Card Issuing Infrastructure

Launch branded physical and virtual card programs with full issuing bank sponsorship. Deploy debit and credit cards with programmatic controls and real-time authorization.

White-Label Card Programs

VectorOne enables platforms to issue fully branded payment cards without the complexity of becoming a card issuer. We manage relationships with card networks (Visa, Mastercard) and issuing banks, providing you with a complete card program infrastructure accessible via modern APIs.

Whether you need virtual cards for instant digital spending, physical cards for everyday use, or sophisticated corporate card programs, VectorOne provides the technology stack and regulatory framework to launch quickly and scale efficiently.

Card Types & Programs

Virtual Cards

Instantly issue single-use or reusable virtual cards for online transactions, subscriptions, and digital spending. Generate cards programmatically via API.

Physical Cards

Branded plastic cards with custom designs, embossing, and contactless payment capabilities. Express and standard fulfillment options available.

Debit Card Programs

Link cards to deposit accounts for everyday spending. Support for PIN and signature transactions, ATM withdrawals, and online purchases.

Credit Card Programs

Issue credit cards with flexible underwriting, credit limits, and billing cycles. Full credit lifecycle management included.

Prepaid Cards

Load-and-spend prepaid card programs for rewards, incentives, expense management, and controlled spending scenarios.

Corporate Cards

Enterprise expense management with employee cards, spending controls, receipt matching, and accounting integrations.

Advanced Features

Real-Time Authorization

Approve or decline transactions in milliseconds with programmable authorization logic and spending rules.

Programmatic Controls

Set spending limits, merchant restrictions, geographic controls, and time-based rules via API.

Transaction Webhooks

Real-time notifications for authorizations, settlements, disputes, and card lifecycle events.

Fraud Prevention

Built-in fraud detection, velocity checks, and risk scoring with machine learning-powered monitoring.

3D Secure Authentication

Built-in 3D Secure support for online transactions with step-up authentication when required.

Digital Wallet Support

Add cards to Apple Pay, Google Pay, and Samsung Pay with tokenization and secure element management.

How It Works

1. Program Setup

We establish your card program with issuing bank partners and card networks. Define your card designs, branding, and program parameters.

2. Issue Cards

Create cards programmatically via API. Generate virtual cards instantly or order physical cards for fulfillment.

3. Authorize Transactions

Configure authorization rules and spending controls. VectorOne processes transactions in real-time with your custom logic.

4. Manage Lifecycle

Handle card activation, freezing, replacement, and closure via API. Monitor transactions, disputes, and chargebacks through our dashboard.

Use Cases

Neobanks & Fintech

Consumer and business banking apps offering branded debit cards with modern features and controls.

Expense Management

Corporate spend management platforms issuing employee cards with automated policy enforcement and reporting.

Rewards & Loyalty

Prepaid reward cards for customer incentives, cashback programs, and employee benefits.

Travel Platforms

Single-use virtual cards for travel bookings, dynamic spending limits, and fraud protection.

Lending Platforms

Credit cards tied to lines of credit with flexible underwriting and payment terms.

Gig Economy

Instant pay cards for gig workers, contractors, and freelance platforms with immediate fund access.

Compliance & Security

All cards are issued by VectorOne's licensed banking partners in compliance with card network rules and regulations. We handle PCI DSS compliance, tokenization, and secure card data storage.

Regulatory Note: VectorOne is not a bank or card issuer. Cards are issued by licensed banking partners through established card networks.

Ready to Launch Your Card Program?

Speak with a VectorOne card issuing specialist about your requirements

Request a Partnership Call