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Issuing

Empower Your Business with xMoney's Card Issuing Solution

Issue physical and virtual cards, reinforce your brand, streamline operations, and manage your card program with our powerful APIs. Designed for marketplaces, businesses, enterprises, and innovative platforms.

Get Started
Smartphone screen displaying a virtual xMoney card in a digital wallet under "My cards." Below the card, users can select card colors (Purple, Lime, Plum, Blue) and choose options such as Physical Card, Virtual Card, and Custom Design. The background features soft green tones and houseplants for a modern, calming aesthetic.

Launch Faster with Scalable Card Issuing

Designed for growth and seamless integration.

A collection of five stylized xMoney-branded Mastercard cards in various colors (purple, silver, teal, black, and a mix of shades), arranged in a dynamic, floating layout. Each card features a prominent “X” logo with artistic texture, showcasing customizable design options. Colorful circular gradients highlight each card's unique style.

Issue your own customized cards.

Take control of your funds and branding

Two xMoney payment cards with labeled tabs — one purple virtual card in the foreground and a silver physical card behind it.

Physical and Virtual Cards

Flexible payment solutions with single or multi-use virtual cards and convenient physical cards for any transaction.

Highlighted feature list on a soft purple background including: Human support, Spending limits, Instant payment notification, and Freeze anytime.

Authorization & Spending Control

Set custom transaction rules with real-time authorization, spending limits, and category-based controls for enhanced security and flexibility.

Smiling woman in a white sleeveless dress holding a smartphone and payment card, illuminated by soft purple lighting.

Increased Flexibility

Take control of your finances with branded cards, customizable spending limits, and seamless fund management.

Colorful abstract background with the xMoney logo overlayed on geometric shapes including a triangle, circle, and square.

Branded Cards

Enhance your brand with customizable cards, featuring unique designs and cardholder details for a personalized touch.

Two smartphones showing xMoney cards saved in Google Pay and Apple Pay wallets, indicating successful digital wallet integration.

Mobile Wallet Provisioning

Securely add cards to Apple Pay and Google Pay for fast, convenient digital payments.

A payout confirmation interface showing a €120.15 transaction marked as successful, paid via VISA to Jane Elisabeth.

Streamlined Processes

Simplify payouts, business spending, and expense management with efficient card issuing and detailed spending controls.

“API operations list for card management showing three endpoints: GET /card, GET /card/{id}, and DELETE /card/{id}, with color-coded HTTP methods.”

API-Powered Management

Manage your entire card program programmatically with our robust RESTful APIs and webhooks for real-time authorizations.

Get in touch

How It Works

All in one platform

Design branded cards, integrate with powerful APIs, and manage issuance seamlessly.

Seamlessly integrate with powerful APIs for real-time authorization, card management, and flexible spending controls—built to scale with your business.

Get in touch
Smiling woman sitting at a desk using a laptop displaying a colorful interface, with an open notebook beside her, in a cozy, softly lit workspace.

Design Your Cards

Customize card design, branding, and details for a unique and professional look.

Integrate with Our APIs

Easily create, manage, and control cards with powerful APIs for seamless authorization and customization.

Issue & Manage Cards

Easily issue and control cards through our platform or APIs, with full flexibility and oversight.

Features and Functionality

A more detailed breakdown of the card issuing platform's capabilities

The image features three credit or debit cards stacked on top of each other. The cards have a minimalist design with varying colors: a teal-colored card with a reflective "X" logo in the center, a black card, and a silver card. The bottom left corner of the teal card has the Mastercard logo in orange and red. The background is light blue, and the cards have a sleek, modern appearance.

Card Issuance & Management

Card Issuance

Issue virtual and physical cards.

Offer advanced card customization options.

Issue cards in EUR, RON, GBP, and USD.

Card Customization

Advanced customization options (design, cardholder details).

Card Management Tools

Card activation / deactivation, PIN management.

Merchant category controls (block/allow specific categories).

Spending Controls

Geographic controls (block / allow specific countries).

Spending limits (transaction limits, time-based limits, category-specific limits).

Powerful API

Card Issuance API

Issues virtual and physical cards programmatically.

Card Management API

Handles activation, deactivation, replacements, and PIN management.

Spending Controls

Spending Control API sets limits, merchant restrictions, and geographic controls.

Authorization

Authorization API manages real-time transaction approvals with custom rules.

Cardholder & Security

Creates and manages profiles with KYC/AML compliance.

Network Token API provisions cards to Apple Pay and Google Pay.

Real-Time Notifications

Webhooks API sends instant updates on transactions and card status.

The image shows two examples of API requests using curl commands. The top section demonstrates a GET request to retrieve card information with a query string to filter by card status. The bottom section shows a DELETE request to remove a specific card identified by its ID. Each example includes the full curl command with a placeholder for a JWT token in the header for authorization. There is a "Try it" button at the bottom right of each section, and the background is light blue.
The image shows a close-up of a workspace with a hand holding a smartphone in the foreground. The phone's screen displays transaction details, including a card payment interface with options for making a refund. In the background, a laptop is visible, showing a web interface with "Order Details" and "Propose Refund" sections. A few items, such as tubes of cream, are visible next to the devices on the table, suggesting a business or financial context. The overall color scheme of the laptop interface is purple and green.

Transaction Controls & Fund Management

Authorization Control

Granular transaction rules.

Real-time cooperative authorization with custom rules.

3D Secure enrollment for SCA compliance.

Funding flexibility

For merchants: Fund via acquiring earnings or bank transfers.

For individuals: Top up with crypto or other cards; spend crypto directly from their card.

Dispute Management

Efficient dispute resolution tools.

Secure Card Data Management

Reveal Card Details

Allow cardholders to securely view their card details, such as the PAN, through your application.

Change PIN

Enable cardholders to change their PIN securely.

Secure Handling of Card Data

PCI-compliant methods for managing sensitive information.

JavaScript & iFrames

Ensures secure display of card details within web/mobile apps.

The image shows a person in a café holding a smartphone with a digital payment interface on the screen. The phone is being used to make a contactless payment, as indicated by a card symbol and the text "28.95" on the display. The person is holding a physical card in their other hand, which is partially visible. In the background, a coffee cup with latte art and other items like sugar packets and a coffee machine are visible on the counter. A second person, wearing a white shirt, is standing across from them, likely in the process of completing the transaction.

Compliance and Security

Your security and compliance come first. xMoney’s issuing solutions are built to exceed industry standards—protecting your business and your customers with the highest level of trust, privacy, and fraud prevention.

PCI DSS Compliance

Our system is PCI DSS compliant, ensuring secure cardholder data handling.

Data Privacy

We comply with GDPR and CCPA to protect user data.

Fraud Prevention

Fraud detection, prevention, and real-time monitoring safeguard transactions.

Transaction Security

SCA support for online transactions, encryption, tokenization, and multi-factor authentication.

Learn more about how we protect your business

Use cases

Branded Customer Debit Cards

Offer your customers branded physical or virtual debit cards that keep your company top-of-wallet and deliver a seamless payment experience anywhere cards are accepted.

Customer Rewards & Incentives

Launch branded prepaid or gift cards to reward loyal customers or run special promotions—boosting engagement and making your brand top-of-wallet.

In-App Card Issuing for Fintechs

Instantly issue cards within your app or platform, giving users immediate access to spending, budgeting, and rewards—no bank visits or paperwork needed.

Digital Wallet Integration

Instantly issue virtual cards that customers can add to their mobile wallets (Apple Pay, Google Pay, etc.) for seamless, secure payments online and in-store—enhancing your brand’s digital presence and user convenience.

Join 5,000+ businesses already growing

We build and integrate solutions. You grow with xMoney

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