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Account Template of Charge card

Account Templates contain predefined values for creating an account. When creating an account with an account template ID, the Accounts object inherits all values from the Account Template object first, before applying passed-in values. The Account Template API spec can be found here Some specific points regarding Account Template configuration for Charge card
  • grace_period - The number of days past the billing period to allow for payment before it is considered overdue. This directly infers the payment due date. This is a required field.
  • account_type - Use CHARGE_UNSECURED as account type for an unsecured charge account. This is a required field. 
 curl -X POST \
     -H 'Authorization: Bearer $apikey' \
     -H 'Content-Type: application/json' \
     -d '
     {
         "name": "Charge Card Template",
         "description": "An account template for Charge card accounts",
         "is_enabled": true,
         "application_type": "CREDIT",
         "template": {
             "account_type": "CHARGE_UNSECURED",
             "currency": "USD",
             "bank_country": "US",
             "grace_period": 21,
             "minimum_payment": {
                "type": "FULL"
            }
         }
     }' $baseurl/v0/accounts/templates

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Unsecured Charge card Account

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API fields

The Account API has certain fields that are specific to Line of Credit. These fields are:
Field NameDescriptionExample
account_typeFor Charge card, please set this field as CHARGE_UNSECUREDCHARGE_UNSECURED
application_idCharge cards require the customer application to be approved and accepted by the applicant (details). application_id is required for creating an unsecured charge card account.
credit_limitDefined in cents, the credit limit for this account.100000 (i.e., $1000)
Example Create an account of type CHARGE_UNSECURED (refer to the Accounts API spec, or the Accounts Guide) 
curl -X POST \
    -H 'Authorization: Bearer $apikey' \
    -H 'Content-Type: application/json' \
    -d '
    {
        "account_template_id": "{ACCOUNT_TEMPLATE_UUID}",
        "account_purpose": "Charge Card Account",
        "credit_limit": 100000,
        "application_id": "{APPLICATION_UUID}",
        "relationships": [
            {
                "relationship_type": "PRIMARY_ACCOUNT_HOLDER",
                "customer_id": "{CUSTOMER_UUID}"
            }
        ]
    }' $baseurl/v0/accounts
Sample response body 
{
  "access_status": "ACTIVE",
  "account_number": "790586668526",
  "account_purpose": "Charge Card Account",
  "account_type": "CHARGE_UNSECURED",
  "balance_ceiling": {
    "balance": 100000
  },
  "balances": [
    {
      "balance": 20000,
      "type": "ACCOUNT_BALANCE"
    },
    {
      "balance": 80000,
      "type": "AVAILABLE_BALANCE"
    }
  ],
  "bank_routing": "112233445",
  "creation_time": "2022-04-07T20:37:46.356692Z",
  "currency": "USD",
  "customer_ids": ["{CUSTOMER_UUID}"],
  "customer_type": "PERSONAL",
  "id": "3389aeac-0163-4479-8702-ff8572d39fe8",
  "is_account_pool": false,
  "last_updated_time": "2022-04-07T20:37:46.356692Z",
  "status": "ACTIVE",
  "is_ach_enabled": true,
  "is_card_enabled": true,
  "is_p2p_enabled": true,
  "minimum_payment": {
    "type": "FULL"
  },
  "application_id": "{APPLICATION_UUID}",
  "metadata": {},
  "grace_period": 21
}