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Virtual card platform

Turn balances into spending power.

Build a branded card experience with issuance, spend controls, and transaction visibility. Connect funding and settlement around your issuing partner.

Build with Gizmolab Explore capabilities
Your product. Connected infrastructure.
Explore the flow
Cards & spending: Fund stage selected. This is an illustrative product concept.

The building blocks

Everything connects.
Make it your own.

Connect funding, issuance, and spending.

Inside the product

Corporate Expense Cards

Issue virtual cards for teams, departments, or individual employees. Set per-card spend limits, merchant category restrictions, and real-time approval workflows. Fund cards with stablecoin treasury and settle in fiat. Built for ad spend, SaaS subscriptions, travel, and vendor payments.

  • Per-card and per-department spend limits
  • Merchant category code (MCC) restrictions
  • Real-time transaction alerts and approvals
  • Multi-level approval workflows

Card Controls API

Set spend limits, merchant category restrictions, geographic locks, and time-based rules per card via API. Update controls in real time without reissuing. Freeze, unfreeze, or terminate cards instantly.

Real-Time Transaction Streaming

Use supported authorization, clearing, and settlement events to update dashboards, notifications, and accounting records. Handle delivery delays, retries, and event ordering in your integration.

Multi-Currency Support

Issue cards in USD, EUR, GBP, or 30+ local currencies. Cardholders spend globally with competitive FX rates at point of sale. Fund from any supported cryptocurrency with auto-conversion at settlement.

3D Secure Authentication

Full 3DS 2.0 integration for e-commerce transactions. Frictionless authentication for low-risk transactions, step-up challenges for high-risk. Reduces chargebacks and shifts liability to the issuer side.

Virtual + Physical Cards

Issue virtual cards instantly via API for immediate use online and in mobile wallets. Offer physical cards with custom card art, embossing, and packaging. Manage both from the same API and dashboard.

Cardholder Portal & Mobile SDK

White-label cardholder portal for card management, transaction history, and spend analytics. Mobile SDK for iOS and Android with card provisioning to Apple Pay and Google Pay. Fully branded, fully customizable.

Virtual card platform

Ready to build with this?

Tell us what you have in mind. We’ll help scope the right approach.

Discuss your project

Behind your experience

Your product, up front.
The connections, handled.

Choose the components your product needs. Keep the customer experience and operating controls in one connected flow.

Availability, providers, and supported workflows are scoped to your product and operating requirements.

Plan your integration

The possibilities

Designed around how your customers spend.

Explore the products and use cases that connect to this stack.

Stablecoin Payments

Accept and settle stablecoin payments globally. The funding rail that keeps card balances, merchant settlement, and treasury movement connected.

Explore

Payment Processing

Connect card issuance to receivables, treasury routing, and payout operations when fintech teams need one operating model for money movement.

Explore

Crypto Banking Stack

Full neobank infrastructure — accounts, cards, lending, and custody. Build a complete digital bank with card issuing at the core.

Explore

Crypto Corporate Cards

See how card issuing infrastructure supports treasury spend controls, employee cards, and approval workflows for crypto-native finance teams.

Explore

Go a little deeper

Built around the details.

Explore the workflows, components, and implementation considerations behind the experience.

Operational foundations

Issuing-provider integrations

Card programs launched under licensed BIN sponsors with full KYC/KYB, AML screening, and transaction monitoring baked in. We handle the regulatory complexity so you focus on product. Multi-jurisdiction support across US, EU, UK, LATAM, and APAC.

  • Licensed BIN sponsor partnerships
  • Built-in KYC/KYB with tiered verification
  • Real-time AML and sanctions screening
  • PCI DSS Level 1 compliant infrastructure
  • Multi-jurisdiction regulatory coverage

Enterprise-grade card security

Every transaction authenticated with 3D Secure 2.0, real-time fraud scoring, and configurable velocity controls. Card data encrypted at rest and in transit. Tokenized card numbers for Apple Pay, Google Pay, and e-commerce. Zero raw PAN exposure to your systems.

  • 3D Secure 2.0 authentication on all transactions
  • Real-time fraud scoring and decline rules
  • Network tokenization for mobile wallets
  • Card data vaulted — zero PAN exposure to you
  • Configurable velocity and geographic controls

Built for millions of cards

The same infrastructure runs programs from 100 cards to 10 million. Horizontal scaling, redundant processing nodes, and direct network connections ensure sub-second authorization decisions at any volume. 99.99% uptime SLA with active-active failover.

  • Sub-second authorization processing
  • 99.99% uptime SLA with active-active failover
  • Direct Visa and Mastercard network connections
  • Horizontal scaling — no volume ceilings
  • Multi-region deployment for latency optimization

Your next step

Let’s connect the pieces.

Talk to our team