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Launch Branded Cards - Fast, Secure & Customizable
Issue virtual or physical debit cards under your brand - powered by secure APIs, built-in compliance, and bank partnerships.
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Why Card
Issuing Matters
Card Issuing lets you deliver branded payment cards - virtual or physical - without owning the infrastructure. FinLego's platform enables fintechs and crypto businesses to issue, manage, and control card programs through modern APIs and compliant back-end systems.

It removes the complexity of connecting to networks (Visa, Mastercard), handling security, managing compliance, and operating issuance logistics - all while maintaining full brand ownership and control over the user experience.
Deliver and Manage Cards as Part of Your Financial Stack
Virtual & Physical Cards
Issue digital cards for instant online use and physical cards for in-store spend, with your branding across platforms. Support EMV, contactless payments, and mobile wallet tokens.
Card Design & Control
Customize card artwork, spending categories, PINs, and tokenization settings. Set spend limits, merchant restrictions, and dynamic CVV rules - configured per card or user segment.
Multi-Currency Support
Issue cards tied to different underlying currencies. Combine with wallet balances for automatic currency selection and FX flows - ideal for global users.
Instant Issuance via API
Enable users to generate virtual cards instantly - ready for digital spend or tokenization in Apple Pay or Google Pay. Issue physical cards via fulfillment partners with real-time status updates.
Fraud & Authorization Rules
Apply real-time fraud detection, geolocation controls, velocity thresholds, merchant category controls, and authorization routing - either to decline, hold for review, or approve.
Integrated Ledger & Billing
Each card transaction auto-posts to your ledger. Fees, currency markups, and refunds are tracked and billed automatically - no manual reconciliation needed.
Compliance & KYC Integration
Linked with FinLego’s KYC/AML tools. Only KYC-KYB verified users can receive cards. All card-related actions adhere to issuer and scheme-level compliance rules.
Ideal Use Cases for Card Issuing
Fintech Apps & Neobanks
Provide users branded cards tied to their accounts or wallets. Powerful spend control and flexible issuance via API.
Crypto & Wallet Platforms
Let users spend crypto or wallet balances via virtual or physical cards. Bridge asset-to-fiat flows with real-time card spend conversion.
Loyalty & Reward-Based Programs
Offer branded reward cards, prepaid cards, or gift cards - with controls, limits and full reporting tied to your loyalty flows.
Branded Card Capability Without the Complexity
  • Speed to Market
    Skip scheme approval and technical integration delays - launch card programs in weeks using our API and trusted partner connectors.
  • Cost-Efficient Card Issuance
    Avoid building your own issuing stack. Pay for usage with modular pricing - virtual or physical cards, processing and fulfillment all included.
  • Multi-Rail & Multi-Currency Issuing
    Out of the box, you can configure how to record wallet top-ups, cross-currency conversions, commissions, partner payouts, and more.
  • Full Control Over Customer Experience
    Your design, your UX, your rules - down to card limits, CVV policies, and customizing spend categories. The card looks and feels like yours.
  • Compliance Built-In
    Issuer license, PCI-DSS aligned infrastructure, KYC/KYB integration, sanction checks - compliance isn’t an afterthought, it’s embedded.
  • Built-in Risk & Fraud Logic
    Configure fraud rules and authorization logic without coding new modules. Monitor declined transactions, velocity spikes, and abusive behavior in real time.
Feedback from Fintech Builders
Using Our Card Platform
Sandra
Head of Product
We wanted to offer branded cards to our users fast. FinLego let us issue virtual cards in hours and handle physical card mailing internationally.
Teo
CTO
We built a crypto wallet and added card issuance through FinLego. Customers love seamless conversion and being able to spend via card immediately.
Priya
COO
The fraud monitoring and spend controls saved us headaches from day one. We configured spending rules per user group without any extra development.
Structured & Secure by Design
  • Secure Card Handling
    • EMV-compliant card issuance
    • Tokenization (Apple Pay, Google Pay)
    • Dynamic CVV, PIN rules, secure customer data management
    1
  • Fraud & Transaction Protection
    • Real-time detection of unusual spend patterns
    • Velocity and geolocation controls
    • Merchant category spending restrictions
    2
  • Compliance Infrastructure
    • KYC/KYB gating before card issuance
    • PCI-DSS support via our licensed partners
    • Full audit logs for all reversals and authorization events
    3
Card Issuing Program in Action - 5 Steps
Define Your Card Product
Decide on virtual, physical, currencies, spending controls, and rules.
Design & Branding
Personalize card design, virtual token UI, notifications, and spend control defaults.
Configure Business Logic
Set limits, fraud rules, authorization flows, and issuer-specific behaviors.
Test in Sandbox
Issue test cards, simulate spends, declines and rule triggers in staging.
Launch & Monitor
Roll out live cards to users, track authorizations, shipping, and risk dashboards.