Cards as a Service
Offer cards to your own customers, staff or payees.
Cards as a Service lets a business embed a card programme into its own offering. We design the programme with you: card types, funding, controls, cardholder onboarding and how you integrate.
- Virtual and physical cards
- Programme design
- Issuance and funding
- Lifecycle controls
- Coming soon Cards as a Service
What you get
Virtual and physical cards
Issue virtual cards for online use and physical cards for in-person spending, as your programme requires.
Partner onboarding
We review your business, your cardholders and how the cards will be used before the programme goes live.
Cardholder onboarding
Identity and eligibility requirements for cardholders are set by the programme and depend on cardholder type and country.
Issuance and funding
Fund cards from your Valtora balance or from individual cardholder balances. The model is agreed in programme design.
Spending controls
Limits and budgets per card or cardholder, set within the programme.
Card lifecycle
Issue, activate, freeze and replace cards throughout their life.
Integration options
Manage cards from the Valtora dashboard, or integrate with your product. Integration scope is agreed during programme design.
Reporting and reconciliation
Card-level transaction records so you can reconcile spend per card and per cardholder.
How a card programme is set up
A partner launches its card programme
- 1ApplyEnquiry
You tell us who the cardholders are, what they will spend on and in which countries.
- 2DesignProgramme design
We agree card types, funding model, spending controls and cardholder requirements.
- 3IntegrateDashboard or integration
You manage cards from the dashboard or connect them to your product.
- 4IssueLive programme
Approved cardholders receive cards, which you can freeze or replace at any time.
Example only. It describes a typical flow, not a real customer, and uses no actual figures.
Cards for your team, or a programme for your customers
Valtora cards for your own business
- Cards for your staff, contractors and campaigns
- Budgets and controls on every card
- Managed from your Valtora dashboard
- See Cards
Cards as a Service for your customers
- Cards issued to your customers, workers or payees
- Programme designed around your product
- Cardholder onboarding set by the programme
- Pricing quoted per programme
- 1Issue
Create a virtual or physical card for an approved cardholder.
- 2Activate
The cardholder activates the card before first use.
- 3Freeze
Pause a card instantly and unfreeze it later.
- 4Replace
Replace a lost, damaged or expired card.
Who uses it
Agencies
Illustrative: an agency issues cards to freelance media buyers, each funded per client campaign and frozen when the campaign ends.
Payout platforms
Illustrative: a payout platform gives its workers a card so they can spend earnings without waiting for a bank transfer.
Wallet providers
Illustrative: a wallet app offers users a card funded from their wallet balance, with crypto-funded flows agreed per programme.
Pricing
Programme pricing is quoted for each partner after we review card volumes, card types, cardholder countries and the funding model. Ask for a quote with the form below.
Questions
Do cardholders need identity checks?
Yes. Cardholder requirements are set by the programme and depend on who the cardholders are and where they live.
How many cards can we issue?
Card volumes are agreed in programme design, based on your use case and cardholder base.
Which countries can cardholders be in?
Eligible countries are agreed per programme.
Is there an API?
You can manage cards from the dashboard. Integration with your own product is scoped with you during programme design.
Discuss your card programme.
Tell us how money moves through your business and we'll reply by email to arrange a call.
Chat on TelegramValtora coordinates your business review and onboarding.