Individual Accounts — list of endpoints

Every endpoint in the Individual Accounts section of the API Reference →. Click any row to open the full reference page with payload, examples, and the Try it widget.

Account lifecycle

Method	Endpoint	What it does
GET	/individual/accounts	Full list of every individual owned by the partner. Includes a count; no pagination.
POST	/individual/accounts	Onboard a new partner-owned individual. Returns 201 with the new individualId.
GET	/individual/accounts/{id}	Single individual details. Returns 404 when the id is not owned by the calling partner.

Cards under an individual

Method	Endpoint	What it does
GET	/individual/accounts/{id}/cards	Full list of active cards for that individual. Includes a count; no pagination.
POST	/individual/accounts/{id}/cards/virtual	Issue a virtual card under the individual.
POST	/individual/accounts/{id}/cards/physical	Issue a physical card under the individual. Requires a deliveryMethod._id from GET /fees/delivery-methods.
POST	/individual/accounts/{id}/cards/prepaid/virtual	Request a prepaid virtual card (R008). The card is created in the background, in about 2-3 minutes. See the Prepaid cards guide.
POST	/individual/accounts/{id}/cards/prepaid/physical	Request a prepaid physical card (R007). The fees are blocked on the main account first. The card is created in the background. See the Prepaid cards guide.
GET	/individual/accounts/{id}/cards/prepaid	List the prepaid card requests of the individual and where each one is.
GET	/individual/accounts/{id}/cards/prepaid/{requestId}	Where one prepaid card request is (status, isFinished, cardKey).

Balances

Method	Endpoint	What it does
GET	/individual/accounts/{id}/balances	Live availableBalance per IBAN linked to this individual. Per-IBAN failures appear as status: "error".

Audit & history

Method	Endpoint	What it does
GET	/individual/accounts/{id}/logs/audit	Paginated audit logs. Default: page=1, limit=50. No enforced maximum limit value currently.
GET	/individual/accounts/{id}/logs/card-status-history	Paginated card-status history across this individual's cards. Default: page=1, limit=50.
GET	/individual/accounts/{id}/transactions	Paginated transactions for the individual. Default: page=1, limit=10. No enforced max limit currently.

Pagination and full-result behavior

• Full-list endpoints (GET /individual/accounts, GET /individual/accounts/{id}/cards) return the complete matching result set in one response and may include a count field. No page/limit parameters are accepted.
• Paginated endpoints (audit logs, card-status history, transactions) default to page=1, limit=50 (audit/history) or limit=10 (transactions).
• There is currently no enforced maximum limit value in the Partner API — you can pass ?limit=3000 directly.
• Async endpoints (POST /individual/accounts) return synchronously: the new individualId is returned as soon as the record is created. There is no PayNovus approval step on this flow (different from B2B cardholder creation).

Looking for B2B cardholders?

A B2B cardholder is the same IndividualOnboarding shape, just linked to one of your tenants. The B2B cardholder creation is PayNovus-approval-gated (returns 202 PENDING) and lives under POST /business/accounts/{b2bAccountId}/cardholders. See Business Accounts (B2B) →.