Virtual Card
Platform.
White-label card issuing for crypto and fintech companies. Issue Visa and Mastercard virtual cards funded with crypto or stablecoin. Corporate expenses, ad spend, payroll, consumer spending — deployed across 180+ countries with full compliance baked in.
One Platform.
Every Card Use Case.
Corporate expense cards, consumer spending, or full expense management — same issuing infrastructure, your brand.
Corporate Expense Cards
Issue virtual cards for teams, departments, or individual employees. Set per-card spend limits, merchant category restrictions, and real-time approval workflows. Fund cards with stablecoin treasury and settle in fiat. Built for ad spend, SaaS subscriptions, travel, and vendor payments.
- Per-card and per-department spend limits
- Merchant category code (MCC) restrictions
- Real-time transaction alerts and approvals
- Multi-level approval workflows
Consumer Spending Cards
Let your users spend crypto anywhere Visa or Mastercard is accepted. Instant virtual card issuance from your app. Users fund with BTC, ETH, USDC, or any supported token. Auto-conversion to fiat at point of sale with competitive FX rates.
- Fund with 50+ cryptocurrencies
- Instant virtual card provisioned in-app
- Apple Pay and Google Pay compatible
- Real-time push notifications on spend
Expense Management Suite
Full expense management layer on top of card issuing. Receipt capture, category tagging, budget tracking, and accounting integrations. Connect to QuickBooks, Xero, or Netsuite. Export-ready reports for finance teams managing crypto-funded operations.
- Receipt capture and auto-matching
- Budget tracking and overspend alerts
- QuickBooks, Xero, and Netsuite sync
- Exportable reports for audit and compliance
Issue cards
via API.
We handle the rest.
A single API to create cards, fund them with crypto or stablecoin, set controls, and process transactions. We manage BIN sponsorship, network tokenization, 3DS authentication, fraud scoring, and settlement — so you ship a card program without becoming a card processor.
Virtual cards provisioned in under 2 seconds via API. Physical cards printed and shipped with your branding in 5-7 business days.
Fund cards with USDC, USDT, BTC, ETH, or 50+ tokens. Auto-conversion to fiat at point of sale with real-time settlement.
Per-card limits, MCC restrictions, velocity controls, geographic locks, and time-based rules — all configurable via API or dashboard.
Your brand on every card, every notification, every statement. Custom card art, branded cardholder portal, and co-branded compliance flows.
import { CardClient } from '@gizmolab/card-platform';
const client = new CardClient({
apiKey: process.env.GIZMOLAB_KEY,
programId: 'prog_your_program'
});
// Issue a virtual card funded with USDC
const card = await client.cards.create({
cardholder: 'ch_9xKm2...f7',
type: 'VIRTUAL',
network: 'VISA',
currency: 'USD',
fundingSource: 'USDC',
spendLimit: 5000,
spendInterval: 'MONTHLY',
allowedMCC: ['7311', '7372', '5734']
});
// card.number -> 4242 **** **** 7891
// card.status -> ACTIVE
// card.issued -> 1.4sCompliance. Security. Scale.
Regulated from day one
Card programs launched under licensed BIN sponsors with full KYC/KYB, AML screening, and transaction monitoring baked in. We handle the regulatory complexity so you focus on product. Multi-jurisdiction support across US, EU, UK, LATAM, and APAC.
- Licensed BIN sponsor partnerships
- Built-in KYC/KYB with tiered verification
- Real-time AML and sanctions screening
- PCI DSS Level 1 compliant infrastructure
- Multi-jurisdiction regulatory coverage
Enterprise-grade card security
Every transaction authenticated with 3D Secure 2.0, real-time fraud scoring, and configurable velocity controls. Card data encrypted at rest and in transit. Tokenized card numbers for Apple Pay, Google Pay, and e-commerce. Zero raw PAN exposure to your systems.
- 3D Secure 2.0 authentication on all transactions
- Real-time fraud scoring and decline rules
- Network tokenization for mobile wallets
- Card data vaulted — zero PAN exposure to you
- Configurable velocity and geographic controls
Built for millions of cards
The same infrastructure runs programs from 100 cards to 10 million. Horizontal scaling, redundant processing nodes, and direct network connections ensure sub-second authorization decisions at any volume. 99.99% uptime SLA with active-active failover.
- Sub-second authorization processing
- 99.99% uptime SLA with active-active failover
- Direct Visa and Mastercard network connections
- Horizontal scaling — no volume ceilings
- Multi-region deployment for latency optimization
Everything You Need
To Issue Cards.
A complete card issuing stack — from provisioning to settlement. Every feature accessible via API, every event streamed in real time.
Card Controls API
Set spend limits, merchant category restrictions, geographic locks, and time-based rules per card via API. Update controls in real time without reissuing. Freeze, unfreeze, or terminate cards instantly.
Real-Time Transaction Streaming
Webhooks fire on every authorization, clearing, and settlement event. Build real-time dashboards, instant notifications, and automated accounting workflows. Sub-second event delivery with guaranteed ordering.
Multi-Currency Support
Issue cards in USD, EUR, GBP, or 30+ local currencies. Cardholders spend globally with competitive FX rates at point of sale. Fund from any supported cryptocurrency with auto-conversion at settlement.
3D Secure Authentication
Full 3DS 2.0 integration for e-commerce transactions. Frictionless authentication for low-risk transactions, step-up challenges for high-risk. Reduces chargebacks and shifts liability to the issuer side.
Virtual + Physical Cards
Issue virtual cards instantly via API for immediate use online and in mobile wallets. Offer physical cards with custom card art, embossing, and packaging. Manage both from the same API and dashboard.
Cardholder Portal & Mobile SDK
White-label cardholder portal for card management, transaction history, and spend analytics. Mobile SDK for iOS and Android with card provisioning to Apple Pay and Google Pay. Fully branded, fully customizable.
Built to plug into the rest of the stack.
Launch Your
Card Program.
Corporate expense cards, consumer spending, or a full neobank card product — same platform, your brand, your rules. From first API call to first card issued in days, not months.