Direct access to card data (CARDDA)

• The Card Direct Application Programming Interface (“Card Direct API” or “CARDDA”) is an innovative service that is offered by Komerční banka and that brings many benefits and added convenience in the area of company payment card management. It is designed to facilitate management and control of expenses associated with company payment cards, while ensuring enhanced security and greater effectiveness of your corporate financing. 
• CARDDA provides secure access to information about active payment cards linked to bank accounts of Komerční banka (KB) clients. It provides a list of payment cards - both debit cards and credit cards - issued to bank accounts of a KB client, as well as details of such payment cards. 
• The direct access to information about payment card details is available to both account holders and authorised individuals/cardholders. 

• Central overview of payment cards: CARDDA allows centralised overview of company payment card linked to a specific bank account, further facilitating availability of information about active payment cards linked to company bank accounts. 
• Encrypted security measures: CARDDA uses modern encryption and security protocols to ensure that data about your cards are safe and protected from unauthorised access. 

CARDDA is a great solution for a business of any size that wishes to enhance control over their company payment cards and optimize expenditure management processes. With CARDDA, you can reduce the administrative burden, minimize risks, and manage your finances better.

• KB Business API services are intended only for sole proprietors (FOP) or legal entities (PO).
• If you operate accounts as an authorized representative, you may be a natural person, but the account owner must always be an FOP or PO.
• You can use the service if you have at least one of our original banking channels (MojeBanka, MojeBanka Business, or Profibanka). You will manage your access there and renew it every 12 months. You also need to have one of the authentication methods active, such as KB Klíč. 
• We recommend that you follow the rules for prudent access to data and system security. You can find our recommendations in the document Rules for Prudent Access.