Card Issuing

Build a card issuing program with full control and flexibility

Launch a fully customized card experience with Adyen’s API-first platform. Pay suppliers sooner, let employees spend more easily, and give users faster access to funds.

Trusted by teams at global platforms

Launch globally with confidence

Rely on Adyen’s EU, UK, and US banking licenses to scale while staying compliant.

Cut out third-party risks

Simplify your stack with Adyen’s all-in-one global platform.

Stay in control

Get granular control of your program with our API-first integration.

Add a new revenue stream

Earn a share of the interchange fee with every transaction.

One platform to control spend, move money, and scale

Connect to global card networks with integrated BIN sponsorship through a single integration. Leverage Adyen’s integrated KYC/KYB infrastructure and fraud protection. Optimize unit economics with granular cost visibility and Interchange++ pricing.

Three stacked credit cards with names and Visa logo, representing payment options.

Three stacked credit cards with names and Visa logo, representing payment options.

Control expenses. Automate payments.

Issue virtual and physical cards to your team. Custom branding and authorization logic keep them distinct and secure.

Control employee spending

Set dynamic spending limits, restrict merchant categories, and enforce approval workflows.


Track every transaction

Get immediate visibility into every transaction.


Keep systems synced

Export consolidated expense data into your core accounting system.

Automate all your global payments. Replace inefficient batch processing, wire schedules, and ACH with virtual cards.

Automate payments

Put supplier payments on autopilot with virtual cards.


Connect AP and AR

Manage payins and payouts in the same platform.


Turn payments into revenue

Earn interchange revenue on every transaction.

Screenshot of an online payment dashboard displaying customer cards and account details for business analysis

Build a card program that customers love

  • Offer instant access to acquired funds
  • Give customers one place to manage their business finances
  • Onboard quickly, leveraging existing KYC data
  • Integrate tools to track, report, and reconcile finances directly within your platform
Explore Accounts & Issuing

Adyen helped us fill key gaps, providing the final pieces we needed to scale our own platform without compromise

Stéphane Dehaies

CEO of Spendesk Financial Service

Screen showing a JSON payment request for an Adyen payment transaction.

Explore our solutions

  • How your Adyen resources are connected to each other.
  • How to create and manage Adyen-issued cards using our APIs.
  • How to fund Adyen-issued cards, and make business-related payments.
  • How to track and regulate payments made using Adyen-issued cards.
Read the documentation

Bill.com made finances simpler for millions of SMBs with secure virtual cards

“Because of their trust in BILL, our customers can easily make their payments and get back to running their business.”

Loren Padelford

BILL Chief Commercial Office

Adyen team members in the office analyzing a whiteboard for payment system planning.

Different uses. Same foundation.

Embedded payments adapt to every use case. However your customers do business, we simplify payments.

Online Travel Agencies (OTAs) Pay global suppliers instantly with unique virtual cards for every booking Elimina gli attriti valutari effettuando l'emissione e il regolamento in valuta locale.

Supplier Payment Platforms Automate B2B payments by issuing virtual cards to pay vendors instantly. Replace manual wire transfers with pre-funded accounts and real-time reconciliation.

Expense Management Equip users with physical and virtual cards featuring employee-level spend limits. Set real-time authorization rules to centralize control and reporting in one place.

Insurance Payouts Issue claim-specific virtual cards to approved vendors the moment a claim is cleared. Ensure funds stay on-track with granular spending limits tied to specific service codes.

SaaS Platforms Embed a branded card program to become your customers' primary financial hub. Manage their operational spend and unlock a new revenue stream through interchange sharing.

Build a card program that moves money faster

Connect every payment, payout, and card in one system.

FAQs