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Prepaid Cards

Prepaid Card Issuing

No scheme membership. One API. Launched under your brand.

Load-first cards for payouts, benefits, gifting and controlled spending. Prepaid programs run on the same NetPay issuing rails with balance management designed for load-and-spend models.

  • Reloadable or single-load
  • Programmatic loads
  • Spend controls
  • Virtual + physical
Book a demoSee pricing
NetPay consolePrepaid Cards / Production Live
Your program
  • Reloadable or single-loadSupport ongoing balances or fixed-value cards for incentives, refunds and campaigns.
  • Programmatic loadsFund cards via API — one card or thousands in a batch — with instant balance availability.
  • Spend controlsCategory, merchant, country and amount rules keep prepaid funds used exactly as intended.
  • Virtual + physicalDeliver prepaid value as an instant virtual card, a branded plastic card, or both.
Launch checklist
  1. Pick the model
  2. Configure controls
  3. Issue and load
  4. Monitor 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 prepaid cards under your brand
Ready
Building it with a bankIdle: press Launch the program
  1. Apply for card scheme membership
  2. Negotiate a sponsor bank and BIN
  3. Build and certify a PCI DSS environment
  4. Integrate processor, KYC and ledger vendors
  5. 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
  1. Pick the model
  2. Configure controls
  3. Issue and load
  4. Monitor spend

Same program. One partner, one API and one contract.

Capabilities

Built for load-and-spend programs

Everything here runs on the same NetPay rails, API and dashboard.

Reloadable or single-load

Support ongoing balances or fixed-value cards for incentives, refunds and campaigns.

Programmatic loads

Fund cards via API — one card or thousands in a batch — with instant balance availability.

Spend controls

Category, merchant, country and amount rules keep prepaid funds used exactly as intended.

Virtual + physical

Deliver prepaid value as an instant virtual card, a branded plastic card, or both.

Balance visibility

Real-time balance and transaction events keep your program ledger authoritative.

Compliant onboarding

KYC flows scaled to program type, on PCI DSS Level 1 certified infrastructure.

How it works

Launching a prepaid program

A guided path. We carry the regulated heavy lifting so your team ships the product.

  1. Pick the model

    Reloadable general-purpose, payout cards, or fixed-value incentive cards.

  2. Configure controls

    Set load limits, spend rules and expiry that match the use case.

  3. Issue and load

    Create cards and push funds through the API, individually or in batches.

  4. Monitor spend

    Track balances and transactions in real time via webhooks and reporting.

Who it's for

Built for teams that move money.

  • Payroll & benefits providers
  • Gig & creator platforms
  • Insurance disbursements
  • Rewards & incentives programs
  • Travel money products
  • Government & NGO payouts
Talk to our team
Teams using Prepaid Cards
In one sentenceWhat is prepaid card issuing?Prepaid card issuing creates cards that spend only pre-loaded funds rather than drawing on a bank account or credit line. Businesses load value onto each card — once or repeatedly — and cardholders spend anywhere the network is accepted, within the controls set by the program. Prepaid rails suit payouts, employee benefits, incentives, travel money and customer refunds.
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 NetPayBuild in-houseLegacy processor
Card scheme membership Not needed, we sponsorRequiredUsually required
PCI DSS scope On our Level 1 systemsYours to certifyShared with you
Cards, IBANs and payouts One platformSeparate vendorsCards only
Integration One REST API and webhooksSeveral vendor APIsBatch files, legacy APIs
Sandbox before launch Full sandboxBuild your ownLimited
Your brand Every card, app and statementYesOften co-branded
FAQ

The questions teams actually ask.

Ask our team
What's the difference between prepaid and debit card programs?

A debit card draws on a deposit account balance; a prepaid card spends only what has been loaded onto it. Prepaid programs give the business tighter control over funding and are often simpler to distribute for payouts, benefits and incentives.

Can prepaid cards be reloaded automatically?

Yes. Loads are API-driven, so you can schedule recurring funding — like weekly payroll or monthly allowances — or trigger loads from events in your own product.

Do prepaid cards work internationally?

Cards spend wherever the network is accepted, subject to the country and channel controls you configure for the program.

Corporate expense cardsGlobal payoutsWhite label card issuingPhysical card issuing

Launch prepaid cards under your brand.

Tell us what you're building and we'll scope the right program and rails with you.

Book a demoSee pricing