The Card Issuing Platform for Modern Programs
One platform to design, launch and operate card programs end to end — issuing, processing, program management, risk controls and reporting, connected to your product through a single API.
What is a card issuing platform?
A card issuing platform is the software and infrastructure a company uses to create and operate payment cards: opening card accounts, generating credentials, authorizing transactions, applying spending controls, and settling with the card networks. Modern platforms expose these capabilities through APIs, so businesses can embed branded Visa or Mastercard products directly into their own applications.
Everything a card program needs to operate
Full card lifecycle
Create, activate, freeze, replace and terminate cards programmatically — with instant virtual issuance and physical fulfilment in one flow.
Authorization controls
Per-card and per-program rules: spending limits, merchant category controls, channel restrictions and velocity checks applied in real time at authorization.
Processing & settlement
Authorization, clearing and settlement handled on the platform, with transaction events streamed to your systems via webhooks for reconciliation.
Risk & compliance built in
KYC/KYB onboarding, AML transaction monitoring and tokenization on PCI DSS Level 1 certified infrastructure.
Program dashboard
Operational visibility for your team: card search, transaction review, dispute workflows and program-level reporting.
Multi-currency by design
Balances and settlement across 35+ currencies with coverage spanning 150+ countries.
From concept to live card program
- 1
Design the product
Choose card types, markets, currencies, funding model and controls.
- 2
Complete onboarding
KYB review, program configuration and scheme setup handled with you.
- 3
Build in the sandbox
Integrate cardholder creation, issuing and webhooks against test rails.
- 4
Launch and operate
Go live, monitor in the dashboard and scale products from the same platform.
Who it's built for
Frequently asked questions
What is the difference between an issuer processor and a card issuing platform?
An issuer processor executes transactions — authorization, clearing, settlement. A card issuing platform wraps processing with everything else a program needs: account creation, credential management, controls, compliance workflows, program management and APIs. NetPay provides the full platform layer.
Can I run multiple card products on one platform?
Yes. Consumer debit, corporate expense, prepaid and crypto-funded programs can run side by side, sharing the same API, controls framework and reporting.
How do spending controls work?
Rules are evaluated in real time during authorization. You can restrict by amount, merchant category, country, channel (e-commerce, POS, ATM) and frequency — per card, per group or per program.
How does reconciliation work?
Every authorization, reversal, clearing and settlement event is available via webhooks and reporting endpoints, so your ledger can mirror scheme activity without manual file handling.
Related pages
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