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OnlineCheckWriter

Complete payment processing suite - checks, ACH, wire transfers, virtual cards, and document mailing

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Overview

The node provides functionality to create virtual payment cards through an online payment processing service. Specifically, the "Create Virtual Card" operation under the "Payment" resource allows users to generate virtual cards that can be used for controlled spending, either as single-use or multi-use cards.

This is beneficial in scenarios such as:

  • Issuing a one-time virtual card for a specific purchase or vendor, limiting exposure and fraud risk.
  • Creating reusable virtual cards with spending limits for ongoing subscriptions or employee expenses.
  • Restricting card usage by merchant category or setting daily/monthly/transaction limits to control spending behavior.

Practical examples include:

  • Generating a single-use virtual card to pay a freelancer or contractor once.
  • Creating a multi-use virtual card with a monthly limit for team travel expenses.
  • Setting merchant category restrictions to allow spending only on online services or groceries.

Properties

Name Meaning
Card Type Whether the virtual card is single-use (one-time use with a $1.00 fee) or multi-use (reusable up to a set limit with a $2.00 fee). Options: Single Use, Multi Use.
Amount/Limit The maximum amount in USD that can be charged to this virtual card. Must be at least 1.00 USD.
Cardholder Name The name that will appear on the virtual card (e.g., "John Smith").
Additional Options A collection of optional settings to further customize the virtual card:
- Daily Limit Daily spending limit in USD. Set to 0 for no limit.
- Expiry Date Custom expiration date/time for the card. Defaults to 30 days from creation if not specified.
- Merchant Category Restricts card usage to specific merchant categories. Options include Airlines, All Categories, Car Rental, Gas Stations, Grocery Stores, Hotels, Online Services, Restaurants, Retail, Travel. Default is All Categories.
- Monthly Limit Monthly spending limit in USD. Set to 0 for no limit.
- Notes Internal notes about the virtual card, e.g., purpose or vendor details.
- Transaction Limit Maximum allowed amount per transaction in USD. Set to 0 for no limit.

Output

The node outputs JSON data representing the created virtual card's details. This typically includes information such as:

  • Card number
  • Expiration date
  • CVV/security code
  • Cardholder name
  • Limits and restrictions applied
  • Status of the card creation request

If the node supports binary data output (not explicitly shown here), it would likely relate to downloadable card documents or related files, but this is not indicated in the provided source.

Dependencies

  • Requires an API key credential for authenticating with the online payment processing service.
  • The node depends on internal action modules handling payment operations.
  • No additional environment variables are explicitly required beyond the API authentication setup.

Troubleshooting

  • Common Issues:

    • Invalid or missing API credentials will cause authentication failures.
    • Providing invalid values for monetary fields (e.g., negative amounts, zero where minimum is 1) will result in validation errors.
    • Incorrect date formats for expiry date may cause request rejection.
    • Selecting unsupported merchant categories or mismatched options could lead to errors.

  • Error Messages:

    • "Unknown resource": Occurs if an unsupported resource is selected; ensure "payment" is chosen for virtual card operations.
    • Validation errors indicating missing required parameters like card type, amount, or cardholder name.
    • API error messages returned from the payment service, which should be reviewed for specifics such as limit violations or invalid card configurations.

To resolve issues, verify all required properties are correctly set, ensure valid API credentials, and confirm that optional parameters conform to expected formats and constraints.

Links and References

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