(YYYYMMDD)20300101
cardholder_roleYThe role of the cardholder in relation to the card.
Accepted Values:
Primary Account Holder Authorized User
30Primary Account Holder
cardholder_role_ start_dateNDate that the role started.Date(YYYYMMDD)20240101
cardholder_role_end_ dateNDate that the role ended or changed.Date(YYYYMMDD)20241201
cardholder_statusYA CARDHOLDER status can be either Active or Inactive.10Active
residency_statusY OR NOnly required for Primary Account Holders and not Authorized Users.
Accepted Values:
US = US Citizen, RA = Resident Alien, NA = Non-resident Alien
3US
cardholder_first_ nameYFirst name of the primary CARDHOLDER.50John
cardholder_middle_ nameNMiddle name of the CARDHOLDER.50James
cardholder_last_ nameYLast name of the primary CARDHOLDER.50Doe
date_of_birthYDate of birth of the CARDHOLDER.Date(YYYYMMDD)19800101
address_line_1YAddress line 1 (cannot be a PO BOX address).100123 Main St
address_line_2NAddress line 2.100Apt 4B
cityYCity of the CARDHOLDER.50New York
stateNState of the CARDHOLDER (required for US addresses).2NY
zip_codeNZIP code of the CARDHOLDER (required for US addresses).1010001
countryYCountry code of the cardholder (ISO 3166-1).2US
primary_phone_ numberNPrimary phone number of the CARDHOLDER.151-555-555-5555
email_addressNEmail address of the CARDHOLDER.100[email protected]