Virtual and physical card programs — without a BIN sponsorship headache.
Issue cards to your SaaS users in milliseconds. Programmable spend controls, real-time authorization webhooks, and card network sponsorship handled by Finsyncio.
Card program complexity is underestimated
BIN sponsorship requires a bank
To issue Visa or Mastercard cards, you need a bank to sponsor your BIN. Negotiating that relationship takes 6-12 months minimum.
Card processor contracts
Card processing, authorization network access, and dispute management each require separate contracts. Putting them together is a project in itself.
PCI-DSS scope stays off your team
Storing or routing card PANs without a processor intermediary puts you in PCI-DSS SAQ scope at minimum — and full QSA assessment territory at scale. Finsyncio's tokenization layer keeps raw card data off your servers entirely.
Finsyncio Card Issuance API
Virtual cards in milliseconds
Issue virtual Visa or Mastercard cards instantly. Unique PAN, CVV, and expiry per card. No physical fulfillment required for digital-first programs.
Physical card programs
Custom-branded physical cards with fulfillment through our network partners. Custom carrier, packaging, and activation flows.
Programmable spend controls
Set per-card spending limits, MCC restrictions, merchant-level blocks, and time-of-day controls via API or the dashboard.
Real-time authorization
Receive authorization webhooks in real time. Approve, decline, or hold transactions programmatically based on your platform logic.
POST /v1/cards/issue
Issue a virtual or physical card with a single request. Specify the user, card type, and spending limit. Card is ready for use immediately.
Full API Reference$ curl -X POST \
https://api.finsyncio.com/v1/cards/issue \
-H "Authorization: Bearer sk_live_7xKpQ3mNrV8w" \
-d '{
"user_id": "usr_9bZ3kR",
"card_type": "virtual",
"spending_limit_cents": 500000,
"currency": "usd"
}'
# 201 Created
{
"card_id": "crd_2RvWnMk9Lx",
"last_four": "4471",
"status": "active",
"created_at": "2026-04-18T14:33:22Z"
}Start issuing cards today.
Sandbox cards are live immediately. Production program review takes days, not months.