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 Name	Required	Description	Character Length	Type	Example
CARDHOLDER ID	Yes	Unique ID identifying the cardholder.	35	Char	CUST123456
BUSINESS ID	Yes	Unique ID for business cardholders (commercial only).	35	Char	BUS789012
CARDHOLDER ACCOUNT NO	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 (Open or Closed).	10	Char	Open
ACCOUNT STATUS DATE	Yes	Date of the account status (Format: YYYYMMDD).	8	Char	20230101
CARDHOLDER ID TYPE	Yes	Code for ID type (e.g., 2for Driver’s License).	3	Char	2
CARDHOLDER ID NUMBER	Yes	Cardholder's identification number.	20	Char	123-45-6789
CARDHOLDER_ID ISSUE DATE	No	Date when the ID was issued (Format: YYYYMMDD).	8	Char	20200101
CARDHOLDER ID EXPIRATION DATE	No	The expiration date of the identification (Format: YYYYMMDD).	8	Char	20300101
CARDHOLDER TAX ID	Yes	Tax ID (SSN) for U.S. citizens.	9	Char	987654321
CARDHOLDER ROLE	Yes	Role of the cardholder (e.g., Primary Account Holder).	20	Char	Primary Account Holder
CARDHOLDER STATUS	Yes	Status of the cardholder (Active or Inactive).	10	Char	Active
RESIDENCY STATUS	No	Residency status of the cardholder (e.g., US).	3	Char	US
CARDHOLDER FIRST NAME	Yes	First name of the cardholder.	50	Char	John
CARDHOLDER MIDDLE INITIAL	No	Middle initial of the cardholder.	1	Char	A
CARDHOLDER LAST NAME	Yes	Last name of the cardholder.	50	Char	Doe
DATE OF BIRTH	Yes	Date of birth of the cardholder (Format: YYYYMMDD).	8	Char	19800101
ADDRESS LINE 1	Yes	The first line of the cardholder's address (No PO BOX).	100	Char	123 Main St
ADDRESS LINE 2	No	The second line of the cardholder's address.	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 (ISO 3166-1 Alpha-2 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]