14 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 62: Card Actions menu

14.1 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.

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

  4. Click Activate.

    A window displays to confirm the activation of the card.

14.2 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.

  3. From the Card Actions menu, select Balance Adjustment to display the Adjustments window.

  4. Select the type of adjustment from the Adjustment Type field. Select Available Balance to adjust the Available Balance, or Blocked Amount to adjust the amount blocked for the card.

  5. Specify Credit or Debit and the Adjustment Amount.

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

  6. Click Next to review the changes.

  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 Save to save the changes.

14.3 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.

  3. From the Card Actions menu, select Card Load/Unload.

  4. Choose Load from the drop-down field and click Next.

  5. Specify the amount you want to load onto the card in the Adjustment Amount field.

  6. Click Next.

  7. Review the new amount and in the Notes field, add the reason for the card load.

    This is required for audit purposes.

  8. Click Save to save the changes.

14.4 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.

  3. From the Card Actions menu, select Card Load/Unload.

  4. Choose Unload from the drop-down field and click Next.

  5. Specify the amount you want to unload from the card in the Adjustment Amount field.

  6. Click Next.

  7. Review the new amount and in the Notes field, add the reason for the card unload.

    Adding a note on the card status is required for audit purposes.

  8. Click Save to save the changes.

14.5 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.

  3. From the Card Actions menu, select Change Card Status.

  4. Select a new card status from the Card Status in the Change Card Status to field.

  5. Click Next.

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

    Adding a note on the card status is required for audit purposes.

  7. Click Save.


  • 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.

14.6 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.

  3. From the Card Actions menu, select PIN and CVC2 Services.

  4. 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

  5. Click Next.

  6. In the Notes field, add the reason for the PIN/CVC2 reset.

    This is required for audit purposes.

  7. Click Save.

14.7 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).

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.

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

  4. Use the fields provided to edit the details of the cardholder.

  5. Click Next.

  6. After reviewing your changes, click Save.

  7. In the Notes field, add the reason for the cardholder details being updated.

    This is required for audit purposes.

  8. Click Save.

14.8 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.

  3. From the Card Actions menu, select Edit Configurations.

  4. Use the fields to update the card configuration as required. For information on the card configurations, see Appendix C - Usage Groups.

  5. Click Next.

  6. In the Notes field, add the reason for the cardholder details being updated.

    This is required for audit purposes.

  7. After reviewing your changes, click Save.

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.

  3. From the Card Actions menu, select Balance Transfer.

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

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

  6. Click Next.

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

  8. 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 change 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.

  3. From the Card Actions menu, select Change Expiry Date.

  4. Enter the new expiry date in the Change Expiry Date To field.

  5. Click Next.

  6. Add a reason for the expiry date extension 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.

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

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

  4. Click Send Remove from PFD to Visa.