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CARDS

Card issuing platform: virtual and physical cards, any provider

Issue virtual and physical cards under your brand, funded and defunded from client accounts, used at ATMs and POS worldwide, controlled through their full lifecycle. And because card providers are configuration, not architecture, your brand launches with the issuer that fits its market, and is not married to it.

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Virtual and physical issuance, funding and defunding

Clients order cards in the apps, virtual for instant use, physical for the wallet, tied to their accounts and funded or defunded from them in a motion. Everyday use is exactly that: ATM withdrawals, POS payments, the card behaving the way clients expect cards to behave, with every operation landing in the same books as the rest of their money.

Card lifecycle under full control

A card management system earns its name between issuance and closure: activation, blocking and unblocking, replacement, closure, controlled by the client in the apps and by your team in the back office, under role-based access, with every action attributable. Lost card at midnight? Blocked from the phone. Suspicious pattern? Operations intervenes from their side. Both moves, one audit trail.

Several card providers, side by side, configured per brand

Most platforms hard-wire one issuing partner and call it a cards feature. FinLabCore treats card provider collaboration as configuration: multiple providers run in parallel, each with its own supported currencies, account structures, issuing rules and per-tenant settings. A brand launches with the provider that fits its market and currencies; providers are added or switched without touching the product, the same provider-agnostic principle that governs payment rails and exchange venues.

For a white-label operation this is the difference between we offer cards and each of your brands offers the right cards.

Card economics through the tariff engine

Cards carry their own revenue lines, priced per client like everything else: issuance fees for virtual and physical cards, monthly maintenance, ATM and POS usage fees, funding and defunding charges, flat and percentage components with bounds, configured in the tariff engine and changed without a release. Every charge maps to its own income position, so card revenue reports itself by line in the management reporting suite.

Cards in the white-label apps

The card experience lives where your clients already are: ordering, viewing, funding, blocking and managing cards in the white-label web application and the native iOS and Android apps, your brand on the screen and on the card.

Additional card programmes on a defined path

New card products or further providers are onboarded alongside the existing ones, configured, not coded, with per-tenant settings from day one. When a market calls for a programme you do not run yet, it is a scoping conversation, not a rebuild: bring it to the demo.

Card issuing platform FAQ

Do you issue virtual cards, physical cards, or both?
Both, virtual for instant availability, physical for everyday wallet use, with issuance, funding, ATM and POS use and the full lifecycle handled on-platform.
Yes, that is the point of per-tenant provider configuration: several issuers run side by side, each with its own currencies, account structures and issuing rules, assigned per brand.
You add or switch providers as configuration, without touching the product, the integration layer keeps issuers pluggable the way it keeps payment rails pluggable. Integrations.
Both sides, each in their lane: clients activate, block and manage cards in the apps; your operations team controls lifecycle and intervenes from the back office, all of it role-based and attributable.
Issuance (virtual and physical), monthly maintenance, ATM and POS usage, funding and defunding, per client, down to an individual account, with each charge booked to its own income line. Pricing & Distribution.
As balanced double-entry postings like every other movement, card activity, fees and balances derived from the same ledger that runs the rest of the platform.

Issue a card in the demo

Virtual card ordered, funded, blocked and unblocked, with the fees and entries showing up live behind it.

Book a Demo  ·  See the Ledger.