The power chain
What is a card
The word card is the muddiest term on the platform. InComm and iQpay both use it, and they mean different things. Both meanings are correct. This page holds them side by side.
InComm's card: a customer
InComm's side has no card object. It tracks a customer, identified by two values:
| InComm value | In our database | Shape |
|---|---|---|
| ingenId | cards.AccountId | A six-digit number, for example 305684 |
| PAN (card number) | cards.Number | 19 digits, for example 6103 8040 0204 4903 045 |
- Each ingenId has exactly one PAN. Together they identify one InComm customer.
- Offers are clipped to the customer. Multiple offers can be clipped to the same customer at once, but they must be different offers. One customer can never hold two clips of the same offer at the same time. That is why recurring refills unclip before they re-clip.
- Per organization, a member keeps one ingenId. It stays the same while offers get clipped and unclipped over the months.
Telling InComm from Walmart at a glance
The card number alone tells you the issuer. Measured 2026-07-30 across all 376,000+ issuer-classified cards in production, with zero exceptions:
| Issuer | Length | Starts with | Example shape |
|---|---|---|---|
| InComm | 19 digits | 610380 (always 6103804002...) | 6103 8040 0204 4903 045 |
| Walmart | 16 digits | varies (6313..., 6317..., 6210..., and others) | 6317 90XX XXXX XXXX |
Count the digits: 19 means InComm, 16 means Walmart. The first six digits work just as well: every InComm card starts 610380, while Walmart cards open with varied prefixes (6313, 6317, 6210, and others) because their processor assigns them.
iQpay's card: one clip
From the portal's perspective, a card is created each time we clip an offer to an InComm customer. Each clip is saved as its own CardId.
CardId is the unique identifier of that pairing. Same member, same offer, next month: new CardId. Same member, different offer, same day: new CardId.
Verified in code: the card row is created when the order sends, and it becomes real money when the clip funds it. Recurring cycles create a new row each month that reuses the same wallet, PAN, and ingenId. One nuance: a repair re-clip of the same card (see FixCard) does not create a new CardId; only a new send does.
The wallet ties them together
The wallet is all iQpay cards that share one VerificationCode. One wallet maps to one InComm customer:
So when someone says "multiple cards are clipped to the same wallet" or "multiple offers are clipped to the same card", the background truth is the same sentence: multiple InComm offers are clipped to the same InComm customer (same ingenId, same PAN).
The number looks like an InComm number, but our platform generates it: prefix 6103804, then 002, then 8 random digits, then a Luhn check digit. InComm's own API is built this way. Create-customer takes the card number from us and returns the ingenId; InComm never sends us a card number. The 610380 range is fixed for our program; every individual number inside it comes from our code. Walmart cards are the exception: Walmart's processor supplies those numbers.
Card status fields
One iQpay card carries three independent status fields plus a type. Read all of them before you conclude anything about a card:
| Field | Values | Answers |
|---|---|---|
CustomerStatus | active · inactive · pending · scheduled · sent · expired · deleted · failed | Where is this card in its lifecycle? |
IssuerStatus | none · generated · person_updated · cvv2_ready · funded · suspended · disabled | What does the issuer side say? funded means money is on it. |
RedemptionStatus | Unredeemed · Partially Redeemed · Fully Redeemed | Has the member spent it? |
CardType | digital · physical | How it was delivered. Production is about 98% digital. |
Replacements for lost or damaged cards link back through ParentCardId on the new card row.
Expiration
A card carries two expiration dates. ExpirationDate is the internal one. ExternalExpirationDate is the member-facing one, copied from the order product's DateTo. Recurring monthly benefits produce a new card each cycle, so member-facing expiry is usually the end of the benefit month, not the end of the plastic.