> ## 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. # Overview > Issue and manage virtual and physical cards for your cardholders through the UQPAY API. 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 Issue your first virtual card in a few API calls. Understand card forms, funding modes, and configuration options. ## Build your integration Register cardholder identities before issuing cards. Create virtual cards and deliver card credentials to cardholders. Assign and activate physical cards for cardholders. Freeze, unfreeze, and cancel cards through the API. ## Manage and control Deposit funds to your issuing balance before cards can transact. Set transaction limits and merchant category restrictions. Configure 3DS authentication for online card transactions. Simulate transactions and test your integration end to end.