# Cards issuing - CorebankOS

> Virtual and physical debit and credit cards, issued from the core and controlled from the app - freezes, limits, PINs and wallets included.

Source: https://corebankos.com/solutions/cards-issuing

## Issue cards in minutes, not quarters.

Virtual and physical debit and credit cards, issued from the core and controlled from the app - freezes, limits, PINs and wallets included.

- **<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

## Questions, answered.

Programme set-up, schemes and who does what.

### Do we need our own BIN?

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.