> For the complete documentation index, see [llms.txt](https://docs.pagsmile.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.pagsmile.com/reference/issuing-card-api/business/cardholder.md).

# Cardholder

Cardholders are the end users who conduct transactions with their cards. These transactions form the foundation of all financial activities recorded in the system. Cardholders fall into two primary categories: individual (personal) and corporate (business) cardholders.