A Card Program is the foundational configuration for your card issuing operation. It defines the card brand, currency, issuing rules, spend limits, and MCC controls that apply to all cards issued under it.Documentation Index
Fetch the complete documentation index at: https://docs.fyatu.com/llms.txt
Use this file to discover all available pages before exploring further.
Creating a Program
Choose a catalog
Select a program catalog — the pre-configured template provided by Fyatu that determines the card brand (Visa / Mastercard), supported features, and fee structure. Contact your Fyatu account manager if you need a custom catalog.
Program Configuration
| Setting | Description |
|---|---|
| Name | Internal identifier for this program |
| Card Brand | Visa or Mastercard (determined by catalog) |
| Currency | Settlement currency for the program (typically USD) |
| Spending Limit per Card | Maximum balance a single card can hold |
| Monthly Spending Limit | Maximum total spending across all cards in the program per month |
| Low Balance Threshold | Trigger for ACCOUNT_LOW_BALANCE webhook events |
| Allowed Categories | Whitelist of MCC codes permitted for transactions |
| Blocked Categories | Blacklist of MCC codes denied for transactions |
Program Status
| Status | Description |
|---|---|
| Pending | Setup invoice not yet paid |
| Active | Live and accepting card issuance |
| Paused | Card issuance disabled — existing cards still function |
| Suspended | Suspended by Fyatu — contact support |
Products
Each program contains one or more Products — specific card configurations within the program (e.g. a consumer Visa virtual card, or a corporate Mastercard with 3D Secure). Products are configured by Fyatu and visible in Programs → [Your Program] → Products. When issuing a card via the API, you specify theproductId to determine which product configuration to use.
| Feature | Description |
|---|---|
| 3D Secure | Enables 3DS authentication for online purchases |
| Apple Pay / Google Pay | Enables card tokenisation for mobile wallets |
| JIT Funding | Just-in-time balance authorisation |
| Spend Controls | Per-card spending limit enforcement |
| MCC Controls | Per-product merchant category restrictions |
Sandbox vs Live Programs
Programs are environment-specific. A program created in Sandbox is completely separate from Live.- Use Sandbox programs to test your full integration flow without real funds.
- Switch to Live programs when you are ready to issue real cards.
- All programs in both environments appear in the portal’s Programs list — use the environment switcher in the top nav to toggle.