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 includes the required fields 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.

Field Definitions

FIELDS	REQUIRED	DESCRIPTION	CHARACTER LENGTH	EXAMPLE
CARDHOLDERID	Y	A unique identifier for the cardholder.	35	CUST123456
BUSINESSID	Y	A unique identifier for the business associated with the cardholder	20	BUS789012
BIN NUMBER	N	The first 8 digits from the most recent card number. BIN Number can be either 6 or 8 characters. If not provided by the client, the system will attempt to extract the BIN number from the most recent card.	8	12345678
CARDHOLDER FIRST ID TYPE	Y OR N	Codes 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. SSN (Social Security Number) - Required for US Citizens. DRIVERSLICENSENO (Driver's License Number) MATRICULACONSNO (Matricula Consular Number) PASSPORT (Passport) VISA (Visa) ALIENREG (Alien Reg. (Green Card)) STATEID (State ID) GOVERNMENTID (Government ID) OTHERID (Other Identification) USTAXID (US Tax ID)	16	SSN
CARDHOLDER FIRST ID NUMBER	Y OR N	ID Number associated with the Cardholder ID Type.	40	123-45-6789
CARDHOLDER FIRST ID ISSUE DATE	N	Date when the identification was issued.	Date(YYYYMMDD)	20200101
CARDHOLDER FIRST ID EXPIRATION DATE	N	Date when the identification expires.	Date(YYYYMMDD)	20300101
CARDHOLDER SECOND ID TYPE	N	Codes used to identify CARDHOLDER identification value. Cannot be the same id as the first. DRIVERSLICENSENO (Driver's License Number) MATRICULACONSNO (Matricula Consular Number) PASSPORT (Passport) VISA (Visa) ALIENREG (Alien Reg. (Green Card)) STATEID (State ID) GOVERNMENTID (Government ID) OTHERID (Other Identification) USTAXID (US Tax ID)	16	DRIVERSLICENSENO
CARDHOLDER SECOND ID NUMBER	N	Value used to identify the CARDHOLDER ID.	40	123-45-6789
CARDHOLDER SECOND ID ISSUE DATE	N	Date when the identification was issued.	Date(YYYYMMDD)	20200101
CARDHOLDER SECOND ID EXPIRATION DATE	N	Date when the identification expires.	Date(YYYYMMDD)	20300101
CARDHOLDER ROLE	Y	A cardholder role can be a 'Primary Account Holder' or an 'Authorized User'.	30	Primary Account Holder
CARDHOLDER ROLE START DATE	N	Date that the role started.	Date(YYYYMMDD)	20240101
CARDHOLDER ROLE END DATE	N	Date that the role end or changed.	Date(YYYYMMDD)	20241201
CARDHOLDER STATUS	Y	Code used to identify CARDHOLDER status. Can be Active or Inactive.	10	Active
RESIDENCY STATUS	Y OR N	Only required for Primary Account Holders(Customers) and not Authorized Users. US = US Citizen, RA = Resident Alien, NA = Non-resident Alien	3	US
CARDHOLDER FIRST NAME	Y	First name of the primary CARDHOLDER.	50	John
CARDHOLDER MIDDLE NAME	N	Middle name of the CARDHOLDER.	50	James
CARDHOLDER LAST NAME	Y	Last name of the primary CARDHOLDER.	50	Doe
DATE OF BIRTH	Y	Date of birth of the CARDHOLDER.	Date(YYYYMMDD)	19800101
ADDRESS LINE 1	Y	Address line 1 (cannot be a PO BOX address).	100	123 Main St
ADDRESS LINE 2	N	Address line 2.	100	Apt 4B
CITY	Y	City of the CARDHOLDER.	50	New York
STATE	N	State of the CARDHOLDER (required for US addresses).	2	NY
ZIP CODE	N	ZIP code of the CARDHOLDER (required for US addresses).	10	10001
COUNTRY	Y	Country code of the cardholder (ISO 3166-1).	2	US
PRIMARY PHONE NUMBER	N	Primary phone number of the CARDHOLDER.	15	1-555-555-5555
EMAIL ADDRESS	N	Email address of the CARDHOLDER.	100	[email protected]