Implementation Notes

Use the following notes as final implementation reminders when integrating Card Renewal & Replacement flows.

• Payblr does not automatically renew cards when they approach expiration.
• Your system owns the renewal policy, renewal timing, eligibility rules, and cardholder-facing renewal experience.
• Virtual renewal is a single request and does not require a request body.
• Physical renewal is a two-step process: first renew, then migrate after the cardholder receives the renewed card.
• Physical renewal ultimately requires the card to be activated using the card status endpoint.
• Replacement creates a new card and can be used for lost, stolen, damaged, or otherwise reissued cards.
• For virtual replacement cards, activation happens simultaneously because the card is issued instantly.
• For physical replacement cards, activation must happen when the customer receives the card.
• If the original card is reported lost or stolen, update the old card to status 41 before completing the replacement journey.
• When setting a card to lost, remove the validityDate field from the request body.
• Complete Card Replacement is a follow-up step, not the initial replacement step.