According to some embodiments, a method comprises: providing a card sized to fit within a card personalization machine, the card including a surface defining at least a portion of a recess; inserting at least a portion of a sub-card into the recess; providing adhesive between the surface and the sub-card to releasably retain the at least a portion of the sub-card within the recess; and personalizing the sub-card, using the card personalization machine, while the at least a portion of the sub-card is within the recess. According to some embodiments, apparatus comprises: a card defining a recess; a sub-card, at least a portion of the sub-card being inserted into the recess; adhesive to releasably retain the at least a portion of the sub-card within the recess; and a card personalization machine to personalize the sub-card while the at least a portion of the sub-card is within the recess.