Custom card design
Fully customizable card art that carries your brand — the card becomes a daily brand touchpoint.
Physical Cards
Physical Card Issuing
No scheme membership. One API. Launched under your brand.
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.
Your program
- Custom card designFully customizable card art that carries your brand — the card becomes a daily brand touchpoint.
- API-triggered fulfilmentOrder production and delivery with one API call; track status through to activation.
- Activation & PIN flowsSecure activation and PIN set/reset journeys ready to embed in your app.
- Contactless & chipEMV chip and contactless payments at point of sale and ATM access where enabled.
Launch checklist
- Approve your card design
- Configure fulfilment
- Order via API
- Activate and spend
- 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 physical cards 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
- Approve your card design
- Configure fulfilment
- Order via API
- Activate and spend
Same program. One partner, one API and one contract.
Capabilities
A premium card program, operationally simple
Everything here runs on the same NetPay rails, API and dashboard.
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.
How it works
From design to doorstep
A guided path. We carry the regulated heavy lifting so your team ships the product.
Approve your card design
Work from templates or supply finished art for your program.
Configure fulfilment
Set personalization data, delivery options and activation rules.
Order via API
Trigger card production per cardholder from your product or dashboard.
Activate and spend
Cardholders activate in your app and transact worldwide on the network.
Who it's for
Built for teams that move money.
- Neobanks & fintechs
- Payroll card programs
- Loyalty & membership brands
- Corporate card products
- Remittance providers
- Crypto platforms
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 |
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.
Launch physical cards under your brand.
Tell us what you're building and we'll scope the right program and rails with you.