Issue virtual and physical cards for business expenses, media buying and supplier payments — on our shared live programs in days, or on your own dedicated BIN sponsored in the UK, Hong Kong or the USA. One REST API, real-time controls, spend you can see.
# Issue a virtual card — one call curl -X POST https://api.cards.ecapz.com/v2/cards/virtual \ -H 'X-Project: proj_live_8f2c' \ -d '{"company_id":"cmp_5e1a…","account_id":"acc_9b1d…", "owner_id":"9f8a…","name":"TikTok · EU Q3", "limits":{"month":250000}}' → {"success":true,"res":{"data":{"id":"card_b3f9…"}}}
Speed, control and cost pull against each other. Start on a shared live program today and migrate to your own BIN once volume justifies it — the API and the panel don't change.
Issue on BINs that are already certified, funded and running in production. No sponsorship application, no scheme certification, no minimums.
Your own BIN range under our sponsor bank in the UK, Hong Kong or the USA. Full isolation from other programs — your traffic, your risk profile, your acceptance history.
You hold the licence or principal membership; Card Bridge runs the issuing rails, processing, controls and reporting on top of it.
| Shared live program | Dedicated BIN | Own program | |
|---|---|---|---|
| Time to first card | Days | 6–10 weeks | 12+ weeks |
| BIN ownership | Card Bridge | Yours, under our sponsor | Yours, under your licence |
| Sponsor jurisdiction | Pre-selected | UK · Hong Kong · USA | Your choice |
| Traffic isolation | Shared range | Full isolation | Full isolation |
| Card art & descriptor | Standard | Custom | Custom |
| Limits | Standard tiers | Negotiated | Set by you |
| Interchange & FX upside | — | Shared | Yours |
| Setup cost | None | One-off | Project-based |
| Same API & admin panel | Yes | Yes | Yes |
Where your BIN is issued changes acceptance, settlement currency and the compliance regime you operate under. We sponsor in three, and you can run more than one in parallel.
FCA-authorised EMI sponsor. The default for European operations and GBP/EUR settlement.
SFC/HKMA-regulated sponsor. The pragmatic route for APAC-facing spend and USD/HKD settlement.
US bank sponsor with a US BIN — the best authorisation rates on US ad platforms and SaaS billing.
Issue a card per person, per campaign, per vendor or per invoice — each with its own limit, its own rules and its own line in the ledger.
A card per ad account, campaign or geo. High limits, instant replacement, and BIN isolation so one buyer's chargeback doesn't cost the whole team its authorisations.
Employee cards with monthly limits, MCC restrictions and receipt capture. Travel, meals and software land pre-coded instead of arriving as an expense report.
Single-use virtual cards per purchase order or invoice. The number is worthless after it's used, and the funding account is never exposed to the supplier.
Fund freelancers, agencies and affiliates on cards you can freeze in one call — no bank details, no payout rails, no waiting for cut-off times.
One card per vendor. Renewals stop being a surprise: set the ceiling to the contract value and the next unauthorised uplift simply declines.
Time-boxed cards for a trip or a conference, issued to a phone wallet in seconds and closed automatically when the dates pass.
Ad platforms judge a card by the company it keeps. Cards issued from a shared, mixed-quality BIN inherit everyone else's decline history. Your own BIN doesn't.
Program and per-card ceilings sized for six- and seven-figure monthly ad spend, not consumer caps.
A dedicated range isolates your authorisation history from other merchants' fraud and chargebacks.
Attribute every dollar without a spreadsheet. Kill a campaign, freeze its card — spend stops instantly.
Issue in seconds via API or the panel, share access with the buyer who needs it, revoke in one click.
| Card Bridge dedicated BIN | Traditional business bank | |
|---|---|---|
| BIN ownership | Yours, isolated | Shared with every customer |
| New card | Seconds, via API | Days to weeks, via a form |
| Cards per account | Unlimited | A handful |
| Exposure to others' fraud | None | Full — you share the range |
| Per-card rules | Limits, MCC, country, velocity | One blanket limit |
| Spend visibility | Real-time authorisations | Next-day statement |
| Scaling to 1,000 cards | A loop in your code | A relationship manager |
Every card carries its own policy. Every authorisation is decided against that policy in real time, and lands in a ledger your finance team can actually close a month with.
Daily, weekly, monthly and lifetime ceilings. Change them by API and the next authorisation obeys.
Allow or block by merchant category, country and channel. Online-only, ATM-off, single-merchant — your call.
Stop a card mid-campaign without closing it. Reopen when the review clears. All of it is one endpoint.
Route new cards, limit increases and top-ups through the approvers you define, with a full trail.
Admins, finance, buyers and viewers. People see the cards and accounts they're entitled to, and nothing else.
Balances, top-ups, authorisations and settlements per account and per card — as data, not as a PDF.
Card events, authorisations, declines and KYC status pushed to your systems as they happen.
Onboard companies and cardholders through the API — document capture, checks and status, no side portal.
Who issued which card, who raised which limit, who approved it and when. Exportable for auditors.
Card Bridge is a REST API with a management panel on top — not a portal with an API bolted on. Onboarding, issuing, funding, controls and transactions are all addressable.
The full contract, published and versioned. Generate a client in your language in one command.
HMAC-SHA256 request signing with a project key, plus idempotency keys on every mutating call.
Same endpoints, same error catalogue, test BINs and simulated authorisations.
Card lifecycle, authorisations, declines, top-ups and KYC transitions — signed and retried.
A complete numeric error catalogue, so your integration can branch on codes instead of strings.
# POST /v2/cards/virtual { "company_id": "cmp_5e1a7b9c-3d2f-4e8a-91b0-d6e4f0c2a134", "account_id": "acc_9b1d4f0a-7c1e-4a2b-90d5-0e72c3fa1d11", "owner_id": "9f8a3c7e-2db1-4c0a-9c2e-b8a98e0f1a3d", "name": "Meta Ads · US", "card_type": "virtual", "limits": { "month": 250000 } } → 200 { "success": true, "res": { "data": { "id": "card_b3f99a0c-7d51-4d28-9c3e-aa412e8f7c45" } } }
# POST /v2/accounts/topup — fund the account { "company_id": "cmp_5e1a…", "account_id": "acc_9b1d…", "amount": 50000, "currency": "USD" } # POST /v2/cards/deposit — move it onto the card { "company_id": "cmp_5e1a…", "card_id": "card_b3f9…", "amount": 12500 } → 200 { "success": true } # Cards spend only what has been loaded onto them — # the top-up is your hard spending control.
# POST /v2/cards/spend-limit { "company_id": "cmp_5e1a…", "card_id": "card_b3f9…", "limits": { "day": 20000, "month": 250000 } } # Pause spend without closing the card POST /v2/cards/freeze { "card_id": "card_b3f9…" } POST /v2/cards/unfreeze { "card_id": "card_b3f9…" } → the next authorisation is decided against the new policy.
# POST /v2/accounts/transactions { "company_id": "cmp_5e1a…", "account_id": "acc_9b1d…", "from": "2026-07-01", "to": "2026-07-31" } → 200 { "success": true, "res": { "data": [ { "card_id": "card_b3f9…", "merchant": "FACEBK ADS", "amount": 4820.00, "currency": "USD", "status": "settled", "mcc": "7311" } ] } }
# POST https://your-app.example/webhooks/card-bridge # X-CB-Signature: sha256=… { "event": "card.authorization.declined", "created_at": "2026-07-28T09:14:02Z", "data": { "card_id": "card_b3f9…", "merchant": "GOOGLE ADS", "amount": 1200.00, "reason": "limit_exceeded" } } # Retried with backoff until you return 2xx.
No interchange games, no hidden spread. You pay a percentage on money you load, a small monthly fee per active card, and — on a dedicated program — a setup and platform fee. Move the numbers below to see the whole bill.
Defaults are indicative for the selected program. Your commercial terms are fixed at onboarding — edit these to model an agreed rate card.
| Fee | Basis | Rate | Cost |
|---|---|---|---|
| Total per month | $7,200.00 | ||
Indicative only, and not an offer. Figures exclude scheme and network pass-through charges, FX on non-USD settlement, chargeback handling and any taxes. Card loads are the spending control: a card can only spend what has been loaded onto it, and the load fee is charged at top-up and is not refunded if funds are later unloaded.
Monthly terms on shared programs. Start with ten cards and grow, or stop — no minimum volume commitment.
Load rates step down as monthly volume grows. Past $5M a month the conversation is a rate card, not a price list.
On dedicated and own programs, interchange and FX upside is shared or kept entirely by you.
Card data never touches your infrastructure, and cardholder identity is verified before the first authorisation.
PANs and CVVs stay inside the certified issuing environment; you handle tokens and references.
Company and cardholder verification with document capture, screening and an auditable status trail.
Strong customer authentication with OTP or in-app approval, tuned per program to keep declines down.
Every BIN sits under a regulated sponsor — FCA in the UK, HKMA-supervised in Hong Kong, a bank in the US.
Tell us where your spend goes and how much of it there is. We'll come back with a rate card, the right jurisdiction and a sandbox key.