Quickstart

This guide takes you from an API key to an active virtual card in the sandbox. You need a sandbox key from the PointZero Dashboard. Sandbox keys start with sk_test_ and never move real money.

Set your API key

export POINTZERO_API_KEY="sk_test_..."

Find your program

curl https://sandbox.api.pointzero.io/v1/programs \
  -H "Authorization: Bearer $POINTZERO_API_KEY"

Response

{
  "object": "list",
  "data": [
    {
      "id": "prog_01JZ8A2K4M",
      "object": "program",
      "name": "Corporate Cards",
      "status": "active",
      "network": "visa",
      "supported_card_types": ["virtual", "physical"],
      "supported_currencies": ["EUR"]
    }
  ],
  "has_more": false,
  "next_cursor": null
}

Copy the id of an active program. If you leave program_id out when creating a card, your account’s default program is used.

Create a customer

curl https://sandbox.api.pointzero.io/v1/customers \
  -H "Authorization: Bearer $POINTZERO_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{
    "type": "individual",
    "external_id": "user_10492",
    "name": { "first": "Alex", "last": "Morgan" },
    "email": "alex.morgan@example.com",
    "phone": "+34600000000"
  }'

Response

{
  "id": "cus_01JZ8M4X7K",
  "object": "customer",
  "type": "individual",
  "external_id": "user_10492",
  "name": { "first": "Alex", "last": "Morgan" },
  "email": "alex.morgan@example.com",
  "phone": "+34600000000",
  "status": "active",
  "created_at": "2026-10-05T19:47:12Z"
}

Issue a virtual card

curl https://sandbox.api.pointzero.io/v1/cards \
  -H "Authorization: Bearer $POINTZERO_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{
    "customer_id": "cus_01JZ8M4X7K",
    "program_id": "prog_01JZ8A2K4M",
    "type": "virtual",
    "currency": "EUR",
    "cardholder": { "name": "ALEX MORGAN" },
    "spending_controls": { "single_transaction_limit": 50000 }
  }'

const response = await fetch("https://sandbox.api.pointzero.io/v1/cards", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.POINTZERO_API_KEY}`,
    "Content-Type": "application/json",
    "Idempotency-Key": crypto.randomUUID(),
  },
  body: JSON.stringify({
    customer_id: "cus_01JZ8M4X7K",
    program_id: "prog_01JZ8A2K4M",
    type: "virtual",
    currency: "EUR",
    cardholder: { name: "ALEX MORGAN" },
    spending_controls: { single_transaction_limit: 50000 },
  }),
});

const card = await response.json();

import os
import uuid
import requests

response = requests.post(
    "https://sandbox.api.pointzero.io/v1/cards",
    headers={
        "Authorization": f"Bearer {os.environ['POINTZERO_API_KEY']}",
        "Idempotency-Key": str(uuid.uuid4()),
    },
    json={
        "customer_id": "cus_01JZ8M4X7K",
        "program_id": "prog_01JZ8A2K4M",
        "type": "virtual",
        "currency": "EUR",
        "cardholder": {"name": "ALEX MORGAN"},
        "spending_controls": {"single_transaction_limit": 50000},
    },
)

card = response.json()

Response

{
  "id": "card_01JZ8N2K4M",
  "object": "card",
  "customer_id": "cus_01JZ8M4X7K",
  "program_id": "prog_01JZ8A2K4M",
  "type": "virtual",
  "status": "active",
  "currency": "EUR",
  "brand": "visa",
  "last4": "4821",
  "expiry": { "month": 11, "year": 2029 },
  "spending_controls": {
    "single_transaction_limit": 50000,
    "daily_limit": null,
    "monthly_limit": null
  },
  "created_at": "2026-10-05T19:48:00Z"
}

50000 is €500.00: all amounts are in minor units.

Check transactions

curl "https://sandbox.api.pointzero.io/v1/transactions?card_id=card_01JZ8N2K4M" \
  -H "Authorization: Bearer $POINTZERO_API_KEY"

Transactions are returned newest first. A new card returns an empty data array until it is used.

Next steps

Controls

Limit where and how the card works.

Physical cards

Order a plastic card and set its PIN.

Digital wallets

Add the card to Apple Pay or Google Pay.

Get Started

API Basics

Card Issuing

Next steps

Controls

Physical cards

Digital wallets

​Next steps

Controls

Physical cards

Digital wallets

Next steps