# API Create Card Policy

#### Endpoint: `POST {{url_openapi}}/v2/vc/virtual-card-policies/`

#### Description:

Create a new Virtual Card Policy for a merchant, specifying card limits, expiry, supported MCC groups, and other policy settings.

***

## Request

#### Request Body Field Descriptions (JSON)

| Field             | Type      | Required | Description                                                                                     |
| ----------------- | --------- | -------- | ----------------------------------------------------------------------------------------------- |
| requestId         | string    | Yes      | Unique request ID (*UUID recommended*)                                                          |
| name              | string    | Yes      | Name of the virtual card policy                                                                 |
| cardBrand         | string    | No       | Card brand (`"visa"`, `"mastercard"`)                                                           |
| cardCurrency      | integer   | No       | Card currency (Support: `"USD"`, `"EUR"`, `"GBP"`, `"SGD"`, `"HKD"`, `"VND"`). Default: **USD** |
| cardLimit         | integer   | No       | Maximum card limit (*in currency*)                                                              |
| expiryDate        | string    | No       | Card expiry date in format `YYYY-MM`                                                            |
| minTransAmount    | integer   | No       | Minimum transaction amount (*in currency*)                                                      |
| maxTransAmount    | integer   | No       | Maximum transaction amount (*in currency*)                                                      |
| activeOnCreate    | boolean   | No       | Whether the card is active upon creation. Default: `false`                                      |
| autoCloseCard     | boolean   | No       | Whether the card should auto-close. Default: `false`                                            |
| supportedMccGroup | string\[] | No       | List of supported Merchant Category Codes (MCC)                                                 |

***

#### Request sample

```json
{
  "name": "MERCHANT TEST VIRTUAL CARD POLICY",
  "requestId": "de1d2870-b3cf-4c92-ab0c-6b758ae4c7c4",
  "cardBrand": "visa",
  "cardCurrency": "USD",
  "cardLimit": 30000,
  "expiryDate": "2028-12",
  "minTransAmount": 10,
  "maxTransAmount": 20000,
  "activeOnCreate": true,
  "autoCloseCard": false,
  "supportedMccGroup": ["9405", "8011"]
}
```

***

### Response

#### Response Field Descriptions

| Field         | Type   | Description                   |
| ------------- | ------ | ----------------------------- |
| code          | number | Response code                 |
| state         | number | State of the response         |
| data          | object | Details of the created policy |
| message       | string | Status message                |
| neoResponseId | string | Internal response tracking ID |

#### `data` object fields:

| Field             | Type      | Description                                |
| ----------------- | --------- | ------------------------------------------ |
| requestId         | string    | Merchant request ID                        |
| merchantCode      | string    | Merchant code                              |
| name              | string    | Policy name                                |
| cardBrand         | string    | Card brand                                 |
| cardCurrency      | string    | Card currency                              |
| expiryDate        | string    | Expiry date                                |
| cardLimit         | number    | Card limit (*in currency*)                 |
| minTransAmount    | number    | Minimum transaction amount (*in currency*) |
| maxTransAmount    | number    | Maximum transaction amount (*in currency*) |
| activeOnCreate    | boolean   | Active on create                           |
| autoCloseCard     | boolean   | Auto close card                            |
| supportedMccGroup | string\[] | Supported MCC groups                       |
| isActive          | boolean   | Is policy active                           |
| extraData         | object    | Reserved for future use                    |
| revision          | number    | Revision number                            |
| createdAt         | string    | Creation timestamp (ISO 8601)              |
| createdBy         | string    | Creator's email                            |

***

#### Response sample

```json
{
  "code": 1,
  "state": 2,
  "data": {
    "requestId": "de1d2870-b3cf-4c92-ab0c-6b758ae4c7c4",
    "merchantCode": "COLRLC",
    "name": "MERCHANT TEST VIRTUAL CARD POLICY",
    "cardBrand": "visa",
    "cardCurrency": "USD",
    "cardLimit": 3000,
    "expiryDate": "2028-12",
    "minTransAmount": 10,
    "maxTransAmount": 2000,
    "activeOnCreate": true,
    "autoCloseCard": false,
    "supportedMccGroup": [
      "9405",
      "8011"
    ],
    "isActive": true,
    "extraData": {},
    "revision": 1,
    "createdAt": "2025-06-04T02:08:31.887Z",
    "createdBy": "sony@gmail.com"
  },
  "message": "Successful",
  "neoResponseId": "8bab83be-1048-4dd0-b846-b35241c8eca3"
}
```

***

## Example cURL

```bash
curl -X POST "https://{base_url_openapi}/v2/vc/virtual-card-policies" \
  -H "Authorization: Bearer <YOUR_TOKEN>" \
  -H "Content-Type: application/json" \
  -H "Accept-Language: en" \
  -d '{
    "name": "MERCHANT TEST VIRTUAL CARD POLICY",
    "requestId": "de1d2870-b3cf-4c92-ab0c-6b758ae4c7c4",
    "cardBrand": "visa",
    "cardCurrency": "USD",
    "cardLimit": 30000,
    "expiryDate": "2028-12",
    "minTransAmount": 10,
    "maxTransAmount": 20000,
    "activeOnCreate": true,
    "autoCloseCard": false,
    "supportedMccGroup": ["9405", "8011"]
  }'
```

***

### Notes

* Requires Bearer token in the Authorization header.
* The Accept-Language header can be used to specify the response language (Support: "vi", "en").
* Use a unique `requestId` for each request to avoid duplicate creations.
* Ensure the MCC codes are valid and supported by your system.