Card Connect

Mode: card_connect

Opal Card Connect is the primary way to connect user credit cards with Method. This pre-built flow gathers a user’s consent, verifies their identity, and completes any needed verifications to ensure their cards are connected to the Method ecosystem.

What this mode does

Card Connect lets users select and verify credit cards. Configure whether users may select a single card or multiple cards. Verified cards are eligible for payments and transactions.

Parameters

Create a token

You can create a card connect session token using one of the supported patterns:

• Existing entity: provide entity_id + mode + card_connect
• Create new entity: provide entity + mode + card_connect
• Resume session: provide session_id only (omit mode and card_connect)

Existing Entity

{
  "entity_id": "ent_...",
  "mode": "card_connect",
  "card_connect": {
    "selection_type": "single",
    "account_filters": {
      "exclude": {
        "mch_ids": ["mch_123"],
        "unverified_account_numbers": true
      }
    }
  }
}

Create New Entity

{
  "entity": {
    "type": "individual",
    "individual": {
      "first_name": "Kevin",
      "last_name": "Doyle",
      "phone": "[phone]"
    }
  },
  "mode": "card_connect",
  "card_connect": {
    "selection_type": "multiple"
  }
}

Response

{
  "token": "otkn_...",
  "valid_until": "2025-06-10T22:50:53.024Z",
  "session_id": "osess_..."
}

Launch Opal

React (Web)

import { OpalProvider, useOpal } from "@methodfi/opal-react";

function Screen() {
  const { open } = useOpal({ env: "dev", onEvent: (e) => {} });
  const start = async () => {
    const { token } = await getTokenFromBackend();
    open({ token });
  };
  return <button onClick={start}>Connect Card</button>;
}