Card Issuing | Chargeit

All-in-One Card Issuing Solution

Accelerate the launch of your card program and enhance performance with ChargeIt’s comprehensive suite of modern card issuing, processing, management, compliance, and reporting tools—all in one platform.

Tailored Customer Experiences

Design unique card experiences that are easily scalable and customizable, featuring a range of options like card designs, digital wallets, and spending controls.

Streamlined Cash Flow

Utilize automated transaction outcomes with accept or reject logic tailored to your business rules. Fund cards immediately upon authorization, eliminating pre-funding complexities.

Unlock New Revenue Opportunities

Issuing cards allows you to earn a share of interchange revenue with every transaction. Maximize your impact with transparent pricing, detailed reconciliation, and rich transaction reporting.

Card Management

Build a card program and issue virtual or physical cards that exactly match your use case

Contactless payments

Instantly provision cards into digital wallets to extend your program’s reach

Instant issuing

Enable payments that can be faster than ACH and more cost-effective than checks

Custom payment experiences

Validate criteria such as vendor, amount, time, and location in real time

Granular fraud control

Dynamically approve or reject transactions in real time based on contextual data

Funding Control

Maintain oversight of your card program with precise funding controls, enabling you to set spending limits and manage budgets effectively.

Fast reconciliation

Insert custom metadata into transaction records to accelerate reconciliation with your ordering or sales system

Program Manager：Meeting Every Business Needs

No matter who you are serving, ChargeIt payments platform can help you quickly launch and scale your consumer or commercial card program.

Program Management

Create programs with customizable card designs and parameters. View all cards under a program, issue new virtual or physical cards, and tailor reward programs to meet specific business needs.

Dynamic Spending Controls

ChargeIt' card offering enables you to evaluate card transaction data and apply your own authorization logic and funding preferences. Additionally, you can set spending limits, merchant category restrictions, dollar amounts, and country restrictions. Mix and match these controls to suit your specific needs.

Transactions Monitoring

Access detailed transaction histories with specific drill-down capabilities. Our platform supports transaction adjudication to ensure real-time updates and transparency, providing comprehensive insights into transaction statuses.

Customer Management

Enhance customer management with automated KYC verification and streamlined onboarding. Monitor cardholders and transactions comprehensively to manage and mitigate risks effectively. The demand for secure and efficient digital-first payment solutions is growing.

Efficient Card Issuance Solutions for Your Business

Our Card Issuance Module offers a robust solution for businesses to streamline and enhance the card issuance process. By leveraging our API and card program, you can efficiently issue virtual or physical cards tailored to your users' needs.

Open APIs

ChargeIt’s Open APIs enable extensive customization for issuing a variety of card programs. Through our flexible and robust API framework, you can seamlessly issue prepaid cards, gift cards, and spendable cards, catering to diverse user needs.

Comprehensive Card program Management

Card program is specifically designed for building and managing the Card Issuance Module. It supports real-time card generation, activation, management, and transaction inquiries, significantly improving operational efficiency.

Empowering Businesses with ChargeIt Card Programs

Streamlined Card Issuance

Quickly issue virtual or physical cards tailored to specific business needs, allowing companies to launch their card programs without delay.

Enhanced Fraud Prevention

Utilize real-time fraud detection and dynamic spending controls to safeguard transactions, ensuring that businesses can operate securely while minimizing risks.

Comprehensive Transaction Insights

Access detailed transaction histories with drill-down capabilities, giving businesses the ability to analyze spending patterns and make informed financial decisions.

Tailored Reward Programs

Develop customized reward programs that resonate with customer preferences, enhancing engagement and loyalty while driving business growth.

Key Features

Payout Portals

Leverage our portals, API, and PCI widgets to conveniently pay vendors online. Grant your payout recipients the ability to select their preferred payment option.

Multiple Payment Methods

Pay your customers and vendors through various channels, including virtual cards, physical plastics, direct deposits, eChecks, instant deposits, and more.

Vendor Enablement

From day one, automate 100% of your supplier payments and facilitate connections with recipients to ensure quick and hassle-free payments.

Reconciliation

We simplify reconciliation by tracking invoice payment and cashing in by customers, vendors, and suppliers.

Visibility & Tracking

Enjoy real-time visibility of outbound payments to vendors, customers, contractors, or any other recipients.

Enhanced Security

Our platform offers spend controls, approval workflows, PCI compliance, and fraud prevention tools to provide you with peace of mind.

API-First Approach

Approve, create, track, and receive payouts seamlessly through our API. Embed payout and recipient UIs within your platform effortlessly.

Tailor Your Experience to Fit Your Needs

Whether launching a card product to engage customers, pay suppliers, or manage business expenses, ChargeIt offers a modular solution that lets you select the capabilities you need for optimal payment experiences.

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Select Your Card Type

Choose the right debit or prepaid card to meet your specific requirements. Our platform supports physical cards and single or multi-use virtual cards for seamless online, offline, or in-app payments.

Enhance Your Brand Presence

Stand out with custom card designs, eco-friendly materials, and innovative carriers. Instantly issue virtual cards to cardholders while we take care of all aspects of physical card production, fulfillment, and shipping.

Cater to Digital-First Users

Create convenient, digital-first payment experiences. Cardholders can effortlessly add their cards to Apple Pay and Google Pay wallets—whether on smartphones or wearables—through both in-app and manual provisioning.

Mitigate Risk Exposure

Safeguard against fraud and enforce business policies by establishing customizable rules for fund usage. Set specific limits on transaction amounts, blocked industries, and card expiry dates to enhance control.

Manage Every Spending Decision

Protect your revenue with a real-time decisioning engine that efficiently approves or declines transactions at scale. We can handle decision-making for you through a sophisticated combination of card checks and spend controls, or you can manage each authorization request within your own system.