# Charges

### Card i**ssuance charges**

We added an ability to post card issuance charges so that it can be applied to respective cardholder's account. This will be executed one time only for every new card that is issued.

It can be applied when:

1\) Personalized physical card is issued for the first time

2\) Personalized virtual card is issued for the first time

3\) Bulk card is linked to the user 

{% hint style="info" %}
 If card is replaced then issuance charges shall not be considered.
{% endhint %}

A cron job will be executed daily to retrieve charges in "PENDING" status and apply the charge amount to either the cardholder's or master's account, as per the configuration.

### Card replacement **charges**

We have added support of card replacement charges, so that it can be parked, when physical or virtual cards are replaced to cardholder.

New supported enums for 'charge\_type' are:

* PHYSICAL\_CARD\_REPLACEMENT 
* VIRTUAL\_CARD\_REPLACEMENT. 

{% hint style="info" %}
Card replacement charges work when 'application\_type' = INSTANT.
{% endhint %}

### Card activation **charges**

We have added the support of card activation charges. This new charge is applied to cardholder when a card is activated for the first time. This will be charged one-time only for every new card that is activated . For example, if two different cards are created for a user, then he will be charged for every card. 

New supported enum for 'charge\_type' is:

* CARD\_ACTIVATION\_CHARGES

{% hint style="info" %}

* The card activation charges function properly with application\_type = INSTANT.
* When a card is activated (i.e. status becomes ACTIVE/A0), the charge is debited from the cardholder’s account and the webhook event CHARGE\_APPLIED is triggered.
* Charges will continue to be deducted even if the account status is INACTIVE or SUSPENDED.
  {% endhint %}

### **Charges APIs** 

The below APIs are exposed in API Catalog:

* [Create charge](https://nymcard.com/docs/api#tag/Charges/operation/createCharges)
* [Update charge](https://nymcard.com/docs/api#tag/Charges/operation/updateCharges)
* [Get a specific charge](https://nymcard.com/docs/api#tag/Charges/operation/getCharges)
* [Get list of charges](https://nymcard.com/docs/api#tag/Charges/operation/listCharges)
* [Link charges to card product](https://nymcard.com/docs/api#tag/Card-Products/operation/linkCharges) (you can link multiple charges at once)
* [Unlink charges from card product](https://nymcard.com/docs/api#tag/Card-Products/operation/unlinkCharges) (you can unlink multiple charges at once)
* [Get list of charges related to card product](https://nymcard.com/docs/api#tag/Card-Products/operation/getCharges)

{% hint style="info" %}
Note, that supported enums for 'charge\_type' are "PHYSICAL\_CARD\_ISSUANCE", "VIRTUAL\_CARD\_ISSUANCE", "PHYSICAL\_CARD\_REPLACEMENT", "VIRTUAL\_CARD\_REPLACEMENT" and "DELIVERY".
{% endhint %}

### Webhooks

New [webhook](https://docs.nymcard.com/get-started/webhooks/webhooks-samples#charges-webhook) event/enum "CHARGE\_APPLIED" is addded. Below you can find webhook sample:

```
{
  "event": "CHARGE_APPLIED",
  "charge_applied": {
    "id": "0fcf8c07-ae35-4243-890d-0a39b2618578",
    "description": "charges dev 28",
    "currency": "AED",
    "amount": 2,
    "card_id": "f3bd66fd-80d5-4c7c-90e2-ac062c923ff0",
    "account_id": "f3bd66fd-80d5-4c7c-90e2-ac062c923ff0",
    "charge_id": "CHARGEAHSAN19",
    "charge_type": "PHYSICAL_CARD_ISSUANCE"
  }
}
```