Cards and data
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Card state model

Card state model

FINCI separates card stage from card status.

That distinction is important for a correct internal model and transaction-handling logic.

Card stage

Card stage describes the physical fulfillment state of the card.

It should be treated only as a physical card ordering and delivery indicator.

Supported values and meanings:

  • digital The card is not currently in a physical delivery stage.
  • plastic_not_delivered A physical card has been ordered but has not yet been delivered.
  • plastic_delivered The physical card has been delivered to the cardholder.

Card stage does not determine whether the card can transact.

Card status

Card status describes whether and how the card can be used operationally.

  • new Card exists but is not yet activated for transactions.
  • active Card can be used for transactions.
  • blocked Card is blocked from use and should be treated as a permanent restriction state.
  • closed Card has been permanently closed.
  • compromized Card is compromised.
  • damaged Card is physically damaged.
  • deactivated Card is temporarily suspended and may later be reactivated.
  • lost Card has been reported lost.
  • referral Dormant card.
  • stolen Card has been reported stolen.

Possible status transitions

The API reference defines the available status values and the status-update endpoint, but it does not define a formal status-transition contract.

Use the following diagram as a practical working model and confirm any product-specific exceptions with FINCI.

Possible card status transitions
  • new and active can both be initial issuance states, depending on the agreed issuance flow
  • deactivated is a temporary suspension state and may return to active
  • blocked, closed, compromized, damaged, lost, and stolen are end states for ongoing card use

Modeling guidance

The integrator platform should model:

  • stage as a fulfillment concept
  • status as an operational control concept

A physical card can move through stage changes without changing its allowed usage model. A status change, however, may directly affect transaction approval outcomes.

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