Card State Model

FINCI separates card stage from card status.

That distinction is important for a correct internal model and transaction-handling logic.

Card stage

Card stage describes the physical fulfillment state of the card.

It should be treated only as a physical card ordering and delivery indicator.

Supported values and meanings:

• digital The card is not currently in a physical delivery stage.
• plastic_not_delivered A physical card has been ordered but has not yet been delivered.
• plastic_delivered The physical card has been delivered to the cardholder.

Card stage does not determine whether the card can transact.

Card status

Card status describes whether and how the card can be used operationally.

• new Card exists but is not yet activated for transactions.
• active Card can be used for transactions.
• blocked Card is temporarily restricted.
• closed Card has been permanently closed.
• compromized Card is suspected of compromise. The API uses the enum value compromized.
• damaged Card is physically damaged.
• deactivated Card has been manually disabled.
• lost Card has been reported lost.
• referral A transaction or use case requires additional review.
• stolen Card has been reported stolen.

Modeling guidance

The integrator platform should model:

• stage as a fulfillment concept
• status as an operational control concept

A physical card can move through stage changes without changing its allowed usage model. A status change, however, may directly affect transaction approval outcomes.