Card API

Card API is a simple API where we hold your customer’s balance for you

The Card API is a prepaid card management interface that enables you to instantly generate and issue virtual and/or physical cards. These cards are funded from a stored value account (SVA) and are loaded as a balance on the card. The Card API is different from the Companion API in that Paymentology stores the customer’s balance and we are responsible for authorizing transactions based on the stipulated card balances and limits.

With this API, you can provide anything from simple gift cards to multi-currency cards for traveling, payout and payroll cards or general-purpose reloadable cards for the unbanked, and many other types of secure payment cards. It offers a prepaid card and pocket management solution that acts as a link between Mastercard, Visa, Union Pay International, bank switches, and various customer cards.

Choose the Card API if you would like Paymentology to store the customer’s balance and be responsible for authorizing transactions.

If you want to hold your customer’s card balances on your own platform, use the Companion API instead. If you’re not sure which API to choose, read about our APIs first or get in touch.

 

Card API transaction processing flow diagram

Choose the Card API if you want to:

Have Paymentology store the customer’s balance and be responsible for authorizing card transactions, based on the stipulated card balances and limits.

Issue virtual and physical cards that also give their customers access to global open-loop environments, such as Mastercard, Visa, and Union Pay International.

Introduce multiple pocket balances that sit within the card for handling savings, multi-currencies, and more.

Add or deduct funds from the customer’s stored value account.

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