# Sparados API Integration Guide

##### <span class="s1">**1. INTRODUCTION**</span>

Sparados provides APIs and hosted applications for corporate card issuing, expense management, and transaction processing.

The platform supports two integration models:

**Simple API Integration** — fast implementation using Sparados hosted mobile and web applications.

**Full API Integration** — embedded card issuing with full control over users, cards, card data, and authentication flows.

**Choose Integration Type**

<table border="1" cellpadding="8" cellspacing="0" id="bkmrk-feature-simple-api-f" width="100%"><thead><tr><th>**Feature**

</th><th>**Simple API**

</th><th>**Full API**

</th></tr></thead><tbody><tr><td>Fast integration

</td><td>1–2 days

</td><td>~1 month

</td></tr><tr><td>Use Sparados mobile app

</td><td>Yes

</td><td>No

</td></tr><tr><td>Use Sparados web app

</td><td>Yes

</td><td>No

</td></tr><tr><td>Dedicated branded web app

</td><td>Optional

</td><td>No

</td></tr><tr><td>Dedicated branded OTP SMS / WhatsApp / Email

</td><td>Optional

</td><td>No

</td></tr><tr><td>Create users via API

</td><td>No

</td><td>Yes

</td></tr><tr><td>Create cards via API

</td><td>Yes

</td><td>Yes

</td></tr><tr><td>Receive PAN / CVV

</td><td>No

</td><td>Yes

</td></tr><tr><td>Receive OTP / 3DS

</td><td>No

</td><td>Yes

</td></tr><tr><td>Apple Pay / Google Pay OTP

</td><td>No

</td><td>Yes

</td></tr><tr><td>PCI DSS scope

</td><td>No

</td><td>Yes

</td></tr></tbody></table>

Using the Sparados platform, partners can issue virtual and physical cards, manage balances and spending limits, automate expense workflows, and integrate card management directly into their own systems and applications.

The Sparados API supports:

Corporate card issuing  
Card lifecycle management  
Transaction processing  
Budget and spending controls  
3DS and OTP authentication flows  
Balance and approval management  
Server-to-server communication using Mutual TLS  
Webhooks and transaction notifications

Before calling Sparados APIs, your corporation must be configured by Sparados and Mutual TLS authentication must be enabled for your environment.

##### <span class="s1">**2. ENVIRONMENT SETUP**</span>

Before calling Sparados APIs, your corporation must be configured by Sparados and access to the selected environment must be enabled.

Access to BETA and PROD environments is provided after client verification and signing the cooperation agreement with Sparados.

**Server-to-Server Access**

Sparados APIs use Mutual TLS authentication for server-to-server communication.

Certificate generation, CSR structure, and environment-specific certificate requirements are described in the dedicated section:

`Connecting to Server-to-Server APIs`

Once your CSR is signed by Sparados, you can use the issued certificate to authenticate API requests within the selected environment.

**API Addresses**

<table border="1" cellpadding="8" cellspacing="0" id="bkmrk-api-integration-beta" width="100%"><thead><tr><th>**API**

</th><th>**Integration**

</th><th>**BETA**

</th><th>**PROD**

</th></tr></thead><tbody><tr><td>Cards API

</td><td>Simple / Full

</td><td>`https://sparadosv2-bc-api.secure-verestro.dev/secure`

</td><td>`https://sparadosv2-bc-api.secure-verestro.com/secure`

</td></tr><tr><td>Transaction API

</td><td>Simple / Full

</td><td>`https://services.upaidtest.pl/thc`

</td><td>`https://services.upaid.pl/thc`

</td></tr><tr><td>User, Card Data, 3DS and X-Pay Notifications API

</td><td>Full

</td><td>`https://sp-api.secure-verestro.dev`

</td><td>`https://sp-api.secure-verestro.com`

</td></tr></tbody></table>

##### <span class="s1">**3. REQUIRED CORPORATE PANEL VALUES**</span>

Before creating card approvals or managing card issuing workflows through Sparados APIs, you need to collect the required values from the Corporate Panel.

These values may be used in both Simple API Integration and Full API Integration, depending on the selected integration model.

**Card Visual ID**

You can find the `visualId` during the card assignment process in the Corporate Panel.

To copy the Card Visual ID:

Go to card assignment.  
Select the card visual you want to use.  
Click the copy icon displayed on the card visual.

The copied value should be used as:

`card.visual.id`

when creating an approval via API.

**Balance ID / Card Alias ID**

You can find the Card Alias ID in the <span class="s1">**Accounts**</span> section of the Corporate Panel.

To copy the Card Alias ID:

Go to <span class="s1">**Accounts**</span>.  
Select the relevant account.  
Click <span class="s1">**Copy Card Alias ID / Balance ID**</span>.

The copied value should be used as:

`balance.id`

when creating an approval via API.

**Important**

The `balance.id` used in Approval API methods is the Card Alias ID copied from the Corporate Panel.

It is different from the `balanceId` used for balance checking endpoints, such as:

`GET /secure/balances/{balanceId}`

The `balanceId` for balance checking is provided by Sparados after a payment account is created for the partner.

##### <span class="s1">**4. INTEGRATION DOCUMENTATION LINKS**</span>

For detailed technical documentation, please refer to the relevant integration section:

<table border="1" cellpadding="8" cellspacing="0" id="bkmrk-integration-type-doc" width="100%"><thead><tr><th>**Integration type**

</th><th>**Documentation link**

</th></tr></thead><tbody><tr><td>Simple API Integration

</td><td>[Simple API Integration](https://developer.sparados.com/books/sparados-api-documentation/page/simple-api-integration)</td></tr><tr><td>Full API Integration

</td><td>[Full API Integration](https://developer.sparados.com/books/sparados-api-documentation/page/full-api-integration)</td></tr></tbody></table>

Choose the integration model that matches your implementation scope before starting the technical integration.