Virtual Card Issuing API — The Future of Secure Digital Payments

Published: December 9, 2025 • Reading time: 5 min

Keywords: virtual card issuing API, instant virtual card issuing API

Why Virtual Cards?

Virtual cards provide better fraud protection, faster issuance, and easier controls than plastic cards. With a virtual card API, businesses can generate single‑use or merchant‑restricted cards instantly and manage them through APIs and webhooks.

Top Features of Virtual Card APIs

  • Instant provisioning and dynamic CVV
  • Merchant locking & velocity controls
  • One‑time and limited‑use cards
  • Real‑time webhooks and transaction monitoring
  • Integration with Apple Pay & Google Pay

Use Cases

Common deployments include programmatic ad spend management, subscription security, supplier payments, and virtual employee expense cards. Virtual cards excel where control, speed and security matter.

Integration Tips

  1. Start in the provider sandbox to test card creation and webhooks.
  2. Implement tokenization when storing card references.
  3. Set up real‑time alerts for suspicious activity.
  4. Use merchant‑locking to reduce exposure from vendor breaches.

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cs@bsigroup.tech

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Documentation Terms & Condition Privacy Policy

BSICards is a financial technology company that acts as a card program distributor, but not a bank. Banking services are provided by licensed banks and electronic money service providers.

The cards are issued by a licensed bank and Member of the FDIC pursuant to license by Mastercard International Inc and Visa U.S.A. Inc.

BSICards has issuing partnership agreements with multiple bank partners in different countries and this is how we're able to issue cards across multiple countries.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated and Visa is a registered trademark of Visa International.

The Wallet service and Virtual Asset Service Provider (VASP) responsible for the custody of funds is operated by our partner, who is duly registered with the Financial Intelligence Unit - Ministry of Finance (FIU-MOF), and is subject to and governed by the Anti-Money Laundering (AML) regulations and compliance requirements as prescribed by the FIU.

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