Consumer Banking Blueprint

Consumer Credit and Debit

Launch consumer checking, debit, or revolving credit card products. Perform KYC/CIP identity verification via API, generate instant virtual cards, push-provision credentials to Apple Pay and Google Wallet, and manage real-time revolving balances and interest schedules.

System Architecture & Flow

CONSUMER CARD ISSUING & WALLET PROVISIONING LIFECYCLEInstant Issuance

KYC Verification

Submit consumer identity details to verify CIP, sanctions, and assign credit limit.

Virtual Card Created

Instant card PAN, CVV, and expiration generated within secure PCI vault.

Mobile Wallet Push

Encrypted Apple Pay / Google Wallet payload generated for in-app 1-tap provisioning.

Interest & Ledger

Transactions post to double-entry ledger with automated statement generation.

1Create Consumer Cardholder with Identity Verification

Submit the cardholder's legal information to initiate identity verification (CIP/OFAC screening) and create their underlying depository or credit account.

POST /v1/cardholdersCreate Consumer Cardholder

curl -X POST "https://api.sandbox.rookpayments.com/v1/cardholders" \
  -H "Authorization: Bearer rk_test_..." \
  -H "X-Program-ID: 7c9e6679-7425-40de-944b-e07fc1f90ae7" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "individual",
    "name": "Elena Rostova",
    "email": "elena@example.com",
    "phone_number": "+14155552671",
    "billing_address": {
      "street": "1200 Market Street",
      "city": "San Francisco",
      "state": "CA",
      "postal_code": "94102",
      "country": "USA"
    },
    "identification": {
      "ssn_last4": "8812",
      "date_of_birth": "1994-06-15"
    }
  }'

2Push Provision Card to Apple Pay & Google Wallet

Request an encrypted digital wallet provisioning token. Pass this payload to your iOS (PassKit) or Android (Google Pay SDK) app for instant one-tap wallet enrollment.

POST /v1/cards/{id}/push-provisionGenerate Wallet Cryptogram

curl -X POST "https://api.sandbox.rookpayments.com/v1/cards/crd_109283/push-provision" \
  -H "Authorization: Bearer rk_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "wallet_provider": "apple_pay",
    "certificates": [
      "LS0tLS1CRUdJTiBDRVJUSUZJQ0FURS0tLS0t...",
      "LS0tLS1CRUdJTiBDRVJUSUZJQ0FURS0tLS0t..."
    ],
    "nonce": "9a2f1b8c4d...",
    "nonce_signature": "4f8a12bc90..."
  }'

3Query Revolving Credit Line & Ledger Statements

Track customer credit utilization, payment due dates, and minimum payments with double-entry balance statements.

GET /v1/credit/lines/{id}/statementRetrieve Balance

curl -X GET "https://api.sandbox.rookpayments.com/v1/credit/lines/crdln_7712/statement" \
  -H "Authorization: Bearer rk_test_..." \
  -H "X-Program-ID: 7c9e6679-7425-40de-944b-e07fc1f90ae7"

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