Cards

At this time, only institutions using PSCU card processing can allow users to replace cards, set travel notices, and view/copy card information. If your institution does not use PSCU, your users can only lock/unlock cards and customize card images. Limit increase is only available to institutions on the Symitar core.

Users can easily reduce the risk of potential fraud by locking or replacing the cards associated with their accounts. The Cards feature is available on web and mobile, and there are two ways Cards can be enabled in Narmi Banking:

• Card Network Integrations – Your financial institution relies on an integration with a major credit card network to enable this functionality, such as Mastercard. When controlling a card using this method, the result is immediate.

• Core Banking Systems – The card control functionality is built into the core banking system. The following cores have built-in card controls: Symxchange, Corelation, and Silverlake. When controlling a card using this method, the result may not be immediate if the core is in "memo mode" or there is a core outage.

Note: Users can lock, unlock, and set travel notices on ATM, debit, or credit cards. Users can only replace debit or credit cards (not ATM cards). Users can only request limit increases on debit cards (not ATM or credit cards) for institutions on the Symitar core.

In this article:

• Lock a Card

• Replace a Card

• Set a Travel Notice

• Request a Limit Increase

• Card Communications

• Custom Card Images

• View and Copy Card Information

Lock a Card

Users can only lock or unlock ATM, debit, or credit cards in an active state. Cards in a shipped state cannot be locked or unlocked.

To lock a card and instantly block card usage:

1. On the web app, select Tools > Cards, or under the name menu, select Settings > Cards.
   

   On the mobile app, select More > Cards.

   

2. On the page that appears, the user’s available cards display. On the web app, select Manage, and in the side panel that appears, select the Lock card toggle.
   On the mobile app, select a card, then Lock card.
   

   
   

   The card appears locked on the panel and cards list.
   

   
   To instantly unlock a card on the web app, from the Cards page, select Manage > Unlock card. On the mobile app, select More > Cards > select a card > Unlock card.

Replace a Card

Users can only replace debit or credit cards, not ATM cards.

To replace a card that has been stolen or damaged:

1. On the web app, select Tools > Cards, or under the name menu, select Settings > Cards. On the mobile app, select More > Cards.

2. On the page that appears, the user’s available cards display. On the web app, select Manage, and in the side panel that appears, select Replace card.
   On the mobile app, select a card, then Replace card.
   
   
   

3. Select one of the following options:

   1. My card was lost – We immediately cancel the lost card and issue a replacement with a new card number.

   2. My card was stolen – We immediately cancel the stolen card and issue a replacement with a new card number.

   3. My card was damaged – We issue a replacement card with a new number. The user can keep using the damaged card and must contact your institution to cancel the old card when the new card arrives. If it doesn’t arrive, the user can reorder the same card after 7 days.

   4. I never received my card – We immediately cancel the lost card and issue a replacement with a new card number.
      
      

4. If your financial institution requires two-factor authentication, the user must select a method to verify their identity and then select Continue.
   
   The user must enter the verification code they receive in the Verification code box and select Continue.
   
   

5. Once their identity is verified, a confirmation page confirms the new card details. Users must contact your institution if their mailing address is incorrect. Select Submit to finish.
   
   

6. A confirmation message appears. An email notification is automatically sent to the user. For more information, go to End-User Communications - Cards. The physical card will arrive in 5-7 business days.
   
   Lost, stolen, and never-received cards are immediately removed from the Cards page, and a new replacement card will eventually appear on the Cards page (this timing depends on the processor and the core; it will not be instant).
   

   
   For damaged cards, the active card remains on the Cards page and is marked as damaged. If the damaged card replacement doesn’t arrive, the user can reorder the same card after 7 days.
   

Set a Travel Notice

A travel notice on a debit or credit card notifies the card issuer about the cardholder’s upcoming travel plans. It ensures that a customer’s card transactions at their travel destination during specified dates are not flagged as fraudulent or suspicious, which could lead to a declined card.

The following conditions apply to travel notices:

• Users can only set travel notices on ATM, debit, or credit cards in an active state

• Only international notices are allowed at this time (not domestic)

• Only one travel notice (one date range) can be set at a time, but the notice can contain multiple destinations

• Only consumer users can set travel notices (not business users)

To set a travel notice:

1. On the web app, select Tools > Cards, or under the name menu, select Settings > Cards. On the mobile app, select More > Cards.

2. On the page that appears, the user’s available cards display. On the web app, select Manage, and in the side panel that appears, select Set travel notice.
   On the mobile app, select a card, then Set travel notice.
   

3. Select the travel Destination and Dates of travel. Multiple countries may be selected. Only one start date and one end date can be selected.

   
   

4. Select Submit. An email notification is automatically sent to the user. For more information, go to End-User Communications - Cards.
   To view the current travel notice, go to Cards > Manage > Set travel notice.

Delete a Travel Notice

To delete a travel notice:

1. On the web app, select Tools > Cards, or under the name menu, select Settings > Cards.
   On the mobile app, select More > Cards.

2. On the web app, select Manage, and in the side panel that appears, select Set travel notice.
   On the mobile app, select a card, then Set travel notice.

3. The current travel notice is shown. Select Delete.

   
   

4. On the confirmation dialog that appears, select Yes, delete.

   

Request a Limit Increase

Users can request a temporary limit increase on active debit cards only. Note: Limit increases are only available to institutions on the Symitar core.

Please contact your Narmi Relationship Manager to enable this feature and set maximum amount and frequency limits. The limit increase request will be automatically approved if it’s within your institution’s set amount and frequency limits. The limit increase expires at the end of the day the request was made.

To request a temporary limit increase:

1. On the web app, select Tools > Cards, or under the name menu, select Settings > Cards. On the mobile app, select More > Cards.

2. On the page that appears, the user’s available cards display. On the web app, select Manage, and in the side panel that appears, select Increase limit.
   On the mobile app, select a card, then Increase limit.

   
   

3. The user’s current Spending limit (daily) and ATM Withdrawal limit (daily) appear. Enter a new amount in the appropriate field(s). Select Submit.
   

   
   If your institution requires two-factor authentication, the user must select a method to verify their identity and then select Continue.
   
   
   The user must enter the verification code they receive in the Verification code box and select Continue.
   

   
   

4. A confirmation message appears. An email notification is automatically sent to the user. For more information, go to End-User Communications - Cards.

   

Card Communications

For details on the email notifications sent to users who replace a card, go to End-User Communications - Cards.

Custom Card Images

Your institution can customize the card images shown to users on the Cards page in Digital Banking.

To do this:

1. In Narmi Command, go to Configurations > Institution settings > Card image overrides > Add item.

2. Complete the following fields:

   1. Bin – The first six numbers of a card unique to your institution. This identifies which image shows for each card type.

   2. SVG – The Scalable Vector Graphics code for the card image. See SVG Guidelines below to ensure your image renders correctly.
      To get the SVG code:

      1. Use a tool to export the image to SVG file format, for example, Adobe Illustrator or Figma.

      2. Open the SVG image in a text editor to get the code, such as Notepad++ for Windows or TextEdit for Mac (Note: TextEdit must be in Plain Text mode to edit SVG files).

      3. Copy/paste the code into this SVG field in the Card image overrides setting.
         

   3. is_card_number_on_front – This is a legacy setting and not used for the current Cards feature

   4. card_text_color – This is a legacy setting; the current Cards feature only supports white text (#FFFFFF) by default

   5. Name – The name of the card that appears on the Cards page, for example, “Standard Rewards”
      

3. Scroll down to add a note about the change in the Note field, then select Save Changes.

SVG Guidelines

Follow these guidelines to ensure your image renders correctly in Digital Banking:

• Do not use a Visa or Mastercard logo (we already include this)

• Do not use an institution logo or text in the upper left or right corners

• The dominant background color must be accessible for white text (#FFFFFF). Use this contrast checker from WebAIM to check for color accessibility.

• Use a minimal pattern or low-contrast pattern that does not interfere with text legibility

An example of a card image that follows the above guidelines:

This is how that image appears once added to Digital Banking:

View and Copy Card Information

To reduce the risk of fraud or identity theft, we only display the last four digits of the user’s card number by default. Users have the option to temporarily view their complete card information, which provides a convenient way to make online purchases or add card information to other apps without having their physical card. This is particularly helpful when a user's card is still being shipped or needs replacement.

Note: Users cannot view or copy card information for locked cards.

To view the card number:

1. On the web app, select Tools > Cards, or under the name menu, select Settings > Cards. On the mobile app, select More > Cards.

2. On the page that appears, the user’s available cards display. On the web app, select Manage, and in the side panel that appears, select the eye icon on the card image.
   On the mobile app, select a card, then select the eye icon on the card image.

   
   If your institution requires two-factor authentication (2FA), your institution can choose to use verification codes or biometrics for 2FA when users view card information. Please contact your Narmi Relationship Manager to configure these options.

   Your institution can choose to enable 2FA for viewing card information. To do this, from the Narmi Command sidebar, select Configurations > Institution settings > Features Requiring Elevated Authentication > sensitive_card_info. Note: This is a high-risk setting. Please use caution when changing it.

   
   If selecting a verification method, choose Continue to proceed.
   
   
   The user must enter the verification code they receive in the Verification code box and select Continue.
   

3. The card number, expiration date, and CVV are revealed.

   

   
   On the web app, select the card number to copy it.
   
   

   On the mobile app, select the copy icon to copy the card number.

   

To hide the info, select the eye icon again or close the side panel.