How does Card personalisation work?

Card personalisation is the second step in the two-fold process to create physical cards

In order to start this process, a physical card request has to be submitted. When this is done, the base cards created during the card manufacturing process are personalized with the account details pertaining to the card holders.


In addition, all the chip profile elements are programmed into the chip. To set this process up, a configuration profile needs to be defined together with the merchant and the manufacturing partner.


The configuration profile consist of multiple elements: 

Carrier design ID

the piece of paper/packaging to which the card is attached

Insert design ID

An insert is any additional material shipped together with the carrier (e.g. marketing material)

Envelope design ID

The envelope into which the carrier and PIN mailer are inserted

PIN mailer design ID

The letter on which the PIN is printed

Activation label design ID

A label attached to the card containing activation instructions

Shipment type

Identifies the type of shipment, bulk (B) or cardholder (C) and the logistics company handling the shipment

Bulk shipment address

Up to five address lines used for bulk shipment

Application language preference

Up to four languages in order of preference

Application currency code

chosen currency of the card

Issuer country code

Country from where the card is issued

Lower/Upper Cumulative Offline Transaction Amount

Accumulator used to determine whether the tx can be authorized offline

Lower/Upper Consecutive Offline Limit

Counter used to determine whether the tx can be authorized offline

Embossing line 2

The 2nd embossing line to be printed onto the card in addition to the cardholder name

Logo/image reference

The reference of a logo/image to be printed on the card or carrier

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