6 Performing Card Actions

You can use Thredd Portal: Cards and Transaction Management to complete a variety of actions on a card, such as adjusting a balance or changing the status of a card. What actions you can perform depends on the status of the card.

To display the Card Actions menu, search for a Card from the home page, or alternatively specify additional criteria to search for matching cards. For more information, see Searching for a Card.

  • If you have searched for the specific card token, Thredd Portal: Cards and Transaction Management displays the Card Details page.

  • If you have searched using additional criteria, Thredd Portal: Cards and Transaction Management displays a list of cards. In this case, select the required card to display the Card Details page.

The Card Actions menu is on the right of the Card Details page.

Figure 18: Card Actions menu

6.1 Activate Card

In many cases, when a card is created, it will need to be activated by the cardholder. This is to protect the card from being maliciously used during transit to the cardholder, though there are use cases where a card product is set up at a product level to be activated automatically on creation.

To activate a card:

  1. Navigate to the card you want to activate using the search functionality.

  2. Click Activate Card. The Activate Public Token window displays.

    Figure 19: Activate Card option

  3. Enter the reason for the activation in the Notes field.

    Figure 20: Activate Public Token window

  4. Click Activate.

    Figure 21: Notes in Activate Public Token window

    A window displays to confirm the activation of the card.

    Figure 22: Confirm card activation

6.2 Adjusting a Balance

You can add or remove funds from a cardholder’s balance manually.

You can also adjust the balance with the Cards REST API endpoint, Adjust Balance and the Web Services SOAP API, Ws_BalanceAdjustment. For more information, read Updating the Card Balance in the Cards API website and Card Balance Adjustment in the Web Services Guide.

To adjust a balance:

  1. Search for a Card from the home page, or alternatively specify additional criteria to search for matching cards. For more information, see Searching for a Card.

    • If you have searched for the specific card token, Thredd Portal: Cards and Transaction Management displays the Card Details page.

    • If you have searched using additional criteria, Thredd Portal: Cards and Transaction Management displays a list of cards. In this case, select the required card to display the Card Details page.

  2. Click the Card Actions menu on the right of the page.

    Figure 23: Card Actions menu

  3. From the Card Actions menu, select Balance Adjustment to display Step 1 - Review Balances.

  4. Review the current balances, then click Next to move to Step 2 - Adjustments.

  5. Specify Credit or Debit and the Adjustment Amount. If you have multiple balances (For example, if you have an available balance and blocked amount) the Adjustment Type field will be available. Use this field to select the balance you want to adjust.

    Figure 24: Balance Adjustment options

    Ensure this amount is correct as it causes issues with the balance if entered incorrectly.

  6. Click Next to move to Step 3 - Review and Save.

  7. Review the Balance Adjustment and, In the Notes field, add the reason for the adjustment. Ensure this amount is correct as it causes issues with the balance if input incorrectly.

    The Notes field is required for audit purposes.

  8. Click X to close the notification and return to the Card Details.

6.3 Loading a Card

You can load a specified amount from an account using the Card Load action.

You can also load a card with the Cards REST API endpoint, Card Load and the Web Services SOAP API, Ws_Load. For more information, read Loading or Unloading a Card in the Cards API website and Card Load in the Web Services Guide.

To load a specified amount onto a card:

  1. Search for a Card from the home page, or alternatively specify additional criteria to search for matching cards. For more information, see Searching for a Card.

    • If you have searched for the specific card token, Thredd Portal: Cards and Transaction Management displays the Card Details page.

    • If you have searched using additional criteria, Thredd Portal: Cards and Transaction Management displays a list of cards. In this case, select the required card to display the Card Details page.

  2. Click the Card Actions menu on the right of the page.

    Figure 25: Card Actions menu

  3. From the Card Actions menu, select Card Load/Unload, to display Step 1 - Select Card Load or Unload.

  4. Choose Load from the drop-down menu and click Next to move to Step 2 - Review Balances.

  5. Review the Balance Amounts.

  6. Click Next to move to Step 3 - Choose Amount to Load or Unload.

  7. Specify the amount you want to load onto the card in Load Amount.

    Figure 26: Card Load - Step 3 - Choose Load Amount

  8. Click Next to move to Step 4 - Review and Save.

  9. Review the Load Amount and in the Notes field, add the reason for the card load.

    This is required for audit purposes.

  10. Click X to close the notification and return to the Card Details.

6.4 Unloading a Card

You can unload a specified amount from an account using the Card Unload action. For example, you may need to do this if you are closing an account. 

You can also unload a card with the Cards REST API endpoint, Card Unload and the Web Services SOAP API, Ws_UnLoad.For more information, read Loading or Unloading a Card in the Cards API website and Card Unload in the Web Services Guide.

To unload a specified amount from a card:

  1. Search for a Card from the home page, or alternatively specify additional criteria to search for matching cards. For more information, see Searching for a Card.

    • If you have searched for the specific card token, Thredd Portal: Cards and Transaction Management displays the Card Details page.

    • If you have searched using additional criteria, Thredd Portal: Cards and Transaction Management displays a list of cards. In this case, select the required card to display the Card Details page.

  2. Click the Card Actions menu on the right of the page.

    Figure 27: Card Actions menu

  3. From the Card Actions menu, select Card Load/Unload, to display Step 1 - Select Card Load or Unload.

  4. Choose Unload from the drop-down menu and click Next to move to Step 2 - Review Balances.

    Figure 28: Card Unload - Step 1 - Select Card Load or Unload

  5. Review the Balance Amounts.

  6. Click Next to move to Step 3 - Choose Amount to Load or Unload.

    Figure 29: Card Unload - Step 3 - Choose Unload Amount

  7. Specify the amount you want to unload from the card in Unload Amount.

    You cannot unload more than the available balance.

  8. Click Next to move to Step 4 - Review and Save.

  9. Review the Unload Amount.

    Ensure this amount is correct as it causes issues with the balance if entered incorrectly.

  10. In the Notes field, add the reason for the card unload.

    This is required for audit purposes.

  11. Click X to close the notification and return to the Card Details.

6.5 Changing the Status of a Card

You can change the status of a card using Change Card Status. For example, you may need to do this if a card is reported as lost or stolen. Each card status has a different effect on how the card can be used. For a full list of card statuses, read Appendix B: Card Status Codes.

You can also change the card status with the Cards REST API endpoint, Update Card Status and the Web Services SOAP API, Ws_StatusChange. For more information, see Card Status in the Cards API website and Card Change Status in the Web Services Guide.

To change the status of a card:

  1. Search for a Card from the home page, or alternatively specify additional criteria to search for matching cards. For more information, see Searching for a Card.

    • If you have searched for the specific card token, Thredd Portal: Cards and Transaction Management displays the Card Details page.

    • If you have searched using additional criteria, Thredd Portal: Cards and Transaction Management displays a list of cards. In this case, select the required card to display the Card Details page.

  2. Click the Card Actions menu on the right of the page.

    Figure 30: Card Actions menu

  3. From the Card Actions menu, select Change Card Statusto display Step 1 - Review Card Status

  4. Click Next to move to Step 2 - Change Card Status.

  5. Choose the new Card Status in the drop-down menu.

    Figure 31: Change Card Status - Step 2 - Choose new Card Status

  6. Click Next to move to Step 3 - Review and Save.

  7. In the Notes field, add the reason for the card status change.

    This is required for audit purposes.

  8. Click X to close the notification and return to the Card Details.


  • Most statuses are reversible (except for 83 – Card Destroyed, and 43 - stolen).

  • All statuses other than 00 prevents the card from being used over the Mastercard or VISA network.

  • Do not use 01 – Refer to Card Issuer or 54 – Expired Card. These are for Thredd use only.

  • Changing the status to 99 (card voided) or 98 (refund to customer) automatically generates a card balance adjustment down to 0.00. A negative balance must be manually adjusted to 0.00.

  • Where MDES or VDEP is in place and a cardholder is using a relevant provider, the DPAN Token (Device PAN token) can have a different status to the FPAN (Funding Primary Account Number — the PAN on the physical card). Examples of providers for MDES or VDEP include Apple Pay, G Pay, Fitbit Pay, Sony Pay, Mont Blanc Pay or similar.

6.6 Resetting all PIN and CVC2 tries

In some situations, the offline PIN and online PIN can become out of sync. This can happen when a cardholder changes their PIN at an offline terminal then uses their card at an online terminal that doesn’t recognise the change.

You can also reset all PIN tries with the Cards REST API endpoint, Unblock PIN and the Web Services SOAP API, Ws_PINControl. For more information, read PIN Management in the Cards API Website and Card PIN Control in the Web Services Guide.

To reset all PIN tries:

  1. Search for a Card from the home page, or alternatively specify additional criteria to search for matching cards. For more information, see Searching for a Card.

    • If you have searched for the specific card token, Thredd Portal: Cards and Transaction Management displays the Card Details page.

    • If you have searched using additional criteria, Thredd Portal: Cards and Transaction Management displays a list of cards. In this case, select the required card to display the Card Details page.

  2. Click the Card Actions menu on the right of the page.

    Figure 32: Card Actions menu

  3. From the Card Actions menu, select PIN and CVC2 Services, to display Step 1 - Review Card Status.

  4. Click Next to move to Step 2 - Review PIN Tries.

    Figure 33: Review PIN tries page.

  5. Choose what you want to reset from the options provided:

    • Online PIN to reset the Online PIN attempts

    • CVC2 to reset the CVC2 attempts

    • All to reset all PIN and CVC2 attempts

  6. Click Next to move to Step 3 - Review & Save.

  7. In the Notes field, add the reason for the PIN reset.

    This is required for audit purposes.

  8. Click X to close the notification and return to the Card Details.

6.7 Editing the Cardholder Details

You can edit the cardholder details and change the rules governing card acceptance methods using the Edit Card Details option. For example, you can prevent a card from being used on gambling sites by disallowing a specific Merchant Category Code (MCC).

For information about configuring fees and payment tokens using the Fees and Payment Tokens tabs, read Viewing card fees and fee settings and Viewing payment tokens.

You can also update the cardholder details with the Cards REST API endpoint, Update Card and the Web Services SOAP API, Ws_Update_Cardholder_Details. For more information, read Updating Cardholder Details in the Cards API website and Update Cardholder Details (V1) in the Web Services Guide.

To edit card details:

  1. Search for a Card from the home page, or alternatively specify additional criteria to search for matching cards. For more information, see Searching for a Card.

    • If you have searched for the specific card token, Thredd Portal: Cards and Transaction Management displays the Card Details page.

    • If you have searched using additional criteria, Thredd Portal: Cards and Transaction Management displays a list of cards. In this case, select the required card to display the Card Details page.

  2. Click the Card Actions menu on the right of the page.

  3. From the Card Actions menu, select Edit Cardholder Details, to display Step 1 - Review and edit current cardholder details.

    Figure 34: Edit Cardholder Details - Step 1 - Review & edit current cardholder details

    For more information about the Cardholder Details, read Viewing Card Details.

  4. Click Next to move to Step 2 - Review edits to cardholder details & save.

  5. After reviewing your changes, click Save.

  6. Click X to close the notification and return to the Card Details.

6.8 Editing the Card Configurations

The different types of Card Acceptance Methods available in the form of Usage Groups are set up using Edit Card Configuration. For more information, read Appendix C: Usage Groups.

You can also edit the card configurations with the Cards REST API endpoint, List Card Control Groups and Update Card Control Groups, and the Web Services SOAP APIs, Ws_Card_Change_Cardacceptor_List and Ws_Card_Change_Groups. For more information, read Managing Card Usage Groups in the Cards API website and Card Change Acceptor List and Card Change Groups in the Web Services Guide.

To Edit the Card Configurations:

  1. Search for a Card from the home page, or alternatively specify additional criteria to search for matching cards. For more information, see Searching for a Card.

    • If you have searched for the specific card token, Thredd Portal: Cards and Transaction Management displays the Card Details page.

    • If you have searched using additional criteria, Thredd Portal: Cards and Transaction Management displays a list of cards. In this case, select the required card to display the Card Details page.

  2. Click the Card Actions menu on the right of the page.

    Figure 35: Card Actions menu

  3. From the Card Actions menu, select Edit Configurations, to display Step 1 - Review and edit current configurations details.

  4. Use the drop down menus to select the required card configuration. For information on the card configurations, see Appendix C - Usage Groups.

    Figure 36: Edit to Card Configurations - Step 1 - Review & edit current card configurations details

  5. Click Next to move to Step 2 - Review edits to card configurations details & save.

  6. After reviewing your changes, click Save.

  7. Click X to close the notification and return to the Card Details.

Balance Transfer

The Balance Transfer option enables you to transfer part or all of the balance on the card to another card.

To transfer the balance of the card:

  1. Search for a Card from the home page, or alternatively specify additional criteria to search for matching cards. For more information, see Searching for a Card.

    • If you have searched for the specific card token, Thredd Portal: Cards and Transaction Management displays the Card Details page.

    • If you have searched using additional criteria, Thredd Portal: Cards and Transaction Management displays a list of cards. In this case, select the required card to display the Card Details page.

  2. Click the Card Actions menu on the right of the page.

    Figure 37: Card Actions menu

  3. From the Card Actions menu, select Balance Transfer, to display Step 1 - Review Balances.

  4. Review the balance for the card and click Next.

  5. Enter the public token of the card you want to transfer the balance to in the Public Token field and click the Search button.

    Figure 38: Find Cardholder options

  6. Enter the amount you want to transfer to the selected card in the Amount field.

  7. Click Next.

  8. Review the transfer and add a reason for the transfer in the Notes field.

  9. Click Save.

    A window displays declaring the transfer is successful.

Change Expiry Date

The Change Expiry Date action enables you to change the expiry date of the card.

This change is only made to the Thredd Expiry Date.

To extend the expiry date of a card:

  1. Search for a Card from the home page, or alternatively specify additional criteria to search for matching cards. For more information, see Searching for a Card.

    • If you have searched for the specific card token, Thredd Portal: Cards and Transaction Management displays the Card Details page.

    • If you have searched using additional criteria, Thredd Portal: Cards and Transaction Management displays a list of cards. In this case, select the required card to display the Card Details page.

  2. Click the Card Actions menu on the right of the page.

    Figure 39: Card Actions menu

  3. From the Card Actions menu, select Extend Expiry Date, to display Step 1 - Review Card Expiry.

  4. Review the current expiry date of the card and click Next to display Step 2 - Extend Card Expiry Date

  5. Enter the new expiry date in the Extend Expiry Date To field.

    Figure 40: Change Expiry Date step

  6. Click Next to display Step 3 - Review & Save.

  7. Add a reason for the expiry date extention in the Notes field and click Save.

Remove a Card from PFD

You can remove a card from PFD (Payment Fraud Disruption) in the Transaction Summary screen. PFD is a service from Visa that functions as a blocklist to prevent a card from being processed in the event of a fraud attack. When an acquirer, issuer, or processor has implemented sufficient counter measures against the fraud attack, you can remove the card from PFD to ensure that it can be processed per normal on the Visa side. A button appears on the screen that allows you to remove the card from PFD under the following conditions:

  • The Card Scheme that processes the card is Visa.

  • The transaction type is Authorisation Advice (J MTID: 0120).

  • One of the following PFD STIP reason codes are associated with the block.

STIP/Switch Reason Code

Value

9212

Decline due to fraud condition.

9221

Decline due to PFD acquirer-specific ecosystem block.

9222

Decline due to PFD issuer-specific ecosystem block.

9223

Decline due to client tailored block-acquirer/merchant.

9224

Decline due to client tailored block-issuer .

9225

Decline due to ecosystem PFD fraud block (non-specific to issuer or acquirer).

9226

Decline due to PFD block for other risk factors (non-specific to issuer or acquirer).

The button appears (as inactivated) as soon as Thredd has made an initial request to remove the block on the card. However, after a 72 hour period, the button is activated and you can make the request to Visa. The 72 hour period exists to account for the implementation of any counter measures.

The removal of the card from PFD appears in the card history.

To remove a card from PFD:

  1. Click on an Authorisation Advice transaction where the button appears.

    Figure 41: Remove from PFD Option

  2. Click Remove from PFD. The Remove Public Token from PFD window displays.

    Figure 42: Notes for removing from PFD

  3. Enter any notes about removing the card from PFD in the Notes field.

  4. Click Send Remove from PFD to Visa.