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A card holder is one person in one organization whose card transactions you want in your EMS. You create the record via API. OpenCard links it to a real person (identity) and, once identified, starts delivering that person’s card events to the organization’s webhook. You set reference_id to your internal user ID — it appears on every transaction webhook for that person.

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What it represents

A card holder is not the physical card. Cards are managed by the card issuer and appear on the identity once the TPA is activated.

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When transactions start

On identification, OpenCard replays transaction states since the latest card invoice for that person’s cards, then continues in real time. → Card holder onboarding

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Key fields

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Webhook signal

Subscribe to card_holder.identified — that is when you should expect transactions (including any retroactive batch) for that person.
→ Card holder onboarding — paths and API · Current card issuer integration