> ## Documentation Index
> Fetch the complete documentation index at: https://docs.illumiatech.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction

> Programmatically manage cardholders, credentials, transactions, and more through the IDX REST APIs

The Institution Management APIs let you manage the cardholders, credentials, and accounts that make up your institution's card program. Use the Cardholder, Credential, and Lookup APIs to create and maintain cardholder records and the credentials they carry, and the Cardholder Account API to retrieve a cardholder's accounts, balances, and transaction history.

{user && Object.keys(user).length > 0 && (
<p>
  The Merchant Transaction API builds on those accounts, processing closed-loop stored-value activity — authorizations, captures, refunds, voids, deposits, and deposit returns — against campus-issued credentials.
</p>
)}

## Available APIs

<Columns cols={3}>
  <Card title="Cardholder API" icon="id-card" href="/api-reference/idx/institution-management/cardholder/cardholder/get-cardholder">
    Retrieve, update, and manage cardholder records and photos.
  </Card>

  <Card title="Credential API" icon="key" href="/api-reference/idx/institution-management/credential/credential/get-cardholder-credentials">
    Manage cardholder credentials, credential types, and credential value pools.
  </Card>

  <Card title="Lookup API" icon="magnifying-glass" href="/api-reference/idx/institution-management/lookup/cardholder/find-cardholder">
    Find cardholder records by identifier.
  </Card>

  <Card title="Cardholder Account API" icon="wallet" href="/api-reference/idx/institution-management/cardholder-account/cardholder-account/get-cardholder-accounts">
    Retrieve cardholder accounts, balances, and transaction history.
  </Card>

  {user && Object.keys(user).length > 0 && (
      <Card
        title="Merchant Transaction API"
        icon="credit-card"
        href="/api-reference/idx/idx-merchant-transaction/guides/overview"
      >
        Authorize, capture, refund, void, and deposit against cardholder accounts.
      </Card>
    )}
</Columns>

**Document Version:** 1.2\
**Last Updated:** August 2026\
**© Illumia Inc. - Confidential**