Cardholder Requirements
Cardholder
Contains all details related to a legal person. A customer identity in relation to Issuing BIN Sponsorship involves the identification and verification of the customer's details to ensure compliance with regulatory requirements and to facilitate secure transactions.
Data Requirements
1. Data Format
- Type: Pipe-delimited text
- Encoding: UTF-8
- File Extension:
.txt
2. File Naming Convention
- Format:
cardholder_data_<YYYYMMDD>.txt - Example:
cardholder_data_20240910.txt
3. Data Fields
| Field Name | Required | Description | Character Length | Type | Example |
|---|---|---|---|---|---|
CARDHOLDERID | Yes | Unique ID identifying a cardholder. | 35 | Char | CUST123456 |
BUSINESSID | Yes | Required for Commercial Cardholders only. Unique ID identifying a business associated with a cardholder. | 35 | Char | BUS789012 |
CARDHOLDER_ACCOUNTNO | Yes | Account number tied to the cardholder. | 35 | Char | 1234567890123450 |
ACCOUNT_OPEN_DATE | No | Date when the account was opened. Format: YYYYMMDD | 8 | Char | 20200101 |
ACCOUNT_CLOSED_DATE | No | Date when the account was closed. Format: YYYYMMDD | 8 | Char | 20250101 |
ACCOUNT_STATUS | Yes | Status of the cardholder's account. Can be open or closed. | 10 | Char | Open |
ACCOUNT_STATUS_DATE | Yes | Date of the account status. Format: YYYYMMDD | 8 | Char | 20230101 |
CARDHOLDER_ID_TYPE | Yes | Codes used to identify cardholder identification value. 2 = DRIVERLICENSENO 3 = MATRICULACONSNO 4 = PASSPORT 5 = VISA 6 = ALIENREG 7 = STATEID 8 = GOVERNMENTID 9 = OTHERID | 3 | Char | 2 |
CARDHOLDER_ID_NUMBER | Yes | Value used to identify the cardholder. | 20 | Char | 123-45-6789 |
CARDHOLDER_ID_ISSUE_DATE | No | Date when the identification was issued. Format: YYYYMMDD | 8 | Char | 20200101 |
CARDHOLDER_ID_EXPIRATION_DATE | No | Date when the identification expires. Format: YYYYMMDD | 8 | Char | 20300101 |
CARDHOLDER_TAX_ID | Yes | Tax ID (SSN) is required for U.S. citizens. | 9 | Char | 987654321 |
CARDHOLDER_ROLE | Yes | Role of the cardholder. | 20 | Char | Primary Account Holder |
CARDHOLDER_STATUS | Yes | Status of the cardholder. Can be Active or Inactive. | 10 | Char | Active |
RESIDENCY_STATUS | No | Only required for Primary Account Holders (Customers) and not Authorized Users. | 3 | Char | US |
CARDHOLDER_FIRST_NAME | Yes | First name of the primary cardholder. | 50 | Char | John |
CARDHOLDER_MIDDLE_INITIAL | No | Middle initial of the cardholder. | 1 | Char | A |
CARDHOLDER_LAST_NAME | Yes | Last name of the primary cardholder. | 50 | Char | Doe |
DATE_OF_BIRTH | Yes | Date of birth of the cardholder. Format: YYYYMMDD | 8 | Char | 19800101 |
ADDRESS_LINE_1 | Yes | Address line 1 (cannot be a PO BOX address). | 100 | Char | 123 Main St |
ADDRESS_LINE_2 | No | Address line 2. | 100 | Char | Apt 4B |
CITY | Yes | City of the cardholder. | 50 | Char | New York |
STATE | No | State of the cardholder (required for US addresses). | 2 | Char | NY |
ZIP_CODE | No | ZIP code of the cardholder (required for US addresses). | 10 | Char | 10001 |
COUNTRY | Yes | Country code of the cardholder. Use ISO 3166-1 Alpha-2 Country code standard. | 2 | Char | US |
PRIMARY_PHONE_NUMBER | No | Primary phone number of the cardholder. | 15 | Char | 1-555-555-5555 |
EMAIL_ADDRESS | No | Email address of the cardholder. | 100 | Char | [email protected] |
4. Validation Rules
- CARDHOLDERID: Must be a unique identifier.
- BUSINESSID: Required for commercial cardholders.
- CARDHOLDER_ACCOUNTNO: Must be a valid account number.
- ACCOUNT_OPEN_DATE: Must be in the format YYYYMMDD.
- ACCOUNT_CLOSED_DATE: Must be in the format YYYYMMDD.
- ACCOUNT_STATUS: Must be either "open" or "closed".
- ACCOUNT_STATUS_DATE: Must be in the format YYYYMMDD.
- CARDHOLDER_ID_TYPE: Must be one of the predefined codes (e.g., 2 for DRIVERLICENSENO).
- CARDHOLDER_ID_NUMBER: Must be a valid identification number.
- CARDHOLDER_ID_ISSUE_DATE: Must be in the format YYYYMMDD.
- CARDHOLDER_ID_EXPIRATION_DATE: Must be in the format YYYYMMDD.
- CARDHOLDER_TAX_ID: Must be a valid SSN for U.S. citizens.
- CARDHOLDER_ROLE: Must be one of the predefined roles (e.g., "Primary Account Holder").
- CARDHOLDER_STATUS: Must be either "Active" or "Inactive".
- RESIDENCY_STATUS: Must be one of the predefined codes (e.g., US, RA, NA).
- DATE_OF_BIRTH: Must be in the format YYYYMMDD.
- COUNTRY: Must use ISO 3166-1 Alpha-2 Country code standard.
Example Pipe-Delimited Text File
CARDHOLDERID|BUSINESSID|CARDHOLDER_ACCOUNTNO|ACCOUNT_OPEN_DATE|ACCOUNT_CLOSED_DATE|ACCOUNT_STATUS|ACCOUNT_STATUS_DATE|CARDHOLDER_ID_TYPE|CARDHOLDER_ID_NUMBER|CARDHOLDER_ID_ISSUE_DATE|CARDHOLDER_ID_EXPIRATION_DATE|CARDHOLDER_TAX_ID|CARDHOLDER_ROLE|CARDHOLDER_STATUS|RESIDENCY_STATUS|CARDHOLDER_FIRST_NAME|CARDHOLDER_MIDDLE_INITIAL|CARDHOLDER_LAST_NAME|DATE_OF_BIRTH|ADDRESS_LINE_1|ADDRESS_LINE_2|CITY|STATE|ZIP_CODE|COUNTRY|PRIMARY_PHONE_NUMBER|EMAIL_ADDRESS CUST123456|BUS789012|1234567890123450|20200101||Open|20230101|2|123-45-6789|20200101|20300101|987654321|Primary Account Holder|Active|US|John|A|Doe|19800101|123 Main St|Apt 4B|New York|NY|10001|US|1-555-555-5555|[email protected]
Explanation of Example Data
CARDHOLDERID: CUST123456 - Unique ID identifying the cardholder.
BUSINESSID: BUS789012 - Unique ID identifying the business associated with the cardholder.
CARDHOLDER_ACCOUNTNO: 1234567890123450 - Account number tied to the cardholder.
ACCOUNT_OPEN_DATE: 20200101 - Date when the account was opened.
ACCOUNT_CLOSED_DATE: (empty) - No closure date provided.
ACCOUNT_STATUS: Open - Status of the cardholder’s account.
ACCOUNT_STATUS_DATE: 20230101 - Date of the account status.
CARDHOLDER_ID_TYPE: 2 - Code for the type of identification (e.g., Driver’s License).
CARDHOLDER_ID_NUMBER: 123-45-6789 - Identification number of the cardholder.
CARDHOLDER_ID_ISSUE_DATE: 20200101 - Date when the identification was issued.
CARDHOLDER_ID_EXPIRATION_DATE: 20300101 - Date when the identification expires.
CARDHOLDER_TAX_ID: 987654321 - Tax ID (SSN) of the cardholder.
CARDHOLDER_ROLE: Primary Account Holder - Role of the cardholder.
CARDHOLDER_STATUS: Active - Status of the cardholder.
RESIDENCY_STATUS: US - Residency status of the cardholder.
CARDHOLDER_FIRST_NAME: John - First name of the cardholder.
CARDHOLDER_MIDDLE_INITIAL: A - Middle initial of the cardholder.
CARDHOLDER_LAST_NAME: Doe - Last name of the cardholder.
DATE_OF_BIRTH: 19800101 - Date of birth of the cardholder.
ADDRESS_LINE_1: 123 Main St - Address line 1 of the cardholder.
ADDRESS_LINE_2: Apt 4B - Address line 2 of the cardholder.
CITY: New York - City of the cardholder.
STATE: NY - State of the cardholder.
ZIP_CODE: 10001 - ZIP code of the cardholder.
COUNTRY: US - Country code of the cardholder.
PRIMARY_PHONE_NUMBER: 1-555-555-5555 - Primary phone number of the cardholder.
EMAIL_ADDRESS: [email protected] - Email address of the cardholder.
Contact Information
Updated 14 days ago