> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pointzero.io/llms.txt
> Use this file to discover all available pages before exploring further.

# List programs

> Returns the card programs available to your account.



## OpenAPI

````yaml /api-reference/openapi.json get /programs
openapi: 3.0.3
info:
  title: PointZero Card Issuing API
  version: 2026-10
  description: >-
    Issue and manage virtual and physical payment cards.


    All amounts are integers in the smallest currency unit. Requests and
    responses are JSON. Authenticate with a secret API key in the
    `Authorization: Bearer` header; keys starting with `sk_test_` work only in
    the sandbox.


    List endpoints use cursor pagination with `limit` and `starting_after`.
    `POST` requests that create resources accept an `Idempotency-Key` header.
  contact:
    name: PointZero
    email: support@pointzero.io
    url: https://pointzero.io
servers:
  - url: https://api.pointzero.io/v1
    description: Production
  - url: https://sandbox.api.pointzero.io/v1
    description: Sandbox
security:
  - bearerAuth: []
tags:
  - name: Programs
    description: Card programs configured for your account.
  - name: Customers
    description: Individuals and businesses that hold cards.
  - name: Cards
    description: Issue and manage the card lifecycle.
  - name: Authorization Controls
    description: Merchant, country and channel rules.
  - name: 3D Secure
    description: 3DS settings for online payments.
  - name: Wallets
    description: Apple Pay and Google Pay tokens.
  - name: Physical Cards
    description: Production and delivery of plastic cards.
  - name: PIN
    description: PIN management for physical cards.
  - name: Transactions
    description: Authorizations, refunds and settlements.
  - name: Disputes
    description: Chargebacks on card transactions.
paths:
  /programs:
    get:
      tags:
        - Programs
      summary: List programs
      description: Returns the card programs available to your account.
      operationId: listPrograms
      parameters:
        - $ref: '#/components/parameters/Limit'
        - $ref: '#/components/parameters/StartingAfter'
      responses:
        '200':
          description: OK.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProgramList'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '403':
          $ref: '#/components/responses/Forbidden'
        '429':
          $ref: '#/components/responses/TooManyRequests'
components:
  parameters:
    Limit:
      name: limit
      in: query
      description: Number of items to return.
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 20
    StartingAfter:
      name: starting_after
      in: query
      description: Cursor from `next_cursor` of the previous page.
      schema:
        type: string
  schemas:
    ProgramList:
      type: object
      required:
        - object
        - data
        - has_more
      properties:
        object:
          type: string
          enum:
            - list
          description: Object type.
          readOnly: true
        data:
          type: array
          items:
            $ref: '#/components/schemas/Program'
        has_more:
          type: boolean
        next_cursor:
          type: string
          nullable: true
          description: Pass as `starting_after` to get the next page.
    Program:
      type: object
      description: >-
        A card program defines the BIN, network, currencies and card types
        available to your account.
      required:
        - id
        - object
        - name
        - status
      properties:
        id:
          type: string
          description: Unique identifier, prefixed with `prog_`.
          example: prog_01JZ8A2K4M
          readOnly: true
        object:
          type: string
          enum:
            - program
          description: Object type.
          readOnly: true
        name:
          type: string
          example: Corporate Cards
        status:
          type: string
          enum:
            - active
            - inactive
        network:
          type: string
          enum:
            - visa
            - mastercard
          example: visa
        supported_card_types:
          type: array
          items:
            type: string
            enum:
              - virtual
              - physical
        supported_currencies:
          type: array
          items:
            type: string
            pattern: ^[A-Z]{3}$
            description: Three-letter ISO 4217 currency code.
            example: EUR
        created_at:
          type: string
          format: date-time
          description: Time the program was created.
          readOnly: true
    Error:
      type: object
      required:
        - error
      properties:
        error:
          type: object
          required:
            - type
            - message
            - request_id
          properties:
            type:
              type: string
              enum:
                - invalid_request
                - authentication_error
                - permission_error
                - not_found
                - conflict
                - rate_limit
                - api_error
            code:
              type: string
              example: card_not_active
            message:
              type: string
              example: The card must be active to perform this action.
            param:
              type: string
              nullable: true
              example: card_id
            request_id:
              type: string
              example: req_01JZ8R2Q4V
  responses:
    BadRequest:
      description: The request is malformed or missing required parameters.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: The API key is missing or invalid.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Forbidden:
      description: The API key does not have access to this resource.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    TooManyRequests:
      description: Too many requests. Retry after the time given in `Retry-After`.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
      headers:
        Retry-After:
          schema:
            type: integer
          description: Seconds to wait before retrying.
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: Secret API key, e.g. `sk_live_...` or `sk_test_...`.

````

This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.