Card Issuing
Launch Branded Cards - Fast, Secure & Customizable
Issue virtual or physical debit cards under your brand – powered by secure APIs, built-in compliance, and bank partnerships.
Why Card Issuing Matters
Card Issuing lets you deliver branded payment cards – virtual or physical – without owning the infrastructure. FinLego’s platform enables fintechs and crypto businesses to issue, manage, and control card programs through modern APIs and compliant back-end systems.
It removes the complexity of connecting to networks (Visa, Mastercard), handling security, managing compliance, and operating issuance logistics – all while maintaining full brand ownership and control over the user experience.
Deliver and Manage Cards as Part of Your Financial Stack
Virtual & Physical Cards
Issue digital cards for instant online use and physical cards for in-store spend, with your branding across platforms. Support EMV, contactless payments, and mobile wallet tokens.
Card Design & Control
Customize card artwork, spending categories, PINs, and tokenization settings. Set spend limits, merchant restrictions, and dynamic CVV rules - configured per card or user segment.
Multi-Currency Support
IIssue cards tied to different underlying currencies. Combine with wallet balances for automatic currency selection and FX flows - ideal for global users.
Instant Issuance via API
Enable users to generate virtual cards instantly - ready for digital spend or tokenization in Apple Pay or Google Pay. Issue physical cards via fulfillment partners with real-time status updates.
Fraud & Authorization Rules
Apply real-time fraud detection, geolocation controls, velocity thresholds, merchant category controls, and authorization routing - either to decline, hold for review, or approve.
Integrated Ledger & Billing
Each card transaction auto-posts to your ledger. Fees, currency markups, and refunds are tracked and billed automatically - no manual reconciliation needed.
Compliance & KYC Integration
Linked with Octalas’s KYC/AML tools. Only KYC-KYB verified users can receive cards. All card-related actions adhere to issuer and scheme-level compliance rules.
Ideal Use Cases for Card Issuing
Branded Card Capability Without the Complexity
Speed to Market
Skip scheme approval and technical integration delays - launch card programs in weeks using our API and trusted partner connectors.
Cost-Efficient Card Issuance
Avoid building your own issuing stack. Pay for usage with modular pricing - virtual or physical cards, processing and fulfillment all included.
Multi-Rail & Multi-Currency Issuing
Out of the box, you can configure how to record wallet top-ups, cross-currency conversions, commissions, partner payouts, and more.
Full Control Over Customer Experience
Your design, your UX, your rules - down to card limits, CVV policies, and customizing spend categories. The card looks and feels like yours.
Compliance Built-In
Issuer license, PCI-DSS aligned infrastructure, KYC/KYB integration, sanction checks - compliance isn’t an afterthought, it’s embedded.
Built-in Risk & Fraud Logic
Configure fraud rules and authorization logic without coding new modules. Monitor declined transactions, velocity spikes, and abusive behavior in real time.
Structured & Secure by Design
Secure Card Handling
- EMV-compliant card issuance
- Tokenization (Apple Pay, Google Pay)
- Dynamic CVV, PIN rules, secure customer data management
Fraud & Transaction Protection
- Real-time detection of unusual spend patterns
- Velocity and geolocation controls
- Merchant category spending restrictions
Compliance Infrastructure
- KYC/KYB gating before card issuance
- PCI-DSS support via our licensed partners
- Full audit logs for all reversals and authorization events
Card Issuing Program in Action - 5 Steps
