--- title: "Tighten or freeze an agent card" method: PATCH path: "/agents/me/cards/{cardId}" tags: ["Agent Operations"] --- # Tighten or freeze an agent card `PATCH /agents/me/cards/{cardId}` ## Request - Base URL: `https://api.lightspark.com/grid/2025-10-13` - URL: `https://api.lightspark.com/grid/2025-10-13/agents/me/cards/{cardId}` - Auth: HTTP bearer Tighten a card's merchant categories, or freeze it. An agent can never loosen a card or unfreeze it; the platform does that with `PATCH /cards/{id}`. Requires the MANAGE_CARDS permission. ## Request body - AgentCardUpdateRequest: Update request for `PATCH /agents/me/cards/{cardId}`. At least one field must be supplied. An agent may freeze the card or tighten merchant categories: `blockedMccs` must contain every code in the card's `effectiveBlockedMccs`, and `allowedMccs` may only lose codes once set. The only status an agent may set is `FROZEN`; unfreezing and loosening happen on the platform through `PATCH /cards/{id}`. The platform manages card velocity limits through `/card-velocity-limits`. - `status` 'FROZEN': Freeze the card. New authorizations are declined. - `allowedMccs` string[]: Merchant category codes the card may spend at. Once set, a replacement must be a subset of the current list. - `blockedMccs` string[]: Merchant category codes the card declines. A replacement must contain every code in the card's `effectiveBlockedMccs`, so an agent can never lift a block, Grid's default agent blocks included. ## Response `200` Card updated - AgentCard: A card that belongs to the authenticated agent: the card itself and how the agent may use it. - `card` Card, required - `id` string, required: System-generated unique card identifier - `customerId` string, required: The id of the `Customer` who holds this card. - `platformCardId` string: Platform-specific card identifier generated by the server. - `status` 'PENDING_KYC' | 'PROCESSING' | 'PENDING_AUTH' | 'ACTIVE' | 'FROZEN' | 'CLOSED', required: Lifecycle status of a card. | Status | Description | |-------|-------------| | `PENDING_KYC` | The cardholder has not yet completed KYC. Cards in this status cannot transact. | | `PROCESSING` | The card has been requested and is being provisioned with the issuer. | | `PENDING_AUTH` | The issuer has provisioned the card, but its USDB Embedded Wallet funding source lacks an active delegated signing key. Complete `POST /auth/delegated-keys` before using the card. | | `ACTIVE` | The card is live and can authorize transactions. | | `FROZEN` | The card is temporarily disabled by the platform or by Grid. New authorizations are declined with `cardDeclinedReason: CARD_NOT_ACTIVE`. Existing settlements and refunds continue to reconcile. A card Grid froze for review, or one frozen as `COMPROMISED`, cannot be unfrozen by the platform. | | `CLOSED` | The card is permanently closed. Terminal, irreversible status. | - `statusReason` 'DELEGATION_REQUIRED' | 'ISSUER_REJECTED' | 'CLOSED_BY_PLATFORM' | 'CLOSED_BY_GRID': Reason a card reached a terminal or non-active status. Present on `PENDING_AUTH` and `CLOSED` cards, and on cards that fail provisioning before reaching `ACTIVE`. | Reason | Description | |--------|-------------| | `DELEGATION_REQUIRED` | The card funding source has no usable delegated signing key. Present while the card is `PENDING_AUTH`. | | `ISSUER_REJECTED` | The card issuer rejected provisioning during `PROCESSING`. | | `CLOSED_BY_PLATFORM` | The card was closed via `PATCH /cards/{id}` (`status: CLOSED`) by the platform. | | `CLOSED_BY_GRID` | The card was closed by Grid (e.g. compliance or risk action). | - `brand` 'VISA' | 'MASTERCARD': Card network brand. Read-only — determined by Grid when the card is provisioned with the issuer. - `form` 'VIRTUAL', required: Physical form factor of the card. Only `VIRTUAL` is supported in v1; `PHYSICAL` will be added in a later release. - `pinStatus` 'NOT_SET' | 'OK' | 'BLOCKED': State of the card's PIN. On the Card resource, this is the last known status and is present whenever PIN management is supported. An absent value means PIN management is unavailable for this card; it does not mean `NOT_SET`. Use `GET /cards/{id}` to retrieve `pinStatus`. | Status | Description | |--------|-------------| | `NOT_SET` | No PIN has been set on the card. PIN verification is not enabled. Set one with `POST /cards/{id}/set-pin` or the hosted form returned by `GET /cards/{id}/pin-entry-url`. | | `OK` | A PIN is set and usable. | | `BLOCKED` | The PIN was entered incorrectly three consecutive times and is refused until cleared with `POST /cards/{id}/pin/unblock`, or replaced with `POST /cards/{id}/set-pin`. | - `pinUnblockAvailableAt` string, date-time: Earliest time another PIN unblock attempt is allowed. Absent until the unblock allowance is used. Changing the PIN does not reset this time. - `last4` string: Last four digits of the card PAN. - `expMonth` integer: Card expiration month (1–12). - `expYear` integer: Card expiration year (four digits). - `fundingSource` string, required: Internal account id that funds this card. - `cardCapabilities` CardCapabilities: Actions supported by the card program associated with this resource. - `supportsVelocityLimits` boolean, required: Whether this card program supports platform-managed limits through `/card-velocity-limits`. Supported where Grid makes authorization decisions; false where the issuer makes them. Amounts use the card's currency, regardless of its funding source. - `supports3dSecurePassword` boolean, required: Whether cards in this program accept a caller-supplied `threeDSecurePassword`. - `supportsPanReveal` boolean, required: Whether cards in this program can be revealed through `POST /cards/{id}/reveal`. - `supportsDigitalWalletTokenization` boolean, required: Whether cards in this program can be added to Apple Pay, Google Pay, or Samsung Pay from your app through `POST /cards/{id}/tokenize`. Manual entry into a wallet works regardless of this flag. - `maxNetworkRiskScore` integer, nullable: Maximum normalized network risk score allowed for real-time card authorizations. Scores range from 0 (lowest risk) to 999 (highest risk). Visa scores are normalized by multiplying the raw 0–99 score by 10. Scores equal to the ceiling are allowed. Authorizations without a score are also allowed. The lowest configured card or platform ceiling applies. Null means no card-specific ceiling. Platform controls still apply. - `allowedMccs` string[]: Merchant category codes the card may spend at. Present only on a card issued for an agent; absent when that card may spend at any category not blocked. - `blockedMccs` string[]: Merchant category codes a card issued for an agent declines, with `cardDeclinedReason: BLOCKED`. Present only on such a card, which also declines Grid's default agent categories unless `defaultMccBlocksLifted` is true. - `agentId` string: The agent the card was issued for, when there is one. - `defaultMccBlocksLifted` boolean: Whether the platform lifted Grid's default agent merchant-category blocks on this card. Present only for a card issued for an agent. - `currency` string: Currency the card transacts in, fixed at issuance by its card program. USDB-funded cards transact in USD, with funding converted at 1 USDB = 1 USD. Spending limits use the smallest unit of the card's currency (USD cents for USDB-funded cards). Changing the funding source does not change the card's currency or spending-limit units. - `processorRef` string: Opaque processor-side reference for the card (e.g. the Lithic card token). Useful for cross-referencing in the processor's dashboards; not used for any Grid request routing. - `issuerRef` string: Opaque identifier for the card on the issuer of record (e.g. the Lead Bank account/card identifier). Useful for cross-referencing in issuer dashboards; not used for any Grid request routing. - `createdAt` string, date-time, required: Creation timestamp - `updatedAt` string, date-time, required: Last update timestamp - `agentId` string, required: The agent the card belongs to. - `agentCardKind` 'STANDARD' | 'PURCHASE', required: How an agent card is used and funded. | Kind | Description | |------|-------------| | `STANDARD` | A card issued for the agent, by the platform with `POST /cards` or by the agent with `POST /agents/me/cards`. The customer holds the card details and its spend comes from the customer's account; that spend counts against the agent's policy limits as the agent's sends do. The agent can read the card, tighten its merchant categories, and freeze it. | | `PURCHASE` | A single-use virtual card the agent issued for one online purchase with `POST /agents/me/cards`. It is funded from the customer's Embedded Wallet, its spend counts against the agent's policy limits, and it closes after its first approved authorization or when it expires unused. A recurring purchase card (`purchase.recurring`) is instead locked to the first merchant that charges it, may be charged there again up to its monthly limit, and stays open until it is closed. The agent reads its number, expiry and CVV through `POST /agents/me/cards/{cardId}/reveal`. | - `effectiveBlockedMccs` string[], required: Every merchant category code the card declines: `blockedMccs` plus the categories Grid blocks for agent cards, unless the platform lifted those defaults (`defaultMccBlocksLifted`). - `purchase` AgentPurchaseCardDetails: The purchase a `PURCHASE` card was requested for. The card's issuer-enforced limit is `spendLimit`: the purchase amount plus an allowance for tax and shipping, or for a recurring card the amount itself, over any trailing month. - `amount` integer, required: The purchase amount the agent asked for, in the smallest unit of `currency`. - `spendLimit` integer, required: The most the card can be charged in its one purchase, in the smallest unit of `currency`: `amount` plus an allowance for tax and shipping of 15% of `amount`, at most 1000 (USD 10.00). For a recurring card it is `amount`, and it caps what the card can be charged in any trailing month: from a charge back to the same date a month earlier. The card issuer declines a charge above it, and it is the amount checked against the agent's policy when the card is requested. - `currency` string, required: ISO 4217 code of the purchase currency. Known values: `USD`. Treat an unrecognized value as a currency you cannot display rather than an error. - `description` string: What the agent said the card is for, such as the merchant and item. Shown to the customer when they approve the card. Supplied by the agent and not verified by Grid. - `fundingSource` string, required: The customer's Embedded Wallet internal account that pays for the purchase. - `recurring` boolean: Whether the card is a recurring purchase card: locked to the first merchant that charges it and reusable there, up to `spendLimit` each trailing month, until it is closed. Absent or `false` for a single-use card. - `expiresAt` string, date-time: When Grid closes the card if it has not been used. Present once a single-use card is issued; a recurring card has none. ## Other responses - `400`: Bad request - A change would loosen the card, or the card is closed - `401`: Unauthorized - `403`: Forbidden - Agents API or agent cards are not enabled for the platform, the agent does not have the MANAGE_CARDS permission, or the customer is not verified - `404`: Card not found - `500`: Internal service error ## Changes > 115 revisions in range; 2 not diffed. - **2026-11-02** `e3a3f79a161f`: 1 info - added the optional property `purchase/recurring` to the response with the `200` status - **2026-10-28** `d996ddfb9d2b`: 5 info - added the optional property `details/missingFields` to the response with the `400` status - added the optional property `details/permission` to the response with the `403` status - added the optional property `details/policyDenialReason` to the response with the `403` status - added the optional property `details/refusalReason` to the response with the `400` status - …1 more - **2026-10-28** `5abf2bb56bcb`: 1 warning - added the new `CORRIDOR_UNDER_MAINTENANCE` enum value to the `code` response property for the response status `403` - **2026-10-27** `5fbda612feb8`: 6 breaking, 3 warning, 1 info - removed the required property `card/cardCapabilities/supportsSpendLimits` from the response with the `200` status - removed the required property `card/cardCapabilities/supportsSpendLimitsAtIssuance` from the response with the `200` status - removed the required property `card/cardCapabilities/supportsTransactionCountLimit` from the response with the `200` status - removed the required property `card/maxSpendPerDay` from the response with the `200` status - …6 more - …earlier changes not shown [Operation history](https://skmtc.dev/lightsparkdev/apis/grid-api/changes/agents/me/cards/:cardId/patch.md) --- [API](https://skmtc.dev/lightsparkdev/apis/grid-api.md) - [All operations](https://skmtc.dev/lightsparkdev/apis/grid-api/llms.txt) - [OpenAPI document](https://skmtc.dev/lightsparkdev/apis/grid-api/revisions/7a1db46ec552?raw)