What This Section Covers
API workflows for connecting to a user’s credit cards — card discovery, brand enrichment, transaction streaming, and tokenization for checkout and card-on-file experiences.Example Use Cases
- Payment processors that tokenize linked cards for checkout and recurring billing
- E-commerce platforms that enable card-on-file and one-click pay with existing credit cards
- Loyalty and rewards apps that link cards for offer activation and transaction-based rewards
- BNPL providers that connect existing cards for repayment or split-pay flows
- Expense management tools that stream transactions and categorize spend across employee cards
How Method Enables End-to-End Commerce
Every commerce integration follows the same high-level journey: connect the user’s credit cards, enrich them with brand and transaction data, and enable action through tokenization or checkout.| Stage | What Happens | Method Products |
|---|---|---|
| Connect | Discover the user’s credit cards via soft-pull credit report | Entity, Identity Verification, Connect |
| Link | Retrieve card product names, card art, issuer, and network details | Card Brand |
| Checkout | Tokenize card credentials for checkout, card-on-file, or network tokens | Payment Instruments, Sensitive |
| Track | Stream real-time transactions and subscribe to card product changes | Subscriptions |
Two Integration Paths
- Embedded UI (Opal)
- API-Only
Use Opal Card Connect for identity verification and card discovery, then call the API for card brand enrichment, payment instruments, and transactions.Opal handles the sensitive card entry and verification UI, so you never need to touch raw card data or maintain PCI compliance.
Get Started
Getting Started
The 3-step setup: create an entity, verify identity, and connect credit cards.
Card Linking & Checkout
Card brand enrichment, payment instruments, tokenization, and card-on-file flows.
Expense Tracking
Transaction streaming, spend management, and manual card entry for unsupported networks.