Wanttopay API / English

Complete guide to Wanttopay API for potential partners

2025-08-05 11:03 Virtual Cards Technical Aspects & API Monetization & Business Models

What is WantToPay API?

WantToPay API is a platform that allows you to issue branded virtual Visa prepaid cards without needing a license or building your own infrastructure. We provide a turnkey solution for fintech integrations.
Cards are issued via a licensed Visa issuer and fully comply with international financial regulations. You gain a transparent and secure legal framework to launch a scalable card product.

Virtual Visa Prepaid Card: Key Features

WantToPay issues virtual prepaid Visa cards for online use. The card is issued digitally and includes card number, expiry date, and CVV, delivered instantly upon creation.
  • Currency: USD
  • Type: Non-reloadable (single top-up at issue)
  • Validity: 2 months (varies by partner plan)
  • Security: 3D Secure supported
  • Use Cases: Online purchases, SaaS tools, subscriptions, digital platforms, B2B services
Cards are accepted by any online merchant supporting Visa Debit. A built-in MCC filter prevents transactions in prohibited categories such as gambling or adult content.

How Card Issuance via API Works

  1. Partner funds a master balance in USDT via a dedicated wallet.
  2. WantToPay deducts commission and credits the net amount to the partner’s internal balance.
  3. Cards are issued through API with defined amounts and unique credentials.
The process is fully automated and can be integrated into your platform interface.

Legal Structure and Compliance

Cards are issued by a licensed Visa issuer through a legally compliant model. WantToPay handles the issuer relationship and ensures full regulatory compliance (AML, KYC, sanctions screening).
Each card is technically issued on behalf of WantToPay, but tied to your verified legal entity and intended use case. This ensures legal protection across all stakeholders.
WantToPay does not support grey or circumventive models. Only legitimate business use cases with transparent fund flow are allowed. Transactions with sanctioned merchants or countries are blocked by default.

Architecture & Roles

WantToPay provides:
  • API for branded card issuance
  • Integration with Visa issuer and legal support
  • Partner KYB & compliance screening
  • Fraud monitoring and 3D Secure
  • Issuer license and infrastructure
Partner responsibilities:
  • Sign contract with WantToPay Ltd (HK)
  • Integrate API into their platform
  • Manage user flows and card use cases
  • Oversee transactions and ensure compliance

Commercial Model

Partners top up a master balance (in USDT or via fiat wire). Commission is deducted from the top-up. Remaining funds are available for card issuance via API.
Pricing, card limits, and fees are provided in a custom commercial offer after completing the onboarding form.

Partner Requirements

Minimum requirements to use WantToPay API:
  • Legally registered entity (non-Russian jurisdiction)
  • Transparent, verifiable beneficiaries (no nominees)
  • Clear business use case (e.g., payouts, subscriptions, SaaS)
  • Technical capacity to integrate REST API
  • Willingness to follow Visa and issuer compliance policies
KYB Documents:
  • Certificate of Incorporation
  • Company address proof (utility bill/lease)
  • Passport + proof of residence for all UBOs
  • Business/product description
  • AML/KYC policies and UI screenshots (if needed)

Restrictions: Categories & Jurisdictions

Cards cannot be used for the following merchant categories:
  • Money transfers, P2P payments, cashout
  • Telemarketing, outbound sales, MLM
  • Unlicensed brokers or securities trading
  • Escort services, adult or erotic content platforms
  • Massage parlors and high-risk establishments
  • Gambling, betting, online casinos and lotteries
Cards are also blocked in these countries:
Afghanistan, Albania, Belarus, Bosnia and Herzegovina, Bulgaria, Burkina Faso, Cameroon, Central African Republic, China, Crimea, Croatia, Cuba, DRC, Donetsk, Ethiopia, Greece, Guinea-Bissau, Haiti, Iran, Iraq, Kenya, Kosovo, Lebanon, Libya, Luhansk, North Macedonia, Mali, Moldova, Monaco, Montenegro, Montserrat, Mozambique, Myanmar, Namibia, Nicaragua, Nigeria, North Korea, Panama, Philippines, Romania, Russia, Senegal, Serbia, Slovenia, Somalia, South Africa, South Sudan, Sudan, Syria, Tanzania, Tunisia, Turkey, Ukraine, Venezuela, Vietnam, Yemen, Zimbabwe.
Partners are expected to monitor user transactions and remain compliant.

Target Markets

WantToPay API is especially useful in regions with limited access to international financial tools or a high demand for digital payment solutions:
  • CIS & Central Asia: Russia, Kazakhstan, Uzbekistan, Armenia, Georgia, Azerbaijan, Kyrgyzstan
  • MENA & Sub-Saharan Africa: UAE, Saudi Arabia, Egypt, Nigeria, Kenya, Ghana, South Africa
  • Latin America: Brazil, Mexico, Colombia, Chile, Peru, Argentina

Use Cases

WantToPay API is used by a wide range of digital platforms:
  • Education & EdTech: schools and course platforms provide students with cards to pay for online tools and subscriptions
  • Marketplaces & LMS: issue cards as added value for instructors and learners
  • Freelance & Microbusiness: freelancers can pay for software and services from an internal wallet
  • SaaS & Digital Tools: issue branded cards to expand product offerings
  • Fintech wallets: integrate card issuing into non-bank products
  • Agencies & Outsourcing: custom solutions for client/employee payments
  • Crypto & DeFi: bridge crypto to fiat with cards for verified users

Monetization Models

Partners choose their own monetization approach:
  • Markup on face value: set a higher price per card and keep the margin
  • FX profit: define custom conversion rates for local payments
  • Activation fee: charge for card issuance or access
  • Custom white-label pricing: use subscription, % fees, or bundled models
WantToPay may request a business model summary as part of compliance.

How to Get Started

  1. Submit the onboarding form with company info and use case
  2. Receive a personalized commercial offer
  3. Pass KYB by submitting corporate & UBO documents
  4. Sign a contract with WantToPay Ltd (HK)
  5. Get sandbox API access for integration
  6. Receive production access upon approval
  7. Top up your master balance (USDT or fiat)
  8. Start issuing cards under your brand
We support you at every step of the way.

Contacts

Questions or ready to launch?

Tags:

#VisaVirtual #cardissuance #APIintegration #whitelabelcards #fintechAPI
#virtualcards #cardproduct #WantToPay #prepaidcard #financialinfrastructure
#cardmonetization #b2bapi #digitalpayments #compliance #KYC #KYB #AML
#fintechstartup #paymentinfrastructure #nolicense