Physical Card Issuing
Put a beautifully designed card in your customers' hands. NetPay manages card production, personalization and lifecycle so your physical program feels premium without the operational weight.
What is physical card issuing?
Physical card issuing is the end-to-end process of producing and managing plastic or metal payment cards: card design, personalization with cardholder data, secure fulfilment, activation, PIN management and lifecycle events like replacement and renewal. On a modern platform, physical cards are ordered through the same API that issues virtual cards, sharing one program, ledger and control framework.
A premium card program, operationally simple
Custom card design
Fully customizable card art that carries your brand — the card becomes a daily brand touchpoint.
API-triggered fulfilment
Order production and delivery with one API call; track status through to activation.
Activation & PIN flows
Secure activation and PIN set/reset journeys ready to embed in your app.
Contactless & chip
EMV chip and contactless payments at point of sale and ATM access where enabled.
Lifecycle management
Replacements, renewals, freezes and terminations handled programmatically alongside your virtual cards.
One program, both form factors
Issue a virtual card instantly at onboarding and follow with plastic — same account, same controls.
From design to doorstep
- 1
Approve your card design
Work from templates or supply finished art for your program.
- 2
Configure fulfilment
Set personalization data, delivery options and activation rules.
- 3
Order via API
Trigger card production per cardholder from your product or dashboard.
- 4
Activate and spend
Cardholders activate in your app and transact worldwide on the network.
Who it's built for
Frequently asked questions
Can I combine physical and virtual cards in one program?
Yes. Most programs issue an instant virtual card at onboarding and dispatch the physical card afterwards — both share the same account, balance and controls.
Who handles card production and delivery?
Production, personalization and fulfilment are managed through the platform's certified card production partners as part of your program setup.
What happens when a card is lost?
The card can be frozen instantly via API or dashboard, and a replacement ordered with the same account behind it — the cardholder keeps spending on their virtual card meanwhile.
Related pages
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