Create Card - Using DPAN or MPAN

Overview

The CMP Create Card API supports storing digital wallet cards, including Apple Pay Device PANs (DPANs) and Merchant PANs (MPANs), alongside traditional physical cards (PANs).

Cards classified as dpan or mpan from Apple Pay do not trigger downstream services such as Account Updater or Network Token provisioning, even if the service is configured to be onCreate enrollment type. Cards stored in this way behave similarly to traditional cards but are tagged with Apple Pay metadata.

To store an decrypted Apple Pay DPAN or MPAN, include the wallet token in the pan field of the Create Card request. Additionally, specify the following in the card object:

• wallet_type: apple_pay

• token_type: dpan / mpan

It’s important that merchants pass these values in lowercase only, as incorrect formatting will cause validation errors.

Note:

• Apple Pay wallet tokens are only retrievable through GET /cards/{id}. They are clearly marked as DPAN or MPAN and are not included in notifications.

• Apple Pay DPAN/MPAN cards do not trigger downstream services such as Account Updater, Network Token provisioning or 3DS.

• This applies even if the service is configured for onCreate enrollment.

• Tokenized wallet cards are retrievable via GET /cards/{id} .

Validation Rules when Creating a Card with DPAN/MPAN

• If creating a DPAN or MPAN from Apple Pay, the wallet_type field must be included. Omitting it will return a 422 Unprocessable Entity error.

• For physical PANs, wallet_type and token_type are optional, but token_type is always returned in the response as pan.

• Both wallet_type and token_type must be lowercase. For example: "Apple Pay" or "apple_Pay" will fail validation. Similarly, "DPAN" or "MPAN" in uppercase will also fail, returning 400 Bad Request.

You can see a sample request and response for Apple Pay cards here: VGS Card Management API – Create a Card.

Retrieve Card (GET /cards/{id})

When retrieving an Apple Pay card, the response includes wallet_type and token_type in the card object. These values match the ones sent during creation (wallet_type: apple_pay, token_type: dpan/mpan) and clearly indicate that the card is an Apple Pay DPAN or MPAN.

Sample response: VGS Card Management API – Get a Card.

Onboarding Requirements

No extra steps are needed. Customers already using CMP for card creation can immediately store Apple Pay cards without additional setup.