Launch a Mastercard prepaid card programme with real-time JIT (Just-In-Time) funding, granular spending controls, and complete lifecycle management. From virtual card issuance to clearing and settlement.
Everything you need to launch and operate a full prepaid card programme
Instant virtual card creation with full PAN, CVV, and expiry. Customers can use their card immediately for online purchases, even before the physical card arrives.
Just-In-Time funding pulls from customer wallets at the moment of transaction. Sub-2-second response time meets card network requirements.
Per-card daily and monthly limits. Gambling block feature (MCCs 7995, 7800, 7801, 7802) with configurable 7-day cooldown period.
Complete lifecycle management from issuance through activation, replacement, suspension, and cancellation. PIN management and card status tracking.
Automated clearing file processing with dual-message transaction support. Reconciliation between authorisations and settlement records.
84 MCC category mappings for detailed spending breakdowns. Daily, weekly, and monthly trend analysis for customer insights.
Five steps from customer application to live card usage
KYC-verified customer requests a card through the Investor Portal or mobile app.
Virtual card issued immediately with full card details. Ready for online transactions in seconds.
Customer funds their card wallet. JIT funding ensures real-time balance checks on every transaction.
Customer uses their card with configurable spending limits, category blocks, and real-time notifications.
Automated clearing processes reconcile authorisations with settlement files from the card network.
Advanced capabilities for a production-ready card programme
Real-time event notifications for transactions, status changes, and settlement. HMAC-SHA256 signed webhooks for security.
Points-based rewards system with configurable earn rates. Tiered rewards based on customer status and spending volume.
Configure automatic wallet top-ups when balance falls below a threshold. Ensures uninterrupted card usage.
Complete card programme management with product configuration, transaction monitoring, and customer card controls.
Explore our card processing capabilities with a guided demo. See JIT funding, spending controls, and the admin dashboard in action.