diff --git a/examples/CardsTest.php b/examples/CardsTest.php
index 1505760..1a3f532 100644
--- a/examples/CardsTest.php
+++ b/examples/CardsTest.php
@@ -1,7 +1,59 @@
 <?php
 
 require_once('../init.php');
+// INDO
+\Xfers\Xfers::setIDSandbox();
 
+try {
+    echo "Charge guest card\n";
+    $chargeId = '670ee7406c424968ac5587852743ebd1'; // you must create a charge first
+    $params = array(
+        'txn_id' => $chargeId,
+        'card_name' => 'Visnu',
+        'card_type' => 'V',
+        'card_no' => '4137180300023783',
+        'card_cvc' => '666',
+        'expiry_month' => '01',
+        'expiry_year' => '2021',
+        'save_card' => true
+    );
+    $resp = \Xfers\Card::chargeGuest($params);
+    print_r($resp);
+} catch (\Xfers\Error\InvalidRequest $e) {
+    echo 'Caught InvalidRequest exception: ', $e->getMessage(), "\n";
+}
+
+try {
+    \Xfers\Xfers::setApiKey('LXcbEXxAZ894yVsSC1-iLpUWFx_RKTgeASsdL5TZhbc');
+    echo "Listing all cards\n";
+    $customer = "hello@xfers.io";
+    $resp = \Xfers\Card::listAll($customer);
+    print_r($resp);
+} catch (\Xfers\Error\InvalidRequest $e) {
+    echo 'Caught InvalidRequest exception: ', $e->getMessage(), "\n";
+}
+
+try {
+    echo "Charge existing card\n";
+    $chargeId = '5d8c605550114d3fbfdeffbf85ba3d69';
+    $token = '2D23113F-307F-41CA-8921-7A977668E3EC';
+    $resp = \Xfers\Card::chargeExisting($chargeId, $token);
+    print_r($resp);
+} catch (\Xfers\Error\InvalidRequest $e) {
+    echo 'Caught InvalidRequest exception: ', $e->getMessage(), "\n";
+}
+
+try {
+    echo "Deleting card\n";
+    $token = '2D23113F-307F-41CA-8921-7A977668E3EC';
+    $resp = \Xfers\Card::delete($token);
+    print_r($resp);
+} catch (\Xfers\Error\InvalidRequest $e) {
+    echo 'Caught InvalidRequest exception: ', $e->getMessage(), "\n";
+}
+
+
+// SINGAPORE
 \Xfers\Xfers::setApiKey('WuTp3zM7UEpmUkeAyGPxRHmnXAx-hXJ7jzdqmxY6S1o');
 \Xfers\Xfers::setSGSandbox();
 
diff --git a/lib/ApiRequestor.php b/lib/ApiRequestor.php
index 04cd758..b5163c9 100644
--- a/lib/ApiRequestor.php
+++ b/lib/ApiRequestor.php
@@ -67,14 +67,6 @@ private function _requestRaw($method, $url, $params, $headers, $connectKey = nul
             $myApiKey = Xfers::$apiKey;
         }
 
-        if (!$myApiKey) {
-            $msg = 'No API key provided.  (HINT: set your API key using '
-              . '"Xfers::setApiKey(<API-KEY>)".  You can generate API keys from '
-              . 'the Xfers web interface.  See http://docs.xfers.io/#authentication for '
-              . 'details, or email support@xfers.io if you have any questions.';
-            throw new Error\Authentication($msg);
-        }
-
         $absUrl = $this->_apiBase.$url;
 
         $langVersion = phpversion();
diff --git a/lib/Card.php b/lib/Card.php
index f11c7f1..18d3ec4 100644
--- a/lib/Card.php
+++ b/lib/Card.php
@@ -6,10 +6,15 @@ class Card extends ApiResource
 {
     public static $baseUrl = '/cards';
 
-    public static function listAll($userApiToken)
+    public static function listAll($param)
     {
-        $url = self::$baseUrl . "?user_api_token=" . $userApiToken;
-        return self::_get($url, null);
+        if (strpos(Xfers::$apiBase, 'id') !== false) {
+            $url = self::$baseUrl . "?customer=" . $param;
+            return self::_get($url, null);
+        } else {
+            $url = self::$baseUrl . "?user_api_token=" . $param;
+            return self::_get($url, null);
+        }
     }
 
     public static function add($params)
@@ -17,12 +22,15 @@ public static function add($params)
         return self::_post($params, self::$baseUrl, null);
     }
 
-    public static function delete($id, $userApiToken)
+    public static function delete($id, $userApiToken=null)
     {
         $url = self::$baseUrl . "/" . $id;
-        $params = array(
-            'user_api_token' => $userApiToken
-        );
+        $params = null;
+        if ($userApiToken != null) {
+            $params = array(
+                'user_api_token' => $userApiToken
+            );
+        }
         return self::_delete($url, null, $params);
     }
 
@@ -41,12 +49,19 @@ public static function chargeGuest($params)
         return self::_post($params, $url, null);
     }
 
-    public static function chargeExisting($chargeId)
+    public static function chargeExisting($chargeId, $token=null)
     {
         $url = "/credit_card_charges/charge_card";
-        $params = array(
-            'txn_id' => $chargeId
-        );
+        if ($token != null) {
+            $params = array(
+                'txn_id' => $chargeId,
+                'token' => $token
+            );
+        } else {
+            $params = array(
+                'txn_id' => $chargeId
+            );
+        }
         return self::_post($params, $url, null);
     }
 
diff --git a/lib/Xfers.php b/lib/Xfers.php
index fa93f6b..5331b06 100644
--- a/lib/Xfers.php
+++ b/lib/Xfers.php
@@ -19,7 +19,7 @@ class Xfers
     const IDproductionBase = 'https://id.xfers.com/api/v3';
 
     public static $apiBase = "";
-    const VERSION = '1.2.0';
+    const VERSION = '1.3.0';
 
     /**
      * @return string The API key used for requests.