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Virtual Cards

Virtual cards are digital Mastercard cards that can be used for online payments. They have real card numbers, CVVs, and expiration dates, but exist only digitally.

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Card Types

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By Usage

TypeDescriptionUse Case
RELOADABLECan be funded multiple timesRecurring expenses, employee cards
ONETIMESingle-use, terminated after first transactionSecure single purchases

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By Network

NetworkAvailabilityNotes
MASTERCARDAvailableCurrently supported
VISAComing SoonUnder development

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Card Lifecycle

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Card Statuses

StatusDescriptionTransactions Allowed?
ACTIVECard is operationalYes
INACTIVECard is frozen/suspendedNo
TERMINATEDCard is permanently closedNo

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Creating a Card

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Required Parameters

ParameterTypeDescription
cardholderIdstringID of the cardholder
nameOnCardstringName to display (4+ alphanumeric chars)
amountnumberInitial funding amount (min $5)
cardTypeenumMASTERCARD (only option available)
cardUsageenumRELOADABLE (only option available)
spendingLimitenumMonthly limit: 5000 or 10000 USD
spendingControlenumLimit period: MONTH (only option available)
A holding balance is required for maintenance fees:
  • $1 holding balance for 5000 monthly limit
  • $3 holding balance for 10000 monthly limit
This amount is held in your business wallet and not deducted during card creation.

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Costs

Card creation involves fees deducted from your business wallet:
ItemDescription
Initial AmountThe balance loaded onto the card
Issuance FeeOne-time card creation fee (varies by plan)
Funding FeePercentage of the loaded amount
Exact fees depend on your subscription plan. Check your dashboard for current rates.

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Spending Controls

All cards use monthly spending limits:
Spending LimitHolding BalanceDescription
5000$1 required$5,000/month maximum spend
10000$3 required$10,000/month maximum spend
Example: $5,000 Monthly Limit
{
  "spendingLimit": 5000,
  "spendingControl": "MONTH"
}
Example: $10,000 Monthly Limit
{
  "spendingLimit": 10000,
  "spendingControl": "MONTH"
}

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Card Operations

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Funding (Reload)

Add funds to an active reloadable card: 
POST /api/v2/cards/{cardId}/fund
{
  "amount": 50.00
}
  • Minimum: $5
  • Fee: Based on subscription plan
  • Only for RELOADABLE cards

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Unloading (Withdraw)

Remove funds from a card back to your wallet: 
POST /api/v2/cards/{cardId}/unload
{
  "amount": 25.00
}
  • Cannot exceed card balance
  • May incur unloading fee
  • Processed via webhook notification

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Freezing

Temporarily disable a card: 
POST /api/v2/cards/{cardId}/freeze
  • All transactions will be declined
  • Card can be unfrozen later
  • Balance remains on the card

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Unfreezing

Reactivate a frozen card: 
POST /api/v2/cards/{cardId}/unfreeze

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Termination

Permanently close a card: 
DELETE /api/v2/cards/{cardId}
  • Remaining balance returned to wallet (via webhook)
  • Action is irreversible
  • Card cannot be reactivated

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Sensitive Card Data

When you fetch card details, sensitive information is included: 
{
  "cardNumber": "5234567890123456",
  "cvv": "123",
  "expiration": "12/28"
}
Security Requirements:
  • Never log card numbers or CVVs
  • Don’t store sensitive data unless PCI-DSS compliant
  • Always use HTTPS for transmission
  • Mask card numbers in UIs (show only last 4 digits)

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Best Practices

Set spending limits based on actual expected usage to minimize fraud risk.
Set up webhooks to receive real-time transaction notifications and flag unusual activity.
If you suspect fraud, freeze the card first to investigate before permanent termination.
Display full card details only when necessary and implement secure viewing mechanisms.

Create Card

Issue a new virtual card

Fund Card

Add funds to a card

Freeze Card

Temporarily disable a card

Card Transactions

View card transaction history