Card Issuing

Launch and operate card programs from one infrastructure layer.

Create, issue and manage card products for consumers, businesses and embedded financial experiences.

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jStackvirtual

•••• •••• •••• 4429

Cardholder

A. RAHMAN

Expiry

09/29

illustrative card data · not a real card

Program · prog_baselinedummy data

cardholders

18,204

active cards

24,910

authorisations 24h

88,412

controls set

6,110

Card Program Infrastructure

From card creation to transaction controls.

01Create Program
02Create Cardholder
03Issue Card
04Activate
05Transact
06Manage Controls
07Monitor & Reconcile

Core Capabilities

Everything a card program needs, configurable per product.

Program rules, controls and lifecycle actions are configurable and depend on the connected partners and markets where supported.

Card Program Configuration
Cardholder Management
Virtual Card Issuing
Physical Card Issuing
Card Activation
PIN Management (where supported)
Card Freeze / Unfreeze
Spend Controls
Transaction Limits
Merchant / Category Controls
Card Status Management
Transaction Monitoring
Card Replacement
Card Lifecycle Management

Card Operations

Manage cardholders and issued cards in one console.

Cardsmasked data

Cardholder	Type	Card	Status	Available	Spend Limit	Txns	Issued
A. Rahman	Virtual	•••• 4429	active	1,840.00	5,000 / mo	42	12 Mar
S. Iyer	Physical	•••• 7781	active	620.00	2,000 / mo	18	02 Apr
Harbor Foods	Corporate	•••• 1102	pending	12,400.00	25,000 / mo	204	21 Apr
L. Fernandes	Virtual	•••• 9042	failed	0.00	1,000 / mo	9	06 May

CardholderA. Rahman
TypeVirtual
Card•••• 4429
Statusactive
Available1,840.00
Spend Limit5,000 / mo
Txns42
Issued12 Mar
CardholderS. Iyer
TypePhysical
Card•••• 7781
Statusactive
Available620.00
Spend Limit2,000 / mo
Txns18
Issued02 Apr
CardholderHarbor Foods
TypeCorporate
Card•••• 1102
Statuspending
Available12,400.00
Spend Limit25,000 / mo
Txns204
Issued21 Apr
CardholderL. Fernandes
TypeVirtual
Card•••• 9042
Statusfailed
Available0.00
Spend Limit1,000 / mo
Txns9
Issued06 May

Controls

merchant · category · limits

Lifecycle

activate · freeze · replace

Monitoring

auth · decline · settlement

Architecture

A control layer between your product and the card ecosystem.

External issuing ecosystem connectivity is available through supported partners, where configured.

Application

Customer / Business Application

jStack Card APIs

Issuing

Card Issuing Infrastructure

Controls
Ledger
Wallet / Account

Connected (where supported)

Processor
Sponsor Bank
Card Network

Use Cases

Card programs across consumer and business products.

Fintech Cards
Consumer Cards
Employee Cards
Virtual Spending Cards
Prepaid Programs
Corporate Cards
Embedded Finance

Turn your financial product into a card program.

Programs, cardholders, controls and lifecycle — operated from a single layer.

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