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	Example
`cardholder_id`	Y	A unique identifier for the cardholder.	35	CUST123456
`business_id`	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.	8	87651234
`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. 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.	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. 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.	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	The role of the cardholder in relation to the card. Accepted Values: `Primary Account Holder` `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 ended or changed.	Date(YYYYMMDD)	20241201
`cardholder_status`	Y	A CARDHOLDER status can be either `Active` or `Inactive`.	10	Active
`residency_status`	Y OR N	Only required for Primary Account Holders and not Authorized Users. Accepted Values: `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]