Full card lifecycle
Create, activate, freeze, replace and terminate cards programmatically — with instant virtual issuance and physical fulfilment in one flow.
Card Issuing
The Card Issuing Platform for Modern Programs
No scheme membership. One API. Launched under your brand.
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.
Your program
- Full card lifecycleCreate, activate, freeze, replace and terminate cards programmatically — with instant virtual issuance and physical fulfilment in one flow.
- Authorization controlsPer-card and per-program rules: spending limits, merchant category controls, channel restrictions and velocity checks applied in real time at authorization.
- Processing & settlementAuthorization, clearing and settlement handled on the platform, with transaction events streamed to your systems via webhooks for reconciliation.
- Risk & compliance built inKYC/KYB onboarding, AML transaction monitoring and tokenization on PCI DSS Level 1 certified infrastructure.
Launch checklist
- Design the product
- Complete onboarding
- Build in the sandbox
- Launch and operate
- PCI DSS Level 1 systems
- Visa & Mastercard programs
- 150+ countries
- 35+ currencies
The problem
Launching payments usually means building a bank first.
The product is rarely the hard part. The dependencies are: scheme membership, a sponsor bank, a certified PCI environment and a stack of vendors, each with its own queue.
Scheme membership is a project in itself.
Going to Visa or Mastercard directly means capital requirements, audits and a sponsor bank before a single card ships.
Compliance becomes a second product.
PCI DSS, KYC, AML monitoring and disputes each need their own people, vendors and audit cycles.
Every vendor is another integration.
Processor, ledger, KYC and payout providers each bring their own API, contract and failure modes.
Run it yourself
One program, two ways to launch it.
Launch card issuing under your brand Ready
Building it with a bankIdle: press Launch the program
- Apply for card scheme membership
- Negotiate a sponsor bank and BIN
- Build and certify a PCI DSS environment
- Integrate processor, KYC and ledger vendors
- Wait for scheme certification
Every dependency sits in another team's queue, and you still own the audits.
Launching it on NetPayIdle: press Launch the program
- Design the product
- Complete onboarding
- Build in the sandbox
- Launch and operate
Same program. One partner, one API and one contract.
Capabilities
Everything a card program needs to operate
Everything here runs on the same NetPay rails, API and dashboard.
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.
How it works
From concept to live card program
A guided path. We carry the regulated heavy lifting so your team ships the product.
Design the product
Choose card types, markets, currencies, funding model and controls.
Complete onboarding
KYB review, program configuration and scheme setup handled with you.
Build in the sandbox
Integrate cardholder creation, issuing and webhooks against test rails.
Launch and operate
Go live, monitor in the dashboard and scale products from the same platform.
Who it's for
Built for teams that move money.
- Fintechs & neobanks
- Expense management products
- Payroll & benefits platforms
- Marketplaces & gig platforms
- Crypto platforms
- Travel & OTA businesses
How we compare
How NetPay compares.
Every option gets you to a live program eventually. The rows show what each one asks of your team.
| Capability | NetPay | Build in-house | Legacy processor |
|---|---|---|---|
| Card scheme membership | Not needed, we sponsor | Required | Usually required |
| PCI DSS scope | On our Level 1 systems | Yours to certify | Shared with you |
| Cards, IBANs and payouts | One platform | Separate vendors | Cards only |
| Integration | One REST API and webhooks | Several vendor APIs | Batch files, legacy APIs |
| Sandbox before launch | Full sandbox | Build your own | Limited |
| Your brand | Every card, app and statement | Yes | Often co-branded |
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.
Launch card issuing under your brand.
Tell us what you're building and we'll scope the right program and rails with you.