Card Issuance API: Feature Overview and Code Examples

2025-06-01 14:45

Launching your own card product without a banking license is no longer a myth. Wanttopay offers a fully compliant and technically mature solution for white-label issuance of virtual Visa prepaid cards via API. Below, we walk through the core features, code examples, and benefits of integration.

Why Integrate a Card Issuance API?

API-based card issuance is a strategic move for businesses aiming to launch branded card products without going through the time- and capital-intensive process of obtaining a financial license. With Wanttopay, companies can get started in just a few weeks.

In this article, we’ll review the available API features, how to implement essential operations, and why this approach is ideal for B2B businesses.

Core Functionality of Wanttopay’s API

Wanttopay provides a RESTful API that allows you to:

Issue new virtual cards with a specified starting balance
Retrieve card details: PAN, expiration date, CVV
Check the current card balance
Securely manage card infrastructure without licensing burdens

Authentication

All requests require the following header:

<div class="ql-code-block" data-language="plain">Authorization: Bearer {your-token-here}</div>

Missing or invalid tokens return:

<div class="ql-code-block" data-language="plain">{</div><div class="ql-code-block" data-language="plain">  "message": "Unauthorized.",</div><div class="ql-code-block" data-language="plain">  "code": 401</div><div class="ql-code-block" data-language="plain">}</div>

Example: How to Issue a Card via API

Request

<div class="ql-code-block" data-language="plain">POST /api/company-card/issue</div>

Headers:

Authorization: Bearer {token}
Content-Type: application/json
Accept: application/json

Request Body:

<div class="ql-code-block" data-language="plain">{</div><div class="ql-code-block" data-language="plain">  "startBalance": "100"</div><div class="ql-code-block" data-language="plain">}</div>

Successful Response:

<div class="ql-code-block" data-language="plain">{</div><div class="ql-code-block" data-language="plain">  "id": "07c86c13-7bfd-427c-b99c-2952a6bd2cb6",</div><div class="ql-code-block" data-language="plain">  "exp": "12/24",</div><div class="ql-code-block" data-language="plain">  "pan": "4242424242424242",</div><div class="ql-code-block" data-language="plain">  "cvv": "123"</div><div class="ql-code-block" data-language="plain">}</div>

Possible Errors:

Insufficient funds (400)
Exceeded startBalance limit (422)
PAN fetch failure (603)

Infrastructure-Level Security

PCI DSS-ready: No card data is stored on the client side. All information is retrieved via secure API in real time.
Tokenization: PAN and CVV are only returned upon creation and cannot be accessed again.
TLS 1.2+ and IP whitelisting: Fully encrypted traffic and access control.
Proxy and webhook support: For asynchronous event handling.

Customization Flexibility

Wanttopay delivers the API — you control the front-end and business logic:

Your own interface and UX
Custom pricing, commissions, and bundles
Seamless integration into CRMs, payment systems, admin panels

We don’t limit your model — we empower it with a secure payment infrastructure.

Proven Infrastructure

Wanttopay is more than an API — it's a trusted platform with global reach:

500,000+ users worldwide
100,000+ monthly active users
4.8/5 Trustpilot rating
Verified reviews and long-term market presence

Our B2B product is built on the same robust foundation as our consumer service.

Get Started Now

Integrating with Wanttopay is a fast, secure way to launch your card product:

Fill out the onboarding form via @WantToPayPartnerBot and receive your personalized offer.

Learn more: Wanttopay Business API

Tags: white-label cards, Visa issuing, virtual card API, fintech API, prepaid Visa, card infrastructure, SaaS payments, KYC/AML, B2B fintech, digital banking