Laso Finance

get_card_data

Read-onlyIdempotent

Get card details

Returns the current status and details of card orders. If card_id is provided, returns a single card, looked up across U.S. non-reloadable, international non-reloadable, and reloadable cards. If omitted, returns all cards of the given card_type for the authenticated user; card_type defaults to Non-Reloadable U.S. when omitted, so existing callers see unchanged behavior. Pass card_type=Non-Reloadable International to list international cards, or card_type=Reloadable to list reloadable cards.

For U.S. non-reloadable cards, details take ~7-10 seconds to become available after ordering; poll every 2-3 seconds until status is "ready", then read card_details. For international non-reloadable cards, the order is queued until an admin fulfills it (typically within 24 hours), after which card_details is populated.

For international cards, the card_id returned by /order-intl-card is a queue id. After admin fulfillment, the issuer's transaction id becomes the new card_id and the original queue id is preserved on the card as queued_order_card_id. You can keep polling /get-card-data?card_id=<original-queue-id> and it will resolve to the fulfilled card.

Reloadable cards are a separate product, set up by the account holder in the Laso dashboard rather than ordered through this API. They are reusable (a multi_use card stays open across charges until its limit is spent) and can be topped up, unlike the single-load non-reloadable cards. Listing them returns balance, spend_limit, last4, expiry, and reusable. If the wallet has no card issuer account linked, the list is empty and a note explains how the holder sets one up.

Reading a reloadable card's number and CVV is gated by the card issuer, and which gate applies depends on who issued it. Request the card by card_id; the response carries exactly one of three fields. card_details is the normal result for a card created through /create-reloadable-card, which Laso issues on the holder's behalf and can read for them directly — no approval step is involved. details_approval with status: "pending" and an approval_id appears only for a card the holder created in a DIFFERENT app: the issuer has emailed them an approve/deny link, and once they approve you retry as GET /get-card-data?card_id=<CARD_ID>&approval_id=<APPROVAL_ID> to receive card_details. details_error means the issuer could not return the number; retry shortly, and if it persists the holder can read the card in the dashboard. Spend the card by entering its number, expiry, and CVV at the merchant's checkout. billing_address is null on these cards and always will be — the issuer holds no billing address for a card. If a merchant requires one, use the address the account holder gave at identity verification (ask them; do not guess), since these cards are AVS-checked against it and a mismatch is the most common decline on a card that has funds. A card with reusable: true stays open after an approved charge and can be spent again up to its remaining balance; a charge larger than the balance is declined in full, as there are no partial approvals.

Input Schema

Name	Required	Description	Default
`card_id`	No	The card ID returned from `/get-card` or `/order-intl-card`, or a reloadable card's id from `card_type=Reloadable`. Looked up across all three card types. If omitted, returns all cards of `card_type`.
`card_type`	No	When listing all cards (no `card_id`), filters by card type. Defaults to `Non-Reloadable U.S.` if omitted (preserves existing client behavior). Pass `Non-Reloadable International` to list international cards, or `Reloadable` to list reloadable cards.	Non-Reloadable U.S.
`approval_id`	No	Reloadable cards only, and only for a card the account holder created in a DIFFERENT app: pass the approval_id from a prior details_approval response once they have approved it. Cards created through /create-reloadable-card are Laso-issued and never require this.

Output Schema

Name	Required	Description	Default
No arguments

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedSep 26, 2026

removedInput schema / properties / auth_token

Removed value: -{
-  "description": "Laso credential. Only if the MCP connection has no Authorization header.",
-  "type": "string"
-}

changedOutput schema / (root)

Previous value: -nullNew value: +{
+  "anyOf": [
+    {
+      "description": "Response from `/get-card-data`. Three card types share this shape and each populates a different subset.\n\n**Non-reloadable (U.S. and International):** when `status` is `ready`, `card_details` carries the number, CVV, and expiry. International cards add `label`, `charged_usd_amount`, `fees_paid`, `state`, `balance_update_requested_timestamp`, and `queued_order_card_id`.\n\n**Reloadable:** returns `last4`, `expiry`, `balance`, `spend_limit`, `reusable`, `issuer_status`, `created_at`, and `expires_at` instead of the `usd_amount`/`timestamp` fields above. Reading its number and CVV is gated by the card issuer, so exactly one of `card_details`, `details_approval`, or `details_error` is present on a single-card lookup.",
+      "properties": {
+        "balance": {
+          "description": "Reloadable cards only. Spendable balance in dollars.",
+          "type": [
+            "number",
+            "null"
+          ]
+        },
+        "balance_update_requested_timestamp": {
+          "description": "International cards only. Unix timestamp (ms) of an outstanding admin balance update request, or null if none is pending.",
+          "type": [
+            "number",
+            "null"
+          ]
+        },
+        "card_details": {
+          "description": "Only present when status is `ready` (U.S.) or `complete` (international).",
+          "properties": {
+            "available_balance": {
+              "type": [
+                "number",
+                "null"
+              ]
+            },
+            "billing_address": {
+              "description": "The card billing address to enter when a merchant asks for one at checkout. The billing name is always `Laso Finance`. For USA non-reloadable cards `required` is `false` (any valid U.S. billing address works; this is a known-good default). For international non-reloadable cards `required` is `true` and the merchant AVS check is validated against exactly this address. On reloadable cards this is always null: the card issuer holds no billing address for a card, and they are AVS-checked against the address the account holder gave at their own identity verification. Ask the holder for it; do not substitute Laso's address.",
+              "properties": {
+                "city": {
+                  "type": [
+                    "string",
+                    "null"
+                  ]
+                },
+                "country": {
+                  "type": [
+                    "string",
+                    "null"
+                  ]
+                },
+                "line_1": {
+                  "type": [
+                    "string",
+                    "null"
+                  ]
+                },
+                "line_2": {
+                  "type": [
+                    "string",
+                    "null"
+                  ]
+                },
+                "name": {
+                  "description": "Always `Laso Finance`.",
+                  "type": [
+                    "string",
+                    "null"
+                  ]
+                },
+                "note": {
+                  "type": [
+                    "string",
+                    "null"
+                  ]
+                },
+                "required": {
+                  "description": "`true` if the card enforces AVS against this exact address (international cards); `false` if any valid U.S. address works (USA cards).",
+                  "type": [
+                    "boolean",
+                    "null"
+                  ]
+                },
+                "state": {
+                  "type": [
+                    "string",
+                    "null"
+                  ]
+                },
+                "zip": {
+                  "type": [
+                    "string",
+                    "null"
+                  ]
+                }
+              },
+              "type": [
+                "object",
+                "null"
+              ]
+            },
+            "card_number": {
+              "type": [
+                "string",
+                "null"
+              ]
+            },
+            "cvv": {
+              "type": [
+                "string",
+                "null"
+              ]
+            },
+            "exp_month": {
+              "type": [
+                "string",
+                "null"
+              ]
+            },
+            "exp_year": {
+              "type": [
+                "string",
+                "null"
+              ]
+            }
+          },
+          "type": [
+            "object",
+            "null"
+          ]
+        },
+        "card_id": {
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "card_type": {
+          "description": "One of: Non-Reloadable U.S., Non-Reloadable International, Reloadable.",
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "charged_usd_amount": {
+          "description": "International cards only. Amount the user was charged including fees.",
+          "type": [
+            "number",
+            "null"
+          ]
+        },
+        "country": {
+          "description": "U.S. cards only.",
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "created_at": {
+          "description": "Reloadable cards only. Epoch milliseconds.",
+          "type": [
+            "number",
+            "null"
+          ]
+        },
+        "details_approval": {
+          "description": "Reloadable cards only, and only for a card the holder created in ANOTHER app. The issuer has emailed them an approve/deny link; retry with `approval_id` once they approve. Cards created through `/create-reloadable-card` are Laso-issued and never take this path.",
+          "properties": {
+            "approval_id": {
+              "type": [
+                "string",
+                "null"
+              ]
+            },
+            "note": {
+              "type": [
+                "string",
+                "null"
+              ]
+            },
+            "status": {
+              "description": "One of: pending.",
+              "type": [
+                "string",
+                "null"
+              ]
+            }
+          },
+          "type": [
+            "object",
+            "null"
+          ]
+        },
+        "details_error": {
+          "description": "Reloadable cards only. Present when the issuer could not return the number, so a card with no `card_details` is never silently indistinguishable from one whose details are pending.",
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "expires_at": {
+          "description": "Reloadable cards only. Epoch milliseconds, or null when the card does not expire.",
+          "type": [
+            "number",
+            "null"
+          ]
+        },
+        "expiry": {
+          "description": "Reloadable cards only. MM/YY.",
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "fees_paid": {
+          "description": "International cards only. Fees paid for this card.",
+          "type": [
+            "number",
+            "null"
+          ]
+        },
+        "issuer_status": {
+          "description": "Reloadable cards only. The issuer's own status string, kept verbatim.",
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "label": {
+          "description": "International cards only. User-supplied label, may be empty.",
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "last4": {
+          "description": "Reloadable cards only. Last four digits.",
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "last_updated_timestamp": {
+          "description": "U.S. cards only. Unix timestamp (ms) of the last time card data was refreshed.",
+          "type": [
+            "number",
+            "null"
+          ]
+        },
+        "queued_order_card_id": {
+          "description": "International cards only. The original `card_id` returned by `/order-intl-card`. After admin fulfillment the card is reissued with a new `card_id` (the issuer's transaction id); querying `/get-card-data?card_id=<original>` continues to resolve to the fulfilled card via this field.",
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "reusable": {
+          "description": "Reloadable cards only. True for a multi-use card.",
+          "type": [
+            "boolean",
+            "null"
+          ]
+        },
+        "spend_limit": {
+          "description": "Reloadable cards only. Spend cap in dollars.",
+          "type": [
+            "number",
+            "null"
+          ]
+        },
+        "state": {
+          "description": "International cards only. Raw card state. One of: queued, redeemable, complete, refund-requested, refund-requested-approved-for-queue, archived, refunded.",
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "status": {
+          "description": "One of: pending, ready, queued, complete, refund-requested, refunded, archived.",
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "timestamp": {
+          "type": [
+            "number",
+            "null"
+          ]
+        },
+        "timestamp_readable": {
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "transactions": {
+          "description": "Card transaction history. U.S. and international cards use slightly different shapes — see `CardTransaction` and `IntlCardTransaction`.",
+          "items": {
+            "anyOf": [
+              {
+                "description": "U.S. prepaid card transaction.",
+                "properties": {
+                  "amount": {
+                    "type": [
+                      "number",
+                      "null"
+                    ]
+                  },
+                  "date": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "description": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "is_credit": {
+                    "type": [
+                      "boolean",
+                      "null"
+                    ]
+                  }
+                },
+                "type": [
+                  "object",
+                  "null"
+                ]
+              },
+              {
+                "description": "International prepaid card transaction.",
+                "properties": {
+                  "amount": {
+                    "description": "Transaction amount in USD.",
+                    "type": [
+                      "number",
+                      "null"
+                    ]
+                  },
+                  "date": {
+                    "description": "Unix timestamp (ms) of the transaction.",
+                    "type": [
+                      "number",
+                      "null"
+                    ]
+                  },
+                  "merchant": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "status": {
+                    "description": "Optional status, e.g. `pending`.",
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  }
+                },
+                "type": [
+                  "object",
+                  "null"
+                ]
+              }
+            ]
+          },
+          "type": [
+            "array",
+            "null"
+          ]
+        },
+        "usd_amount": {
+          "type": [
+            "number",
+            "null"
+          ]
+        }
+      },
+      "type": "object"
+    },
+    {
+      "properties": {
+        "cards": {
+          "items": {
+            "description": "Response from `/get-card-data`. Three card types share this shape and each populates a different subset.\n\n**Non-reloadable (U.S. and International):** when `status` is `ready`, `card_details` carries the number, CVV, and expiry. International cards add `label`, `charged_usd_amount`, `fees_paid`, `state`, `balance_update_requested_timestamp`, and `queued_order_card_id`.\n\n**Reloadable:** returns `last4`, `expiry`, `balance`, `spend_limit`, `reusable`, `issuer_status`, `created_at`, and `expires_at` instead of the `usd_amount`/`timestamp` fields above. Reading its number and CVV is gated by the card issuer, so exactly one of `card_details`, `details_approval`, or `details_error` is present on a single-card lookup.",
+            "properties": {
+              "balance": {
+                "description": "Reloadable cards only. Spendable balance in dollars.",
+                "type": [
+                  "number",
+                  "null"
+                ]
+              },
+              "balance_update_requested_timestamp": {
+                "description": "International cards only. Unix timestamp (ms) of an outstanding admin balance update request, or null if none is pending.",
+                "type": [
+                  "number",
+                  "null"
+                ]
+              },
+              "card_details": {
+                "description": "Only present when status is `ready` (U.S.) or `complete` (international).",
+                "properties": {
+                  "available_balance": {
+                    "type": [
+                      "number",
+                      "null"
+                    ]
+                  },
+                  "billing_address": {
+                    "description": "The card billing address to enter when a merchant asks for one at checkout. The billing name is always `Laso Finance`. For USA non-reloadable cards `required` is `false` (any valid U.S. billing address works; this is a known-good default). For international non-reloadable cards `required` is `true` and the merchant AVS check is validated against exactly this address. On reloadable cards this is always null: the card issuer holds no billing address for a card, and they are AVS-checked against the address the account holder gave at their own identity verification. Ask the holder for it; do not substitute Laso's address.",
+                    "properties": {
+                      "city": {
+                        "type": [
+                          "string",
+                          "null"
+                        ]
+                      },
+                      "country": {
+                        "type": [
+                          "string",
+                          "null"
+                        ]
+                      },
+                      "line_1": {
+                        "type": [
+                          "string",
+                          "null"
+                        ]
+                      },
+                      "line_2": {
+                        "type": [
+                          "string",
+                          "null"
+                        ]
+                      },
+                      "name": {
+                        "description": "Always `Laso Finance`.",
+                        "type": [
+                          "string",
+                          "null"
+                        ]
+                      },
+                      "note": {
+                        "type": [
+                          "string",
+                          "null"
+                        ]
+                      },
+                      "required": {
+                        "description": "`true` if the card enforces AVS against this exact address (international cards); `false` if any valid U.S. address works (USA cards).",
+                        "type": [
+                          "boolean",
+                          "null"
+                        ]
+                      },
+                      "state": {
+                        "type": [
+                          "string",
+                          "null"
+                        ]
+                      },
+                      "zip": {
+                        "type": [
+                          "string",
+                          "null"
+                        ]
+                      }
+                    },
+                    "type": [
+                      "object",
+                      "null"
+                    ]
+                  },
+                  "card_number": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "cvv": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "exp_month": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "exp_year": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  }
+                },
+                "type": [
+                  "object",
+                  "null"
+                ]
+              },
+              "card_id": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "card_type": {
+                "description": "One of: Non-Reloadable U.S., Non-Reloadable International, Reloadable.",
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "charged_usd_amount": {
+                "description": "International cards only. Amount the user was charged including fees.",
+                "type": [
+                  "number",
+                  "null"
+                ]
+              },
+              "country": {
+                "description": "U.S. cards only.",
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "created_at": {
+                "description": "Reloadable cards only. Epoch milliseconds.",
+                "type": [
+                  "number",
+                  "null"
+                ]
+              },
+              "details_approval": {
+                "description": "Reloadable cards only, and only for a card the holder created in ANOTHER app. The issuer has emailed them an approve/deny link; retry with `approval_id` once they approve. Cards created through `/create-reloadable-card` are Laso-issued and never take this path.",
+                "properties": {
+                  "approval_id": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "note": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "status": {
+                    "description": "One of: pending.",
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  }
+                },
+                "type": [
+                  "object",
+                  "null"
+                ]
+              },
+              "details_error": {
+                "description": "Reloadable cards only. Present when the issuer could not return the number, so a card with no `card_details` is never silently indistinguishable from one whose details are pending.",
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "expires_at": {
+                "description": "Reloadable cards only. Epoch milliseconds, or null when the card does not expire.",
+                "type": [
+                  "number",
+                  "null"
+                ]
+              },
+              "expiry": {
+                "description": "Reloadable cards only. MM/YY.",
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "fees_paid": {
+                "description": "International cards only. Fees paid for this card.",
+                "type": [
+                  "number",
+                  "null"
+                ]
+              },
+              "issuer_status": {
+                "description": "Reloadable cards only. The issuer's own status string, kept verbatim.",
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "label": {
+                "description": "International cards only. User-supplied label, may be empty.",
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "last4": {
+                "description": "Reloadable cards only. Last four digits.",
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "last_updated_timestamp": {
+                "description": "U.S. cards only. Unix timestamp (ms) of the last time card data was refreshed.",
+                "type": [
+                  "number",
+                  "null"
+                ]
+              },
+              "queued_order_card_id": {
+                "description": "International cards only. The original `card_id` returned by `/order-intl-card`. After admin fulfillment the card is reissued with a new `card_id` (the issuer's transaction id); querying `/get-card-data?card_id=<original>` continues to resolve to the fulfilled card via this field.",
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "reusable": {
+                "description": "Reloadable cards only. True for a multi-use card.",
+                "type": [
+                  "boolean",
+                  "null"
+                ]
+              },
+              "spend_limit": {
+                "description": "Reloadable cards only. Spend cap in dollars.",
+                "type": [
+                  "number",
+                  "null"
+                ]
+              },
+              "state": {
+                "description": "International cards only. Raw card state. One of: queued, redeemable, complete, refund-requested, refund-requested-approved-for-queue, archived, refunded.",
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "status": {
+                "description": "One of: pending, ready, queued, complete, refund-requested, refunded, archived.",
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "timestamp": {
+                "type": [
+                  "number",
+                  "null"
+                ]
+              },
+              "timestamp_readable": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "transactions": {
+                "description": "Card transaction history. U.S. and international cards use slightly different shapes — see `CardTransaction` and `IntlCardTransaction`.",
+                "items": {
+                  "anyOf": [
+                    {
+                      "description": "U.S. prepaid card transaction.",
+                      "properties": {
+                        "amount": {
+                          "type": [
+                            "number",
+                            "null"
+                          ]
+                        },
+                        "date": {
+                          "type": [
+                            "string",
+                            "null"
+                          ]
+                        },
+                        "description": {
+                          "type": [
+                            "string",
+                            "null"
+                          ]
+                        },
+                        "is_credit": {
+                          "type": [
+                            "boolean",
+                            "null"
+                          ]
+                        }
+                      },
+                      "type": [
+                        "object",
+                        "null"
+                      ]
+                    },
+                    {
+                      "description": "International prepaid card transaction.",
+                      "properties": {
+                        "amount": {
+                          "description": "Transaction amount in USD.",
+                          "type": [
+                            "number",
+                            "null"
+                          ]
+                        },
+                        "date": {
+                          "description": "Unix timestamp (ms) of the transaction.",
+                          "type": [
+                            "number",
+                            "null"
+                          ]
+                        },
+                        "merchant": {
+                          "type": [
+                            "string",
+                            "null"
+                          ]
+                        },
+                        "status": {
+                          "description": "Optional status, e.g. `pending`.",
+                          "type": [
+                            "string",
+                            "null"
+                          ]
+                        }
+                      },
+                      "type": [
+                        "object",
+                        "null"
+                      ]
+                    }
+                  ]
+                },
+                "type": [
+                  "array",
+                  "null"
+                ]
+              },
+              "usd_amount": {
+                "type": [
+                  "number",
+                  "null"
+                ]
+              }
+            },
+            "type": [
+              "object",
+              "null"
+            ]
+          },
+          "type": [
+            "array",
+            "null"
+          ]
+        }
+      },
+      "type": "object"
+    }
+  ],
+  "type": "object"
+}

Changed1 schema field changedSep 26, 2026

changedOutput schema / (root)

Previous value: -{
-  "anyOf": [
-    {
-      "description": "Response from `/get-card-data`. Three card types share this shape and each populates a different subset.\n\n**Non-reloadable (U.S. and International):** when `status` is `ready`, `card_details` carries the number, CVV, and expiry. International cards add `label`, `charged_usd_amount`, `fees_paid`, `state`, `balance_update_requested_timestamp`, and `queued_order_card_id`.\n\n**Reloadable:** returns `last4`, `expiry`, `balance`, `spend_limit`, `reusable`, `issuer_status`, `created_at`, and `expires_at` instead of the `usd_amount`/`timestamp` fields above. Reading its number and CVV is gated by the card issuer, so exactly one of `card_details`, `details_approval`, or `details_error` is present on a single-card lookup.",
-      "properties": {
-        "balance": {
-          "description": "Reloadable cards only. Spendable balance in dollars.",
-          "type": [
-            "number",
-            "null"
-          ]
-        },
-        "balance_update_requested_timestamp": {
-          "description": "International cards only. Unix timestamp (ms) of an outstanding admin balance update request, or null if none is pending.",
-          "type": [
-            "number",
-            "null"
-          ]
-        },
-        "card_details": {
-          "description": "Only present when status is `ready` (U.S.) or `complete` (international).",
-          "properties": {
-            "available_balance": {
-              "type": [
-                "number",
-                "null"
-              ]
-            },
-            "billing_address": {
-              "description": "The card billing address to enter when a merchant asks for one at checkout. The billing name is always `Laso Finance`. For USA non-reloadable cards `required` is `false` (any valid U.S. billing address works; this is a known-good default). For international non-reloadable cards `required` is `true` and the merchant AVS check is validated against exactly this address. On reloadable cards this is always null: the card issuer holds no billing address for a card, and they are AVS-checked against the address the account holder gave at their own identity verification. Ask the holder for it; do not substitute Laso's address.",
-              "properties": {
-                "city": {
-                  "type": [
-                    "string",
-                    "null"
-                  ]
-                },
-                "country": {
-                  "type": [
-                    "string",
-                    "null"
-                  ]
-                },
-                "line_1": {
-                  "type": [
-                    "string",
-                    "null"
-                  ]
-                },
-                "line_2": {
-                  "type": [
-                    "string",
-                    "null"
-                  ]
-                },
-                "name": {
-                  "description": "Always `Laso Finance`.",
-                  "type": [
-                    "string",
-                    "null"
-                  ]
-                },
-                "note": {
-                  "type": [
-                    "string",
-                    "null"
-                  ]
-                },
-                "required": {
-                  "description": "`true` if the card enforces AVS against this exact address (international cards); `false` if any valid U.S. address works (USA cards).",
-                  "type": [
-                    "boolean",
-                    "null"
-                  ]
-                },
-                "state": {
-                  "type": [
-                    "string",
-                    "null"
-                  ]
-                },
-                "zip": {
-                  "type": [
-                    "string",
-                    "null"
-                  ]
-                }
-              },
-              "type": [
-                "object",
-                "null"
-              ]
-            },
-            "card_number": {
-              "type": [
-                "string",
-                "null"
-              ]
-            },
-            "cvv": {
-              "type": [
-                "string",
-                "null"
-              ]
-            },
-            "exp_month": {
-              "type": [
-                "string",
-                "null"
-              ]
-            },
-            "exp_year": {
-              "type": [
-                "string",
-                "null"
-              ]
-            }
-          },
-          "type": [
-            "object",
-            "null"
-          ]
-        },
-        "card_id": {
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "card_type": {
-          "description": "One of: Non-Reloadable U.S., Non-Reloadable International, Reloadable.",
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "charged_usd_amount": {
-          "description": "International cards only. Amount the user was charged including fees.",
-          "type": [
-            "number",
-            "null"
-          ]
-        },
-        "country": {
-          "description": "U.S. cards only.",
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "created_at": {
-          "description": "Reloadable cards only. Epoch milliseconds.",
-          "type": [
-            "number",
-            "null"
-          ]
-        },
-        "details_approval": {
-          "description": "Reloadable cards only, and only for a card the holder created in ANOTHER app. The issuer has emailed them an approve/deny link; retry with `approval_id` once they approve. Cards created through `/create-reloadable-card` are Laso-issued and never take this path.",
-          "properties": {
-            "approval_id": {
-              "type": [
-                "string",
-                "null"
-              ]
-            },
-            "note": {
-              "type": [
-                "string",
-                "null"
-              ]
-            },
-            "status": {
-              "description": "One of: pending.",
-              "type": [
-                "string",
-                "null"
-              ]
-            }
-          },
-          "type": [
-            "object",
-            "null"
-          ]
-        },
-        "details_error": {
-          "description": "Reloadable cards only. Present when the issuer could not return the number, so a card with no `card_details` is never silently indistinguishable from one whose details are pending.",
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "expires_at": {
-          "description": "Reloadable cards only. Epoch milliseconds, or null when the card does not expire.",
-          "type": [
-            "number",
-            "null"
-          ]
-        },
-        "expiry": {
-          "description": "Reloadable cards only. MM/YY.",
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "fees_paid": {
-          "description": "International cards only. Fees paid for this card.",
-          "type": [
-            "number",
-            "null"
-          ]
-        },
-        "issuer_status": {
-          "description": "Reloadable cards only. The issuer's own status string, kept verbatim.",
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "label": {
-          "description": "International cards only. User-supplied label, may be empty.",
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "last4": {
-          "description": "Reloadable cards only. Last four digits.",
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "last_updated_timestamp": {
-          "description": "U.S. cards only. Unix timestamp (ms) of the last time card data was refreshed.",
-          "type": [
-            "number",
-            "null"
-          ]
-        },
-        "queued_order_card_id": {
-          "description": "International cards only. The original `card_id` returned by `/order-intl-card`. After admin fulfillment the card is reissued with a new `card_id` (the issuer's transaction id); querying `/get-card-data?card_id=<original>` continues to resolve to the fulfilled card via this field.",
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "reusable": {
-          "description": "Reloadable cards only. True for a multi-use card.",
-          "type": [
-            "boolean",
-            "null"
-          ]
-        },
-        "spend_limit": {
-          "description": "Reloadable cards only. Spend cap in dollars.",
-          "type": [
-            "number",
-            "null"
-          ]
-        },
-        "state": {
-          "description": "International cards only. Raw card state. One of: queued, redeemable, complete, refund-requested, refund-requested-approved-for-queue, archived, refunded.",
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "status": {
-          "description": "One of: pending, ready, queued, complete, refund-requested, refunded, archived.",
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "timestamp": {
-          "type": [
-            "number",
-            "null"
-          ]
-        },
-        "timestamp_readable": {
-          "type": [
-            "string",
-            "null"
-          ]
-        },
-        "transactions": {
-          "description": "Card transaction history. U.S. and international cards use slightly different shapes — see `CardTransaction` and `IntlCardTransaction`.",
-          "items": {
-            "anyOf": [
-              {
-                "description": "U.S. prepaid card transaction.",
-                "properties": {
-                  "amount": {
-                    "type": [
-                      "number",
-                      "null"
-                    ]
-                  },
-                  "date": {
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  },
-                  "description": {
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  },
-                  "is_credit": {
-                    "type": [
-                      "boolean",
-                      "null"
-                    ]
-                  }
-                },
-                "type": [
-                  "object",
-                  "null"
-                ]
-              },
-              {
-                "description": "International prepaid card transaction.",
-                "properties": {
-                  "amount": {
-                    "description": "Transaction amount in USD.",
-                    "type": [
-                      "number",
-                      "null"
-                    ]
-                  },
-                  "date": {
-                    "description": "Unix timestamp (ms) of the transaction.",
-                    "type": [
-                      "number",
-                      "null"
-                    ]
-                  },
-                  "merchant": {
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  },
-                  "status": {
-                    "description": "Optional status, e.g. `pending`.",
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  }
-                },
-                "type": [
-                  "object",
-                  "null"
-                ]
-              }
-            ]
-          },
-          "type": [
-            "array",
-            "null"
-          ]
-        },
-        "usd_amount": {
-          "type": [
-            "number",
-            "null"
-          ]
-        }
-      },
-      "type": "object"
-    },
-    {
-      "properties": {
-        "cards": {
-          "items": {
-            "description": "Response from `/get-card-data`. Three card types share this shape and each populates a different subset.\n\n**Non-reloadable (U.S. and International):** when `status` is `ready`, `card_details` carries the number, CVV, and expiry. International cards add `label`, `charged_usd_amount`, `fees_paid`, `state`, `balance_update_requested_timestamp`, and `queued_order_card_id`.\n\n**Reloadable:** returns `last4`, `expiry`, `balance`, `spend_limit`, `reusable`, `issuer_status`, `created_at`, and `expires_at` instead of the `usd_amount`/`timestamp` fields above. Reading its number and CVV is gated by the card issuer, so exactly one of `card_details`, `details_approval`, or `details_error` is present on a single-card lookup.",
-            "properties": {
-              "balance": {
-                "description": "Reloadable cards only. Spendable balance in dollars.",
-                "type": [
-                  "number",
-                  "null"
-                ]
-              },
-              "balance_update_requested_timestamp": {
-                "description": "International cards only. Unix timestamp (ms) of an outstanding admin balance update request, or null if none is pending.",
-                "type": [
-                  "number",
-                  "null"
-                ]
-              },
-              "card_details": {
-                "description": "Only present when status is `ready` (U.S.) or `complete` (international).",
-                "properties": {
-                  "available_balance": {
-                    "type": [
-                      "number",
-                      "null"
-                    ]
-                  },
-                  "billing_address": {
-                    "description": "The card billing address to enter when a merchant asks for one at checkout. The billing name is always `Laso Finance`. For USA non-reloadable cards `required` is `false` (any valid U.S. billing address works; this is a known-good default). For international non-reloadable cards `required` is `true` and the merchant AVS check is validated against exactly this address. On reloadable cards this is always null: the card issuer holds no billing address for a card, and they are AVS-checked against the address the account holder gave at their own identity verification. Ask the holder for it; do not substitute Laso's address.",
-                    "properties": {
-                      "city": {
-                        "type": [
-                          "string",
-                          "null"
-                        ]
-                      },
-                      "country": {
-                        "type": [
-                          "string",
-                          "null"
-                        ]
-                      },
-                      "line_1": {
-                        "type": [
-                          "string",
-                          "null"
-                        ]
-                      },
-                      "line_2": {
-                        "type": [
-                          "string",
-                          "null"
-                        ]
-                      },
-                      "name": {
-                        "description": "Always `Laso Finance`.",
-                        "type": [
-                          "string",
-                          "null"
-                        ]
-                      },
-                      "note": {
-                        "type": [
-                          "string",
-                          "null"
-                        ]
-                      },
-                      "required": {
-                        "description": "`true` if the card enforces AVS against this exact address (international cards); `false` if any valid U.S. address works (USA cards).",
-                        "type": [
-                          "boolean",
-                          "null"
-                        ]
-                      },
-                      "state": {
-                        "type": [
-                          "string",
-                          "null"
-                        ]
-                      },
-                      "zip": {
-                        "type": [
-                          "string",
-                          "null"
-                        ]
-                      }
-                    },
-                    "type": [
-                      "object",
-                      "null"
-                    ]
-                  },
-                  "card_number": {
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  },
-                  "cvv": {
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  },
-                  "exp_month": {
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  },
-                  "exp_year": {
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  }
-                },
-                "type": [
-                  "object",
-                  "null"
-                ]
-              },
-              "card_id": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "card_type": {
-                "description": "One of: Non-Reloadable U.S., Non-Reloadable International, Reloadable.",
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "charged_usd_amount": {
-                "description": "International cards only. Amount the user was charged including fees.",
-                "type": [
-                  "number",
-                  "null"
-                ]
-              },
-              "country": {
-                "description": "U.S. cards only.",
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "created_at": {
-                "description": "Reloadable cards only. Epoch milliseconds.",
-                "type": [
-                  "number",
-                  "null"
-                ]
-              },
-              "details_approval": {
-                "description": "Reloadable cards only, and only for a card the holder created in ANOTHER app. The issuer has emailed them an approve/deny link; retry with `approval_id` once they approve. Cards created through `/create-reloadable-card` are Laso-issued and never take this path.",
-                "properties": {
-                  "approval_id": {
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  },
-                  "note": {
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  },
-                  "status": {
-                    "description": "One of: pending.",
-                    "type": [
-                      "string",
-                      "null"
-                    ]
-                  }
-                },
-                "type": [
-                  "object",
-                  "null"
-                ]
-              },
-              "details_error": {
-                "description": "Reloadable cards only. Present when the issuer could not return the number, so a card with no `card_details` is never silently indistinguishable from one whose details are pending.",
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "expires_at": {
-                "description": "Reloadable cards only. Epoch milliseconds, or null when the card does not expire.",
-                "type": [
-                  "number",
-                  "null"
-                ]
-              },
-              "expiry": {
-                "description": "Reloadable cards only. MM/YY.",
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "fees_paid": {
-                "description": "International cards only. Fees paid for this card.",
-                "type": [
-                  "number",
-                  "null"
-                ]
-              },
-              "issuer_status": {
-                "description": "Reloadable cards only. The issuer's own status string, kept verbatim.",
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "label": {
-                "description": "International cards only. User-supplied label, may be empty.",
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "last4": {
-                "description": "Reloadable cards only. Last four digits.",
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "last_updated_timestamp": {
-                "description": "U.S. cards only. Unix timestamp (ms) of the last time card data was refreshed.",
-                "type": [
-                  "number",
-                  "null"
-                ]
-              },
-              "queued_order_card_id": {
-                "description": "International cards only. The original `card_id` returned by `/order-intl-card`. After admin fulfillment the card is reissued with a new `card_id` (the issuer's transaction id); querying `/get-card-data?card_id=<original>` continues to resolve to the fulfilled card via this field.",
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "reusable": {
-                "description": "Reloadable cards only. True for a multi-use card.",
-                "type": [
-                  "boolean",
-                  "null"
-                ]
-              },
-              "spend_limit": {
-                "description": "Reloadable cards only. Spend cap in dollars.",
-                "type": [
-                  "number",
-                  "null"
-                ]
-              },
-              "state": {
-                "description": "International cards only. Raw card state. One of: queued, redeemable, complete, refund-requested, refund-requested-approved-for-queue, archived, refunded.",
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "status": {
-                "description": "One of: pending, ready, queued, complete, refund-requested, refunded, archived.",
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "timestamp": {
-                "type": [
-                  "number",
-                  "null"
-                ]
-              },
-              "timestamp_readable": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "transactions": {
-                "description": "Card transaction history. U.S. and international cards use slightly different shapes — see `CardTransaction` and `IntlCardTransaction`.",
-                "items": {
-                  "anyOf": [
-                    {
-                      "description": "U.S. prepaid card transaction.",
-                      "properties": {
-                        "amount": {
-                          "type": [
-                            "number",
-                            "null"
-                          ]
-                        },
-                        "date": {
-                          "type": [
-                            "string",
-                            "null"
-                          ]
-                        },
-                        "description": {
-                          "type": [
-                            "string",
-                            "null"
-                          ]
-                        },
-                        "is_credit": {
-                          "type": [
-                            "boolean",
-                            "null"
-                          ]
-                        }
-                      },
-                      "type": [
-                        "object",
-                        "null"
-                      ]
-                    },
-                    {
-                      "description": "International prepaid card transaction.",
-                      "properties": {
-                        "amount": {
-                          "description": "Transaction amount in USD.",
-                          "type": [
-                            "number",
-                            "null"
-                          ]
-                        },
-                        "date": {
-                          "description": "Unix timestamp (ms) of the transaction.",
-                          "type": [
-                            "number",
-                            "null"
-                          ]
-                        },
-                        "merchant": {
-                          "type": [
-                            "string",
-                            "null"
-                          ]
-                        },
-                        "status": {
-                          "description": "Optional status, e.g. `pending`.",
-                          "type": [
-                            "string",
-                            "null"
-                          ]
-                        }
-                      },
-                      "type": [
-                        "object",
-                        "null"
-                      ]
-                    }
-                  ]
-                },
-                "type": [
-                  "array",
-                  "null"
-                ]
-              },
-              "usd_amount": {
-                "type": [
-                  "number",
-                  "null"
-                ]
-              }
-            },
-            "type": [
-              "object",
-              "null"
-            ]
-          },
-          "type": [
-            "array",
-            "null"
-          ]
-        }
-      },
-      "type": "object"
-    }
-  ],
-  "type": "object"
-}New value: +null

First observedSep 26, 2026

TDQS

A4.7/5.0

Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

The description adds rich behavioral context beyond the annotations. . The readOnlyHint=true and idempotentHint=true annotations are consistent with the description's read-only nature, and the description elaborates on the behavior of polling, approval gates, and data availability windows, which are not inferable from the annotations alone.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is long but every section is purposeful and necessary for correct operation. It is structured with clear paragraphs for each card type and edge cases. The most critical usage information (how to poll) is placed early, and the response format is not over-explained since an output schema exists. No redundant sentences.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the tool's complexity (three card types, approval gates, polling behavior, and a complex output schema), the description is thorough. It covers all necessary conditions for successful invocation, including edge cases like missing billing_address and approval flows. The output schema exists, so the description doesn't need to enumerate return values. It is complete for an agent to use correctly.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The schema description coverage is 100%, so parameters are well documented in the schema. The description adds value by providing additional context on how parameters interact (e.g., card_id lookup across all types, approval_id only for certain cards), but the schema already defines their basic semantics. The baseline of 3 is appropriate.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool's purpose: to get card details and status. It specifies the resource (cards), the action (get), and differentiates between single card lookup and listing by card type. It also distinguishes from siblings like order_card and order_intl_card by describing the retrieval of card data, not creation.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines5/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description provides explicit guidance on when to use this tool versus alternatives, such as mentioning that reloadable cards are set up in the dashboard rather than ordered through the API. It explains the conditions for using card_id versus card_type, and how to handle different card types. It also clarifies when to use approval_id and how to poll for updates, which is critical for correct usage.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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