> ## Documentation Index
> Fetch the complete documentation index at: https://developers.uqpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Card Products

> Overview of UQPAY card products — card scheme, KYC level, and which features and endpoints each product supports.

UQPAY issues cards under three products. They differ by card scheme, KYC requirements, and the set of features they support. Use this page to identify which product you are integrated with and which endpoints each product can call — so you avoid calling an endpoint with a product that does not support it.

## Products

| Product                 | Card scheme | KYC level  | Integration guide                                                                                                                             |
| ----------------------- | ----------- | ---------- | --------------------------------------------------------------------------------------------------------------------------------------------- |
| **Business Visa**       | Visa        | Simplified | [Issue Virtual Cards](/card-issuance/v1.6/guide/issue-virtual-cards) · [Issue Physical Cards](/card-issuance/v1.6/guide/issue-physical-cards) |
| **Business Mastercard** | Mastercard  | Standard   | [Issue Virtual Cards](/card-issuance/v1.6/guide/issue-virtual-cards)                                                                          |
| **Personal Visa**       | Visa        | Enhanced   | [Enhanced KYC Card Issuance](/card-issuance/v1.6/guide/enhanced-kyc-card-issuance)                                                            |

## Capability matrix

Which features and endpoints each product supports. ✅ supported, ❌ not supported. Restricted endpoints also carry a "XXX only" label at the top of their reference page.

| Feature / Endpoint                                                                                                     | Business Visa | Business Mastercard | Personal Visa |
| ---------------------------------------------------------------------------------------------------------------------- | ------------- | ------------------- | ------------- |
| [Elevate Per-Transaction Limit](/card-issuance/v1.6/api-reference/elevate-card-limit)                                  | ❌             | ❌                   | ✅             |
| [Enable 3DS master switch](/card-issuance/v1.6/guide/3d-secure) (`enable_3ds`)                                         | ✅             | ❌                   | ✅             |
| [3DS verification mode · challenge / frictionless](/card-issuance/v1.6/guide/3d-secure) (`allow_3ds_transactions`)     | ✅             | ❌                   | ❌             |
| [MCC controls](/card-issuance/v1.6/guide/spending-controls) (`allowed_mcc` / `blocked_mcc`)                            | ✅             | ✅                   | ✅             |
| [No-PIN payments](/card-issuance/v1.6/guide/pin-and-no-pin-payments) (physical-card PIN-free, `no_pin_payment_amount`) | ✅             | ❌                   | ❌             |
| [Network Protection (ASAF)](/card-issuance/v1.6/api-reference/enroll-card-network-protection)                          | ✅             | ❌                   | ❌             |
| [Authorization decisions](/card-issuance/v1.6/guide/authorization-decisions)                                           | ✅             | ❌                   | ✅             |
| [One-Time Cards](/card-issuance/v1.6/guide/one-time-cards)                                                             | ✅             | ❌                   | ❌             |
| [Set or Reset Virtual Card PIN](/card-issuance/v1.6/api-reference/manage-card-pin)                                     | ❌             | ✅                   | ❌             |
| [Card Art](/card-issuance/v1.6/guide/card-art)                                                                         | ❌             | ❌                   | ✅             |
| [`card_limit` required at creation](/card-issuance/v1.6/api-reference/create-card)                                     | Optional      | Required            | Required      |

<Note>
  The two 3DS fields play different roles: `enable_3ds` is the master switch for whether a card registers for 3DS; `allow_3ds_transactions` selects the verification mode (challenge / frictionless) once 3DS is registered. Their availability also differs: `enable_3ds` is supported on Business Visa and Personal Visa, while `allow_3ds_transactions` is supported on Business Visa only. See [3D Secure](/card-issuance/v1.6/guide/3d-secure).
</Note>

## Identify your product

If you are unsure which product you are integrated with, match your card BIN against the table below.

| Product                 | Production BIN                     | Sandbox BIN        |
| ----------------------- | ---------------------------------- | ------------------ |
| **Business Visa**       | `45659910`, `49372408`, `49372410` | `40963608`         |
| **Business Mastercard** | `539578`                           | `539578`, `525797` |
| **Personal Visa**       | `40433705`                         | `46651711`         |