# VIRTUAL CARDS

- [Cards Overview](https://padiwise.gitbook.io/padiwise/virtual-cards/overview.md): A card is a payment instrument that enables users to conduct transactions at merchant locations.
- [Exchange Rate](https://padiwise.gitbook.io/padiwise/virtual-cards/exchange-rate.md): Returns the current exchange rate used for card transactions, Returns the exchange rate between two currency pairs. Currently supports USDNGN only.
- [Create Virtual Card](https://padiwise.gitbook.io/padiwise/virtual-cards/create-virtual-card.md): Creates a new USD-denominated virtual card for the authenticated business user. The card can be used for online transactions such as subscriptions, shopping, or services that accept USD cards.
- [Get Cards](https://padiwise.gitbook.io/padiwise/virtual-cards/get-cards.md): Use this endpoint when building a wallet interface where the user needs to view all their existing cards.
- [Get Card Details](https://padiwise.gitbook.io/padiwise/virtual-cards/get-card-details.md): Sensitive fields like card number and CVV are returned securely for one-time use. Never cache or store these details on the client.
- [Get Card Transactions](https://padiwise.gitbook.io/padiwise/virtual-cards/get-card-transactions.md): Fetches all transactions of the specified cards according to the query parameters.
- [Fund Card](https://padiwise.gitbook.io/padiwise/virtual-cards/fund-card.md): This operation is protected by rate limiting and requires the correct PIN. Useful for topping up cards before expected usage (e.g., ad spend, SaaS payments).
- [Withdraw Card](https://padiwise.gitbook.io/padiwise/virtual-cards/withdraw-card.md): This operation is protected by rate limiting and requires the correct PIN. Useful for withdrawing from cards before expected usage (e.g., ad spend, SaaS payments).


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://padiwise.gitbook.io/padiwise/virtual-cards.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.