Prepaid Card Issuing
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.
What 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.
Built for load-and-spend programs
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.
Launching a prepaid program
- 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 built for
Frequently asked questions
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.
Related pages
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