Skip to main content
Card Issuance lets you create and manage Visa and Mastercard debit and prepaid cards for your cardholders. You can issue virtual cards instantly, assign physical cards, set spending controls, and manage the full card lifecycle through the API.

​
Key capabilities

  • Virtual and physical cards — Issue virtual cards instantly or assign pre-manufactured physical cards to cardholders.
  • Flexible funding models — Choose between Single mode (prepaid, pre-funded) or Share mode (draws from your issuing balance).
  • Spending controls — Set per-transaction limits and merchant category restrictions.
  • 3D Secure — Built-in 3DS authentication with OTP delivery for online transactions.
  • Authorization decisions — Take full control of transaction approval. The Authorization Decision API forwards UQPAY-approved transactions to your endpoint so you can make the final approve or decline decision based on your own business logic.
  • Sandbox simulation — Simulate authorizations and reversals to test your integration before going live.

​
Get started

Quickstart

Issue your first virtual card in a few API calls.

Core concepts

Understand card forms, funding modes, and configuration options.

​
Build your integration

Create cardholders

Register cardholder identities before issuing cards.

Issue virtual cards

Create virtual cards and deliver card credentials to cardholders.

Issue physical cards

Assign and activate physical cards for cardholders.

Card lifecycle

Freeze, unfreeze, and cancel cards through the API.

​
Manage and control

Fund your issuing balance

Deposit funds to your issuing balance before cards can transact.

Spending controls

Set transaction limits and merchant category restrictions.

3D Secure

Configure 3DS authentication for online card transactions.

Testing in sandbox

Simulate transactions and test your integration end to end.