- < 60 s from approval to a usable virtual card
- 12 card controls customers set themselves
- In-app 3-D Secure approvals, no SMS codes
- 24/7 freeze, unfreeze and replace from the app
Controls customers
actually use.
Every control lives in the app and updates the authorisation rules in real time - no call centre, no waiting.
- Freeze and unfreeze instantly
- Limits per merchant category, channel and country
- Reveal card details and PIN securely in-app
A full card programme, not a
plug-in.
Issuing, processing and controls in the same core as accounts and payments.
-
Virtual first
Customers pay online and in-wallet before the plastic arrives.
-
Physical cards
Your design, produced and shipped by your chosen card bureau.
-
Tokenisation
Wallet provisioning with network tokens out of the box.
-
Fraud controls
Real-time rules and scores on every authorisation.
-
Business cards
Per-employee cards with budgets and receipt capture.
-
Disputes & chargebacks
Raised in the app, worked in the backoffice.
Authorisations,
straight into the
ledger.
Every authorisation places a hold in the ledger in real time and clearing settles it - so the balance in the app is always right.
- Holds and releases posted as they happen
- Partial and incremental authorisations
- Clearing matched to the original hold automatically
| Time | Account | Amount | Reference |
|---|---|---|---|
| 09:12:04.118 | Current · EUR | − 23.90 | Auth hold · Café Lumen |
| 09:12:04.119 | Card holds | + 23.90 | Auth hold |
| 11:40:51.002 | Card holds | − 23.90 | Clearing |
| 11:40:51.003 | Card clearing | + 23.90 | Clearing |
| 12:02:17.560 | Current · EUR | − 64.00 | Auth hold · Transit |
| 12:02:17.561 | Card holds | + 64.00 | Auth hold |
Debits = creditsΔ 0.00 · balanced
Questions,
answered.
Programme set-up, schemes and who does what.
-
No. You can launch on a partner BIN and migrate to your own later without reissuing customer cards in the app.
Tap to issue your first card.
Issue a virtual card in the demo app, set a limit and watch the authorisation land in the ledger.