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Cardholders represent the people who use cards issued through your organization. Each cardholder can have a saved payment method and multiple cards.

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Types

There are two types of cardholders:
TypeDescription
PersonalLinked 1:1 to a User account. Created automatically when an individual signs up for AgentCard.
Org-managedCreated by companies via the API. No User account needed — the organization manages the cardholder entirely.
Personal cardholders are for individual AgentCard users. Org-managed cardholders are for B2B use cases where your company issues cards on behalf of end-users.

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Relationship to payment methods and cards

Cardholder to payment method and card relationship
Each cardholder has a saved payment method. The flow works like this:
  1. Attach a payment method — Use the Setup Payment Method endpoint to create a Stripe Checkout session. Once the cardholder completes checkout, their payment method (credit or debit card) is saved.
  2. Create cards — When you create a card, a PaymentIntent hold is placed on the cardholder’s payment method for the card’s spend limit. No funds are moved upfront — the hold is only captured when the card is used.

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Properties

FieldTypeDescription
idstringUnique cardholder identifier
firstNamestringCardholder’s first name
lastNamestringCardholder’s last name
emailstringCardholder’s email address (optional)
dateOfBirthstringDate of birth in YYYY-MM-DD format
phoneNumberstringPhone number (optional)
stripeCardholderIdstringStripe Issuing cardholder ID
createdAtstringISO 8601 timestamp
updatedAtstringISO 8601 timestamp

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Creating a cardholder

Create org-managed cardholders with the Create Cardholder endpoint. firstName, lastName, and dateOfBirth are required.

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Setting up a payment method

Before a cardholder can have cards created for them, you need to attach a payment method using the Setup Payment Method endpoint. This creates a Stripe Checkout session — once the cardholder completes it, their payment method is saved. You can check if a payment method is attached with the Get Payment Method Status endpoint.