Virtual or physical. Visa or Mastercard. Single-use, vendor-locked, employee expense, AP settlement. Real-time spend controls, MCC blocks, live freezes, and a native sync to AP.
One card per invoice, locked to the vendor and amount. No vendor lock-in to scary "keep my card on file" forms.
Virtual by default, physical on request. Category limits, MCC blocks, live receipt capture, auto-sync to NetSuite.
One card per vendor. Locks to their MCC and name. Auto-block anyone else trying to charge.
Every control finance has ever wished for, exposed as an API parameter.
PAN, CVV, expiry returned in the API response. Use it in under 3 seconds.
Chip-and-PIN, contactless, 3DS. Ship to 60 countries in 3-5 days.
Daily, weekly, monthly, lifetime. Rolling or reset. Auto-decline on breach.
Engineering cards block 7995 (gambling). Travel cards allow 4511 (airlines).
Lock to a specific merchant. Decline if the swipe comes from anyone else.
API call freezes a card in <100ms. Issuer-level, not authorization-level.
We text the cardholder after every swipe. They reply with a photo. We OCR.
Built-in 3DS2 challenge flow. SMS or authenticator, admin-configurable.
Pay vendor invoices via card, earn competitive cash-back. Auto-credited to your operating balance. Rate set in your contract.
Push-provisioning from our SDK. One tap, card lives in Wallet.
Decline dynamically. Check the invoice, the budget, the weather. You decide.
Cardholder picks the GL account in our mobile app. Synced to NetSuite same day.
Employee, vendor, or AP agent requests a card. In-app, by Slack, or by API.
Set type, limits, MCC rules, vendor lock, expiry. Or use a template.
Virtual: PAN back in <3s. Physical: shipped same day, 3-5 days in hand.
Swipe, tap, online. Every auth streams to your ledger and AP sync.
One endpoint, a dozen controls. Hook into auth.created to approve or decline in your own logic.
const card = await payouts.cards.create({ type: "virtual_single_use", funding: "acc_usd_operating", limit: { amount: 1284000, period: "total" }, merchant_lock: "AMAZON WEB SERVICES", mcc_allow: ["7372"], label: "AWS · INV-1248", }); // -> { id, pan, cvv, exp_month, exp_year, ... }