diff --git a/changelog/network/2026/additions.mdx b/changelog/network/2026/additions.mdx index 12f7a73..ed90c80 100644 --- a/changelog/network/2026/additions.mdx +++ b/changelog/network/2026/additions.mdx @@ -47,9 +47,13 @@ Please note that access to some of these brands and payout types will be availab ## United States -| **Brand Name** | -| :------------- | -| Adam & Eve | +| **Brand Name** | +| :----------------------- | +| Adam & Eve | +| Visa Reload Card USD | +| Visa Reward Card 3M USD | +| Visa Reward Card 6M USD | +| Visa Reward Card 12M USD | ## United Kingdom @@ -157,7 +161,7 @@ Please note that access to some of these brands and payout types will be availab | :------------- | | Albert Heijn | -## United States +## United States | **Brand Name** | | :--------------------------- | @@ -189,7 +193,7 @@ Please note that access to some of these brands and payout types will be availab | :------------- | | Tinder | -## Portugal +## Portugal | **Brand Name** | | :------------- | @@ -207,13 +211,13 @@ Please note that access to some of these brands and payout types will be availab | Shoes & Sox | | Superdry | -## New Zealand +## New Zealand | **Brand Name** | | :------------- | | Jacqui E | -## France +## France | **Brand Name** | | :------------- | @@ -236,4 +240,4 @@ Please note that access to some of these brands and payout types will be availab | **Brand Name** | | :------------- | -| TJ Jones | \ No newline at end of file +| TJ Jones | diff --git a/docs.json b/docs.json index e413302..6da12c8 100644 --- a/docs.json +++ b/docs.json @@ -73,6 +73,14 @@ "features/pay-to-card/testing", "features/pay-to-card/support" ] + }, + { + "group": "Prepaid Visa Cards", + "icon": "credit-card", + "pages": [ + "features/prepaid-visa/introduction", + "features/prepaid-visa/support" + ] } ] }, diff --git a/features/prepaid-visa/introduction.mdx b/features/prepaid-visa/introduction.mdx new file mode 100644 index 0000000..057252f --- /dev/null +++ b/features/prepaid-visa/introduction.mdx @@ -0,0 +1,127 @@ +--- +title: "Using Prepaid Visa Cards" +description: "Send funds to recipients via instantly delivered, digital Visa prepaid cards." +icon: "credit-card" +--- + +Runa Prepaid Cards are instantly delivered, digital Visa prepaid cards that recipients can spend online or in-store anywhere Visa is accepted. They are sent through the same ordering flow as any other payout on the Runa Network. + +- **No bank account needed**: Perfect for users without access to traditional financial tools +- **Custom branding options**: Make every payout feel personal and on-brand with a fully customizable experience +- **Two prepaid options**: Enable both the Runa Reward Card and the Runa Reload Card for your business needs + + + To get access to Prepaid Visa Cards, please reach out to your Account Manager or + email support@runa.io. + + +## Card types + +| | Runa Reload Card | Runa Reward Card | +|---|---|---| +| **Type** | Reloadable | Single-load | +| **Expiry** | 47 months from first activation | 3, 6, or 12 months from first activation | +| **Product code** | `VISARL-USD` | `VISASL-3M-USD`, `VISASL-6M-USD`, `VISASL-12M-USD` | + + + For Reload Cards, recipients must use the same email address the card was originally sent to. Future top-ups will fail if a different email is used. + + +## Getting started + +- Ensure you have [created an API key](/getting-started/api-key). +- Ensure you have funded your account with the required balance to cover the cards you intend to issue. You can use the [balance endpoint](/reference/2024-02-05/endpoint/balance/get) to check your account balance. +- Retrieve the Prepaid Visa Card products using the [product list endpoint](/reference/2024-02-05/endpoint/products/list). Each Prepaid Visa Card product supports a different use case (reward or reload), and Reward Card products are available with different expiry durations. You can refer to the [product listing guide](/features/product-catalog) for more information on this endpoint. +- Familiarize yourself with the [ordering endpoint](/getting-started/first-order/sync). To make an order for a prepaid card you simply specify the Prepaid Visa Card product code you wish to issue. + +## Placing a Prepaid Visa Card order + +To place an order you simply specify the Prepaid Visa Card product code you wish to issue. + +For our example, we will be using the `VISASL-3M-USD` product code for a $10 Reward Card. The card will be sent to the recipient's email address via the `EMAIL` distribution method. + +```http title="Example Prepaid Visa Card order" icon="globe" expandable +POST https://api.runa.io/v2/order +Content-Type: application/json +X-Api-Key: + +{ + "payment_method": { + "type": "ACCOUNT_BALANCE", + "currency": "USD" + }, + "items": [ + { + "face_value": 10, + "distribution_method": { + "type": "EMAIL", + "email_address": "" + }, + "products": { + "type": "SINGLE", + "value": "VISASL-3M-USD" + } + } + ] +} +``` + +### Distribution methods + +In the example above we used the `EMAIL` distribution method to send the card to the recipient's email address. + +- You can also use the `PAYOUT_LINK` distribution method to receive a link in the API response and handle distribution yourself. + +## Reloading a Prepaid Visa Card + +For Reload Cards, you can use the `RECIPIENT` distribution method to enable automatic top-ups. Specify a unique `recipient_reference` to identify the recipient. For subsequent orders, use the same `recipient_reference` and we will automatically reload the existing card. + +```http title="Example Reload Card order" icon="globe" expandable +POST https://api.runa.io/v2/order +Content-Type: application/json +X-Api-Key: + +{ + "payment_method": { + "type": "ACCOUNT_BALANCE", + "currency": "USD" + }, + "items": [ + { + "face_value": 10, + "distribution_method": { + "type": "RECIPIENT", + "recipient_reference": "", + "email_address": "" + }, + "products": { + "type": "SINGLE", + "value": "VISARL-USD" + } + } + ] +} +``` + +Refer to the [order endpoint reference](/reference/2024-02-05/endpoint/orders/create) for more information on the request schema and other options available. + +## Recipient redemption experience + +### Reward Card + +When a recipient opens the payout link, they will immediately see their Visa card and card details. No authentication is required. + +Recipients can also view their transaction history, including balances, merchant details, and dates for each transaction. + +### Reload Card + +When a recipient opens the payout link for the first time, they will be guided through the following flow: + +1. Enter their email address to authenticate with Runa +2. Enter their first and last name +3. Set a card PIN +4. View their Visa card details and start spending anywhere Visa is accepted + +For subsequent reloads, the card will be automatically topped up with the payout amount. If the recipient wishes to see their card details again, the confirmation email will contain a link where the card details will be securely presented upon authentication. + +Recipients can also view their transaction history, including balances, merchant details, and dates for each transaction. diff --git a/features/prepaid-visa/support.mdx b/features/prepaid-visa/support.mdx new file mode 100644 index 0000000..90fc4c8 --- /dev/null +++ b/features/prepaid-visa/support.mdx @@ -0,0 +1,41 @@ +--- +title: "Support" +description: "Potential error scenarios for Prepaid Visa Cards and their resolution." +icon: "circle-info" +--- + +Below are potential error scenarios and their resolutions. + + +### Multiple Payments to Unactivated Card + +If a consumer receives multiple payment emails for the same reloadable card, but this card is not activated yet, each email must be opened to load its associated funds. + +- When the consumer clicks one link and activates the card, only that payment is loaded. +- To receive the full balance, they must also click the second link (the order doesn't matter). + + + Each payment is attached to its own activation link. The card must first be activated before any funds are loaded. + + +### Add to Wallet + +Recipients can add their card to a mobile wallet (Apple Pay, Google Pay, or Samsung Pay) by clicking the **Add to Wallet** button in the UI. A one-time verification code from the wallet provider is required as part of the card tokenisation step. + +- **Reward Cards**: The recipient will be asked to provide their email address and optionally their phone number to receive the verification code. +- **Reload Cards**: The email address from authentication is used by default. The recipient can optionally provide their phone number instead. + +### Reload Card — recipient using a different email + +Recipients must always authenticate with the same email address their Reload Card was originally sent to. Using a different email address will result in the recipient not seeing their funds. Ensure your recipients are aware they must use the same email address each time. + +### Insufficient funds + +Insufficient balance at order time. + +- If your account has insufficient balance you will be unable to create the order for the payment. The API responds with a 400 status code, the error message body will contain the type `insufficient_funds`. Check the [order endpoint reference](/reference/2024-02-05/endpoint/orders/create) for more information. + + +## All other issues + +Your point of contact for any other issues: [support@runa.io](mailto:support@runa.io) diff --git a/features/reloadable-prepaid-card.mdx b/features/reloadable-prepaid-card.mdx deleted file mode 100644 index d17f9b6..0000000 --- a/features/reloadable-prepaid-card.mdx +++ /dev/null @@ -1,133 +0,0 @@ ---- -title: "Reloadable Prepaid Cards" -description: "Reloadable Prepaid Cards are ideal for recurring payouts, global contractors, or any high-frequency use case where speed and ease matter." -icon: "credit-card" ---- - -Once a card is activated, you can reload it again and again - without re-registration, delays, or extra steps. That makes them ideal for recurring payouts, global contractors, or any high-frequency use case where speed and ease matter. - -Sending payouts with Runa is simple and straightforward. If you already have a Runa account, you can skip straight to sending your first payment. If you are new to Runa, you will need to [create an account to get started](https://app.runa.io/signup). - -Before you go live with Reloadable Prepaid Cards, you will need to sign updated T&Cs. Please reach out to your Account Manager or email [support@runa.io](mailto:support@runa.io) to complete this step. - -## 1️⃣ Getting started - -- Ensure you have [created an API key](/getting-started/api-key). -- Ensure you have funded your account with the required balance to cover the payments you intend to make. You can use the [balances endpoint](/features/balances) to check your account balance. -- Retrieve the Reloadable Prepaid Card products using the [product list endpoint](/reference/2024-02-05/endpoint/products/list). You can identify these products by the `payout_type` field, which will be set to `payment`. Each Reloadable Prepaid Card product supports a specific currency and country. You can refer to the [product listing guide](/features/product-catalog) for more information on this endpoint. -- Familiarize yourself with the [ordering endpoint](/getting-started/first-order/sync). To make an order for a payment you simply specify the Reloadable Prepaid Card product code for the currency and country you wish to send funds in. -- Place an order for a Reloadable Prepaid Card. You should use the `RECIPIENT` distribution method and specify a unique `recipient_reference` which will be used for subsequent payments to the same recipient. -- For subsequent payments simply specify the same `recipient_reference` to reload the existing card issued to the recipient. - -### Example Reloadable Prepaid Card order - -```json -{ - "payment_method": { - "type": "ACCOUNT_BALANCE", - "currency": "USD" - }, - "items": [ - { - "face_value": "5", - "products": { - "type": "SINGLE", - "value": "VISA-RE-US" - }, - "distribution_method": { - "type": "RECIPIENT", - "recipient_reference": "random-recipient-id", - "email_address": "recipient_email@runa.io" - } - } - ] -} -``` - -To make a second payment to the same recipient you should make a very similar order ensuring you use the same `recipient_reference`. We use this identifier to match the payment to the existing recipient. All other details in the order can be the same. - -Refer to the [order endpoint reference](/reference/2024-02-05/endpoint/orders/create) for more information on the request schema and other options available. - -## 💳 Reloadable Prepaid Card redemption experience - - - - -When a recipient opens the payment, they will be guided through the following flow on their first redemption: - -1. Enter their email address to authenticate with Runa -2. Enter their email address to authenticate with our payment partner -3. Create a password -4. Verify their phone number -5. Add their name and billing address -6. The virtual card information will be shown to them, and they will be able to spend the funds where the Visa virtual card is accepted - -For a subsequent payment, the card will be automatically reloaded with the payout amount. If the recipient wishes to see their card details again, the confirmation email will contain a link where the card details will be securely presented upon authentication. - - - - -## 🛟 Support - -### 👤 User errors - -If there are any errors during our payment partner's experience, the user will be able to use the “Contact Us” button to contact their team. - -#### Multiple Payments to Unactivated Card - -If a consumer receives multiple payment emails for the same reloadable card, but this card is not activated yet, each email must be opened to load its associated funds. - -- When the consumer clicks one link and activates the card, only that payment is loaded. -- To receive the full balance, they must also click the second link (the order doesn't matter). - - - Each payment is attached to its own activation link. The card must first be - activated before any funds are loaded. - - -#### Issues with entering the recipient address - -Due to limitations on our payment partner's side, the country field in the recipient address can only be set to the United States (US). However, this does not mean that the recipient has to be based in the US, they can enter their home address while ignoring the country field (by setting it to US). - -### 🖥️ Order errors - -These are faults that will require your input to resolve - -#### Insufficient funds - -Insufficient balance at order time - -- If your account has insufficient balance you will be unable to create the order for the payment. The API response with a 400 status code, the error message body will contain the type `insufficient_funds`. Check the [order endpoint reference](/reference/2024-02-05/endpoint/orders/create) for more information. - -#### User ineligible - -Payments cannot be sent to anyone who appears on a sanctions list. - -- The user will see the error message: “There's been an unexpected issue, please contact the issuer of this link.” - -### ⚙ Processing errors - -#### In-journey errors - -1. Authentication error: Recipient hasn't received email with code - - The recipient will need to contact Runa for us to investigate what might have gone wrong with authentication. -2. Authentication error: The verification code that the recipient has received is not working. - - The recipient will need to contact Runa for us to investigate what might have gone wrong with authentication. -3. Fraud Suspected - - If fraud is suspected, we will hold on sending out the payout until we have established that the payment isn't fraudulent. During this time, we will either ask the end recipient to share additional information, or we will have to cancel the payment and inform you that it's been cancelled with a reason as to why. - -### All other issues - -Your point of contact for any other issues: [support@runa.io](mailto:support@runa.io)