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Tell us who you are paying, how fast they need the funds, and where they will spend. We'll tell you whether virtual, physical, or both is the right fit, and what it takes to launch.
Virtual prepaid cards
Branded, digital prepaid cards, issued in minutes.
Virtual prepaid cards give your customers spendable funds the moment you issue them, with no card printing, no mail, and no waiting. Each card carries your branding, gets funded in minutes, and can be managed through a single portal or directly through our API.
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Load funds in minutes
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Use online, or in stores via mobile wallet
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Issue cards in minutes, not weeks
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Carry your brand on every card
Visa and Mastercard · Apple and Google Wallets · PCI DSS · USA & Canada
We operate programs for:
What is a virtual prepaid card?
A virtual prepaid card is a card number, expiration date, and CVV issued digitally rather than printed on a physical card. It holds a balance you load, and it works like any other Visa or Mastercard within that balance.
Speed
Get recipients spending in minutes
Physical cards have a production and delivery cycle, with waiting time while the cards are printed, packed and mailed.
Virtual cards remove that cycle entirely. You issue the card, the recipient receives it by email or SMS, and the funds are available as soon as the card is loaded. There is no shipment to track and nothing that could get lost in transit.
01
Issue
Order one card or a batch, by portal or API.
02
Deliver
The recipient gets the card by email, branded as you.
03
Spend
Funds are live as soon as the card is loaded. No shipment, no tracking.
Acceptance
Where virtual cards can be used
Online and in-app
Virtual cards work anywhere Visa and Mastercard are accepted. For most digital purchases, the cardholder enters the card number the same way they would enter any other card.
In person, via mobile wallet
For in-person purchases, the card needs to be added to a mobile wallet first. Virtual cards can be tokenized into Apple Pay or Google Pay and then the cardholder can tap to pay at any contactless terminal.
Branding
Your brand on every card
Virtual cards are white-labelled. Recipients experience the card as yours.
The card face
Your name, your logo, and your colours on the card design itself.
The issuing email
The notification that delivers the card comes from your program, not ours.
Cardholder screens
Every cardholder-facing screen carries your branding end to end.
Programs can run multiple designs at once. If you issue cards on behalf of several brands or for different use cases, each can have its own card face within a single program.
Operations
Manage every card from one place
We hold the contracts with the sponsor bank, the processor, and the card networks, so you don't have to manage them yourself. You get a single place to issue cards, load funds, and see what's happening across the program.
Issue and load
Order cards in bulk, then load or reload balances from the client portal or the API.
See the whole program
Check the status of any card, review load history, and resend card notifications.
Secure card details
Cardholders view their full card number, expiration date, and CVV through a secure digital interface, which we operate within a PCI DSS compliant environment.
Virtual, physical, or both
Neither format is universally better. The right choice depends on who is receiving the card and where they will spend it.
Format
Makes sense when
Time to spend
In-person spend
Format
Virtual
Best for
Speed matters, spend is mostly online, recipients are geographically dispersed, or per-card production and postage costs are hard to justify at your volumes
Reloadable
Minutes
Networks
Once added to a mobile wallet
Format
Physical
Best for
Recipients will spend in person, your audience spans a wide range of comfort with mobile wallets, or the card itself is part of the experience you are delivering
Reloadable
Production and mail cycle
Networks
Anywhere, including ATMs
Format
Both
Best for
Many programs run both, issuing a virtual card immediately and a physical card behind it
Reloadable
Same day, plastic later
Networks
Both routes
Frequently asked questions
A virtual prepaid card is a card number, expiry date, and CVV issued digitally. It carries a balance loaded by the program operator and can be spent anywhere Visa or Mastercard is accepted online, or in person once added to a mobile wallet.
Virtual cards are delivered digitally, so there is no production or mail cycle. Cards can be issued and funded in minutes, and recipients can spend as soon as the card is loaded.
Yes, once the card has been added to Apple Pay, Google Pay, or Samsung Pay. The recipient can then tap to pay at any contactless terminal. Without a mobile wallet, a virtual card is limited to online and in-app purchases.
Yes. Card issuance, funding, and status checks are all available through our API, so cards can be issued directly from your own platform or workflow.
Yes, we operate programs in both countries, each with its own banking partners and compliance framework.