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A Card Product is the template that defines everything about the cards you issue: the card scheme (Visa or Mastercard), enabled features, spend limits, and merchant category controls. Every card issued via the API is created from a product — the product ID determines what the card can and cannot do. Think of a product as your program blueprint. You configure it once, and every card issued under it inherits its rules.
Card Products showing configured Visa and Mastercard program blueprints with active cards

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Creating a Product

1

Go to Products

Click Products in the CaaS Portal sidebar.
2

Click New Product

Select the card scheme (Visa or Mastercard) and give the product a name.
3

Enable features

Toggle the features you need — 3D Secure, Apple Pay / Google Pay tokenisation, JIT Funding, Spend Controls, and MCC Controls.
4

Set limits

Configure per-card spending limits and any merchant category restrictions (allowed or blocked MCC codes).
5

Activate

Once configured, activate the product. All cards issued under it immediately inherit its settings.

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Product Configuration

SettingDescription
NameInternal label for this product
Card SchemeVisa or Mastercard
Spending Limit per CardMaximum balance a single card under this product can hold
Monthly Spending LimitMaximum total spending per card per month
Allowed CategoriesWhitelist of MCC codes permitted for transactions
Blocked CategoriesBlacklist of MCC codes automatically declined

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Features

FeatureDescription
3D SecureEnables 3DS authentication for online purchases
Apple Pay / Google PayEnables card tokenisation for mobile wallets
JIT FundingJust-in-time authorisation — your webhook approves or declines each transaction in real time
Spend ControlsEnforces the per-card spending limit at the network level
MCC ControlsApplies your allowed / blocked merchant category lists at authorisation time

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Issuing Cards from a Product

Once a product is active, pass its productId when creating cards via the API: 
POST /api/v3.20/cards
{
  "cardholderId": "chl_...",
  "productId":    "prd_..."
}
The productId is shown on the product detail page in the portal and returned by the List Products endpoint.

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Program Balance

All cards across all products draw from a single USD program balance pool. Fund it via USDT deposits — see Billing & Funding.
Cards cannot be issued or funded if the program balance is insufficient. Monitor the balance via the dashboard widget or subscribe to the ACCOUNT_LOW_BALANCE webhook event.