Card Issuing - Stop losing transactions to external cards
Why let users spend their money elsewhere when you can issue your own cards? Keep transactions in your ecosystem, earn on every swipe, and give users branded cards they'll actually want to use—all without becoming a card issuer.
Key Benefits at a Glance
Powerful features designed to simplify your workflow and boost results
Fully White-Label Experience
Customize your cards — from design to controls — and make them feel native to your brand
Interchange Revenue Sharing
Capture a share of the interchange fees generated by transactions, turning user spending into direct platform income
Multi-Level Security
3DS authentication, tokenization, fraud detection, and instant freeze/unfreeze
Instant Virtual Cards
Create cards via API in <2 seconds; activate immediately for online purchases
PCI DSS Level 1 Compliant
We handle card data security; you never touch sensitive PAN details
Business & Consumer Ready
Support cards for corporate expenses, gig workers, platform users, or individual customers
Integrate Once, Connect to the Whole Ecosystem
Connect with trusted financial institutions and technology providers to scale your embedded finance offering across markets.
Leverage EmFi’s regulated partner network to ensure compliance and coverage across multiple regions and financial jurisdictions.
EmFi keeps all partner integrations updated, optimized, and compliant — automatically.
Secure by Design, Compliant by Default
Data integrity, regulatory compliance, and user trust — all guaranteed by EmFi's secure infrastructure.
Regular third-party security audits and penetration tests
Fine-grained permissioning for API keys and environments
Audit logging for every verification event
See the Impact: Key Metrics That Matter
FAQ
Do I need a card issuer license?
No. EmFi partners with licensed card issuers (banks with Visa/Mastercard principal membership). You integrate via API; we manage issuer relationships, compliance, and card network requirements.
Can I issue cards to both individuals and businesses?
Yes. Whether you are issuing expense cards to employees (KYB clients) or prepaid/debit cards to consumers (KYC clients), our platform supports both use cases.
What types of cards can I issue?
Virtual cards: Instant creation, online/mobile payments, single-use or reloadable
Physical cards: Customized design, contactless, chip-and-PIN, embossed
Card types: Debit, prepaid, commercial/expense cards, gift cards
Can I control where cards can be used?
Yes. Set rules for:
Merchant categories (MCC codes)
Specific merchants or merchant IDs
Transaction amounts (daily/weekly/monthly limits)
Geographic restrictions (country/region)
Online vs in-store
ATM withdrawals on/off
How do I receive transaction data?
Real-time webhooks for authorizations, settlements, and declines. Each event includes merchant details, amount, MCC, location, and custom metadata. Export transactions via API or dashboard.
Can I customize the cardholder experience?
Fully white-label: custom card design, digital wallet provisioning under your brand, transaction notifications with your branding, and customer support under your name.
Where do the cards work?
Everywhere Visa/Mastercard is accepted. That's 100M+ merchants in 200+ countries.
Can cards work with Apple Pay and Google Pay?
Yes. Virtual and physical cards support both. Your branding shows up in the wallet apps.
Let’s Build the Future of Finance Together
Connect, integrate, and deliver seamless financial experiences.
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