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This API is for EMS integrators. You manage clients, legal signing, card holders, and webhooks. Transaction data arrives via webhooks, not by polling.

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Base URL

EnvironmentURL
Productionhttps://api.opencard.io/api/v1/application
Sandboxhttps://sandbox-api.opencard.io/api/v1/application

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What’s included

AreaEndpoints
AccountGet/update your account
OAuth ClientsCreate API credentials
Public RecordsCompany lookup before TPA
TPAs + SignatoriesLegal authorization flow
IdentitiesList people for instant card holder onboarding
OrganizationsYour end-clients
Card HoldersOnboard employees (email or identity_id)
WebhooksReceive transaction events
Receipt ScannerOCR photo receipts

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What’s NOT here

  • /me — end-user profile API (not for EMS integration)
  • /transactions query — use webhooks instead
  • Admin endpoints (global users, logs, statistics, etc.)

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Auth

POST https://api.opencard.io/oauth/token
→ Bearer token on all requests
See Authentication.

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Typical flow

  1. POST /accounts/{id}/tpas + signatories
  2. POST /accounts/{id}/organizations
  3. POST .../webhooks
  4. POST .../cardholders
  5. Receive card.transaction.* on your webhook URL
Full walkthrough → Quickstart