diff --git a/Sources/BraintreeCard/BTCard.swift b/Sources/BraintreeCard/BTCard.swift
index 1e1ca203a..608bfcb1f 100644
--- a/Sources/BraintreeCard/BTCard.swift
+++ b/Sources/BraintreeCard/BTCard.swift
@@ -1,5 +1,9 @@
 import Foundation
 
+#if canImport(BraintreeCore)
+import BraintreeCore
+#endif
+
 /// The card tokenization request represents raw credit or debit card data provided by the customer.
 /// Its main purpose is to serve as the input for tokenization.
 @objcMembers public class BTCard: NSObject {
@@ -80,42 +84,25 @@ import Foundation
 
     // MARK: - Internal Methods
 
-    func parameters() -> CreditCardPOSTBody.CreditCard {
-        var cardBody = creditCardParams()
-        
-        cardBody.billingAddress = billingAddress()
-        cardBody.options = CreditCardPOSTBody.CreditCard.Options(validate: shouldValidate)
+    func parameters(apiClient: BTAPIClient) -> CreditCardPOSTBody {
+        var creditCardBody = CreditCardPOSTBody(card: self)
         
-        return cardBody
-    }
-
-    private func creditCardParams() -> CreditCardPOSTBody.CreditCard {
-        CreditCardPOSTBody.CreditCard(
-            number: number,
-            expirationMonth: expirationMonth,
-            cvv: cvv,
-            expirationYear: expirationYear,
-            cardHolderName: cardholderName
-        )
-    }
-
-    private func billingAddress() -> CreditCardPOSTBody.CreditCard.BillingAddress {
-        CreditCardPOSTBody.CreditCard.BillingAddress(
-            firstName: firstName,
-            lastName: lastName,
-            company: company,
-            postalCode: postalCode,
-            streetAddress: streetAddress,
-            extendedAddress: extendedAddress,
-            locality: locality,
-            region: region,
-            countryName: countryName,
-            countryCodeAlpha2: countryCodeAlpha2,
-            countryCodeAlpha3: countryCodeAlpha3,
-            countryCodeNumeric: countryCodeNumeric
+        var meta = CreditCardPOSTBody.Meta(
+            integration: apiClient.metadata.integration.stringValue,
+            source: apiClient.metadata.source.stringValue,
+            sessionId: apiClient.metadata.sessionID
         )
+        
+        creditCardBody.meta = meta
+        
+        if authenticationInsightRequested {
+            creditCardBody.authenticationInsight = true
+            creditCardBody.merchantAccountId = merchantAccountID
+        }
+        
+        return creditCardBody
     }
-
+    
     func graphQLParameters() -> CreditCardGraphQLBody {
         var cardBody = CreditCardGraphQLBody.Variables.Input.CreditCard(
             number: number,
diff --git a/Sources/BraintreeCard/BTCardClient.swift b/Sources/BraintreeCard/BTCardClient.swift
index 8971df31f..e728efd58 100644
--- a/Sources/BraintreeCard/BTCardClient.swift
+++ b/Sources/BraintreeCard/BTCardClient.swift
@@ -79,7 +79,7 @@ import BraintreeCore
                     return
                 }
             } else {
-                let parameters = self.clientAPIParameters(for: card)
+                let parameters = card.parameters(apiClient: self.apiClient)
 
                 self.apiClient.post("v1/payment_methods/credit_cards", parameters: parameters) {body, _, error in
                     if let error = error as NSError? {
@@ -136,28 +136,6 @@ import BraintreeCore
         return false
     }
 
-    private func clientAPIParameters(for card: BTCard) -> CreditCardPOSTBody {
-        
-        var creditCardBody = CreditCardPOSTBody()
-        
-        var meta = CreditCardPOSTBody.Meta(
-            integration: apiClient.metadata.integration.stringValue,
-            source: apiClient.metadata.source.stringValue,
-            sessionId: apiClient.metadata.sessionID
-        )
-        
-        creditCardBody.meta = meta
-        
-        if card.authenticationInsightRequested {
-            creditCardBody.authenticationInsight = true
-            creditCardBody.merchantAccountId = card.merchantAccountID
-        }
-        
-        creditCardBody.creditCard = card.parameters()
-
-        return creditCardBody
-    }
-
     // MARK: - Error Construction Methods
 
     /// Convenience helper method for creating friendlier, more human-readable userInfo dictionaries for 422 HTTP errors
diff --git a/Sources/BraintreeCard/CreditCardPOSTBody.swift b/Sources/BraintreeCard/CreditCardPOSTBody.swift
index 0409f932d..e979c1485 100644
--- a/Sources/BraintreeCard/CreditCardPOSTBody.swift
+++ b/Sources/BraintreeCard/CreditCardPOSTBody.swift
@@ -5,7 +5,7 @@ struct CreditCardPOSTBody: Encodable {
     var authenticationInsight: Bool?
     var merchantAccountId: String?
     var meta: Meta?
-    var creditCard: CreditCard?
+    let creditCard: CreditCard?
     
     private var usesGraphQL: Bool
 
@@ -17,16 +17,16 @@ struct CreditCardPOSTBody: Encodable {
     }
 
     init(
+        card: BTCard,
         authenticationInsight: Bool? = nil,
         merchantAccountId: String?  = nil,
         meta: Meta? = nil,
-        creditCard: CreditCard? = nil,
         usesGraphQL: Bool = false
     ) {
+        self.creditCard = CreditCard(card: card)
         self.authenticationInsight = authenticationInsight
         self.merchantAccountId = merchantAccountId
         self.meta = meta
-        self.creditCard = creditCard
         self.usesGraphQL = usesGraphQL
         
     }
@@ -43,31 +43,26 @@ struct CreditCardPOSTBody: Encodable {
         }
     }
 
+    /// POST Body Model
     struct CreditCard: Encodable {
-        var billingAddress: BillingAddress?
-        var number: String?
-        var expirationMonth: String?
-        var cvv: String?
-        var options: Options?
-        var expirationYear: String?
-        var cardHolderName: String?
+        let billingAddress: BillingAddress?
+        let number: String?
+        let expirationMonth: String?
+        let cvv: String?
+        let options: Options?
+        let expirationYear: String?
+        let cardHolderName: String?
 
         init(
-            billingAddress: BillingAddress? = nil,
-            number: String?,
-            expirationMonth: String?,
-            cvv: String?,
-            options: Options? = nil,
-            expirationYear: String?,
-            cardHolderName: String?
+            card: BTCard
         ) {
-            self.billingAddress = billingAddress
-            self.number = number
-            self.cvv = cvv
-            self.options = options
-            self.expirationMonth = expirationMonth
-            self.expirationYear = expirationYear
-            self.cardHolderName = cardHolderName
+            self.billingAddress = BillingAddress(card: card)
+            self.number = card.number
+            self.cvv = card.cvv
+            self.options = Options(validate: card.shouldValidate)
+            self.expirationMonth = card.expirationMonth
+            self.expirationYear = card.expirationYear
+            self.cardHolderName = card.cardholderName
         }
         
         enum CodingKeys: String, CodingKey {
@@ -81,45 +76,34 @@ struct CreditCardPOSTBody: Encodable {
         }
 
         struct BillingAddress: Encodable {
-            var firstName: String?
-            var lastName: String?
-            var company: String?
-            var postalCode: String?
-            var streetAddress: String?
-            var extendedAddress: String?
-            var locality: String?
-            var region: String?
-            var countryName: String?
-            var countryCodeAlpha2: String?
-            var countryCodeAlpha3: String?
-            var countryCodeNumeric: String?
+            let firstName: String?
+            let lastName: String?
+            let company: String?
+            let postalCode: String?
+            let streetAddress: String?
+            let extendedAddress: String?
+            let locality: String?
+            let region: String?
+            let countryName: String?
+            let countryCodeAlpha2: String?
+            let countryCodeAlpha3: String?
+            let countryCodeNumeric: String?
             
             init(
-                firstName: String?,
-                lastName: String?,
-                company: String?,
-                postalCode: String?,
-                streetAddress: String?,
-                extendedAddress: String?,
-                locality: String?,
-                region: String?,
-                countryName: String?,
-                countryCodeAlpha2: String?,
-                countryCodeAlpha3: String?,
-                countryCodeNumeric: String?
+                card: BTCard
             ) {
-                self.firstName = firstName
-                self.lastName = lastName
-                self.company = company
-                self.postalCode = postalCode
-                self.streetAddress = streetAddress
-                self.extendedAddress = extendedAddress
-                self.locality = locality
-                self.region = region
-                self.countryName = countryName
-                self.countryCodeAlpha2 = countryCodeAlpha2
-                self.countryCodeAlpha3 = countryCodeAlpha3
-                self.countryCodeNumeric = countryCodeNumeric
+                self.firstName = card.firstName
+                self.lastName = card.lastName
+                self.company = card.company
+                self.postalCode = card.postalCode
+                self.streetAddress = card.streetAddress
+                self.extendedAddress = card.extendedAddress
+                self.locality = card.locality
+                self.region = card.region
+                self.countryName = card.countryName
+                self.countryCodeAlpha2 = card.countryCodeAlpha2
+                self.countryCodeAlpha3 = card.countryCodeAlpha3
+                self.countryCodeNumeric = card.countryCodeNumeric
             }
             
             enum CodingKeys: String, CodingKey {
@@ -139,7 +123,7 @@ struct CreditCardPOSTBody: Encodable {
         }
 
         struct Options: Encodable {
-            var validate: Bool
+            let validate: Bool
 
             init(validate: Bool) {
                 self.validate = validate