everpay - Global payment processing platformeverpay

    Card Issuing Platform

    Issue Cards.
    Control Spending.
    Grow Revenue.

    Launch virtual and physical card programs for your merchants and customers. Build expense management, rewards programs, or payouts with our powerful card issuing infrastructure.

    Card issuing platform dashboard

    Card Issued

    Virtual Visa ending 4242

    Virtual

    And physical cards

    Controls

    Spend and merchant limits

    Always on

    Platform availability

    Global

    Card coverage

    Platform Capabilities

    Everything You Need to Issue and Manage Cards

    From instant virtual card creation to custom physical cards with your branding, our platform provides all the tools merchants need to launch successful card programs.

    Instant Virtual Cards

    Issue virtual cards instantly to your customers or employees. Cards are ready to use within seconds for online purchases, subscriptions, and digital wallets.

    Custom Physical Cards

    Design and issue branded physical cards with your logo and colors. Offer your customers a premium, tangible payment experience that reinforces your brand.

    Dynamic Spend Controls

    Set spending limits, restrict merchant categories, enable or disable international transactions, and manage card settings in real-time through our API or dashboard.

    Advanced Fraud Protection

    Built-in fraud detection and prevention tools including 3D Secure, real-time transaction monitoring, and instant card freezing capabilities.

    Real-Time Analytics

    Track spending patterns, transaction volumes, and card usage with comprehensive reporting and analytics tools built into your dashboard.

    Global Acceptance

    Cards are accepted at millions of merchants worldwide. Support for multiple currencies and seamless international transactions.

    Use Cases

    Built for Merchants of All Types

    Whether you're building expense management tools, loyalty programs, or payout solutions, our card issuing platform adapts to your unique business needs.

    Expense Management

    Empower your team with corporate cards that have built-in spending limits and real-time expense tracking. Eliminate reimbursement hassles and gain instant visibility into company spending.

    • Automated expense categorization
    • Receipt capture and matching
    • Policy enforcement at point of sale

    Customer Rewards Programs

    Launch branded prepaid or rewards cards that drive customer loyalty. Enable cashback, points accumulation, and exclusive merchant offers directly on the card.

    • Customizable reward structures
    • White-label card designs
    • Customer spending insights

    Payouts & Disbursements

    Instantly pay contractors, vendors, or affiliates with virtual or physical cards. Eliminate the delays and costs associated with traditional payment methods.

    • Instant fund availability
    • No bank account required
    • Multi-currency support

    Fleet & Travel Management

    Issue cards specifically for fuel purchases, travel expenses, or on-the-road costs. Get detailed transaction data and control spending by merchant category.

    • Fuel-only card restrictions
    • Real-time location tracking
    • Detailed L3 transaction data

    How It Works

    Launch Your Card Program in Days, Not Months

    Our streamlined integration process and comprehensive documentation get you from signup to issuing cards faster than any other platform.

    01

    Integrate Our API

    Connect to our RESTful API with comprehensive documentation and sandbox environment. Most merchants integrate within days, not weeks.

    02

    Configure Your Program

    Design your card program through our dashboard. Set spending rules, customize card designs, and configure reward structures.

    03

    Issue Cards

    Start issuing virtual cards instantly or order custom physical cards. Each card is linked to your program settings automatically.

    04

    Manage & Scale

    Monitor transactions, manage cards, and scale your program with our enterprise-grade infrastructure designed for growth.

    Enterprise-Grade Security

    Bank-Level Security for Every Card

    Every card issued through Everpay is protected by industry-leading security measures. From tokenized card data to real-time fraud monitoring, we ensure your card program is secure at every level.

    • Tokenized card data and encrypted infrastructure
    • 3D Secure 2.0 for online transactions
    • Real-time fraud detection and prevention
    • Instant card freezing and controls
    • Tokenization for secure data storage
    • 24/7 transaction monitoring
    Secure card infrastructure
    // Create a virtual card
const card = await everpay.cards.create({
  type: 'virtual',
  cardholder_name: 'John Doe',
  spending_limit: {
    amount: 5000,
    interval: 'monthly'
  },
  merchant_categories: ['travel', 'office'],
  metadata: {
    department: 'Engineering',
    employee_id: 'EMP-12345'
  }
});

// Card created successfully
{
  id: 'card_1234567890',
  last4: '4242',
  exp_month: 12,
  exp_year: 2027,
  status: 'active',
  ...
}

    Developer-First

    Simple, Powerful APIs

    Our RESTful APIs and webhooks make it easy to integrate card issuing into your existing systems. Comprehensive documentation, SDKs for popular languages, and a full sandbox environment help you get started quickly.

    • RESTful API with JSON responses
    • Webhooks for real-time event notifications
    • SDKs for Node.js, Python, Ruby, and more
    • Interactive API documentation
    • Full sandbox environment for testing

    Card issuing: virtual and physical cards with spending controls

    Card issuing lets a business create payment cards for its employees, customers or partners, with controls over where and how much they can spend. Virtual cards can be created instantly for online use, while physical cards cover in-person spending.

    Everpay Card Issuing provides spending limits, real-time authorization and reporting through one platform.

    What is the difference between virtual and physical cards?

    A virtual card is a card number issued digitally, with no plastic. It can be created in seconds, used for online purchases or added to a mobile wallet, and often limited to a single merchant or a single use. That makes it well suited to vendor payments, subscriptions and one-off spend.

    A physical card is a plastic card issued for in-person use, such as employee expenses, travel or customer programs. It takes longer to produce and deliver, and can be branded. Many programs use both: virtual cards for immediate and controlled online spend, and physical cards for people who need to pay in person. Which to use depends on who is spending, where and how much control you need.

    How do spending controls, limits and real-time authorization work?

    Controls decide what a card can and cannot do. Typical options include limits per transaction, day or month, restrictions by merchant category or country, time windows and the ability to freeze or close a card instantly. These rules apply at the moment of purchase, so a transaction that breaks policy can be declined before money moves.

    Real-time authorization goes a step further by letting the program approve or decline each purchase against your own logic, such as a budget or an approved-vendor list. Good controls reduce misuse and shorten the expense review cycle, but they should be tested carefully, because an overly tight rule can decline legitimate spend. See fraud prevention for related risk tools.

    • Employee and team expense cards with category limits.
    • Single-use virtual cards for supplier and vendor payments.
    • Customer reward, prepaid or payout cards.
    • Platform and marketplace spend cards for sellers or workers.

    What are the compliance, KYC and BIN sponsor responsibilities?

    Card issuing is regulated. Cards are issued under a BIN, a number range assigned by the card network, and a regulated bank or other eligible institution typically sponsors the program. A program manager, which can be a platform like Everpay working with partner institutions, handles the product, controls and operations on top of that relationship. Everpay is not a bank, and cards are issued through partner institutions.

    Responsibilities for KYC, KYB, sanctions screening and transaction monitoring are shared between the sponsor, the program manager and you, and depend on the program design and local rules. Cardholders usually need to be verified before use, and prohibited uses and spending limits can apply. Eligibility depends on your business, location and use case, and approval is never guaranteed. Review the trust center and AML policy, and contact us to discuss whether a card program fits your model.

    Virtual and physical cards

    Create single-use or reusable virtual cards in seconds, and issue physical cards for teams and customers.

    Spending controls

    Set limits by amount, merchant category, country and time, and freeze cards instantly.

    Real-time authorization

    Approve or decline transactions against your own rules at the moment of purchase.

    Compliance and partners

    Cards are issued through partner banks with KYC and monitoring. See the trust center for disclosures.

    Use cases

    • Employee expense and travel cards.
    • Single-use virtual cards for vendor payments.
    • Customer rewards or payout cards.
    • Marketplace and platform spend cards.

    Industries served

    • Fintech
    • Travel
    • Marketplaces
    • Corporate expense
    • Gig platforms
    • Logistics

    Frequently asked questions

    Ready to grow your business?

    Get a free demo and see how Everpay can help you accept payments globally, prevent fraud, and increase revenue.