jStack

Card Issuing Platform

Build and operate card programs from one infrastructure layer.

Launch virtual, physical, prepaid and corporate card experiences with configurable issuing, controls and APIs.

Talk to an Expert Explore Card Infrastructure ↓
jStackvirtual

4821 •••• •••• 8842

Cardholder

A. Rahman

Expiry

09/29

demo card · not a real credential

Card Program Journey

From program definition to reconciliation.

  1. 01Define Card Program
  2. 02Create Cardholder
  3. 03Issue Card
  4. 04Activate
  5. 05Set Controls
  6. 06Transact
  7. 07Monitor
  8. 08Reconcile

Card Products

Four card models on shared infrastructure.

Program Operations

Run cardholders, controls and lifecycle in one console.

Issued Cardsdemo data

  • crd_9021 · Virtual

    A. Rahman · ····8842

    active

  • crd_9044 · Physical

    L. Mensah · ····1190

    active

  • crd_9088 · Corporate

    Ops Team · ····4471

    active

  • crd_9101 · PrePaid

    Program Load · ····6620

    pending
Card Controlsconfigurable
  • Daily spend limit2,500.00
  • Per-transaction cap800.00
  • Merchant categories6 blocked
  • Online transactionsenabled
  • Card statusunfrozen

Core Capabilities

Issuing, controls and lifecycle in one API surface.

  • Cardholder Management
  • Virtual Card Issuing
  • Physical Card Issuing
  • Card Activation
  • Freeze / Unfreeze
  • Spend Controls
  • Transaction Limits
  • Merchant Controls
  • Category Controls
  • Card Lifecycle
  • Transaction Monitoring
  • API Integration

Architecture

From your application to the issuing partner.

Application

  • Customer Application
  • jStack Card APIs

Infrastructure

  • Card Issuing Infrastructure

Balance & Rules

  • Wallet / Account
  • Ledger
  • Controls

Connected

  • Processor
  • Issuing Partner
  • Network

Relevant jStack Products

The jStack products behind this solution.

Programs typically pair Card Issuing with a funding source such as Wallet or Core Banking.

Business Benefits

What a unified issuing layer changes.

  • One Program Model

    Virtual, physical, prepaid and corporate cards share the same core.

  • Configurable Controls

    Limits, categories and merchant rules per card or program.

  • Lifecycle Coverage

    Issue, activate, freeze, replace and close through APIs.

  • Connected Balances

    Cards spend against wallets or accounts on the same ledger.

  • Operational Monitoring

    Authorisations, declines and settlement in one view.

  • Faster Launch

    Stand up new card products without a new integration.

Who It's For

For teams that need cards inside their product.

  • Fintechs
  • Banks
  • Expense Platforms
  • Corporate Finance Platforms
  • Wallet Providers
  • Neobanks
  • Embedded Finance Platforms

Related Use Cases

Launch the card program your product needs.

Talk to our team about program structure, controls and supported issuing partners.

Talk to jStack