Issue a virtual USD Mastercard for every person, vendor or customer, and set the limit on each one. Fund them all from a single Fincra USD wallet.
Fincra Card Issuing lets African businesses, global platforms and fintechs put a virtual USD Mastercard in the hands of their staff or their customers, funded from one wallet.
Most businesses come to us to issue cards to their customers. If you only need cards for your own team, you do not have to build anything.
You are the issuer. You create cardholders and cards through the Fincra API, inside your own app, under your own brand.
Cards for your own company, linked straight to your Fincra USD wallet. You work in the dashboard. There is nothing to build.
Swipe to see both
| Card Issuing | Business Cards | |
|---|---|---|
| Who holds the cards | Your customers, or your team | Your own team |
| What you build | Your app, on the Fincra API | Nothing |
| Where you work | Your own product | The Fincra dashboard |
| Whose brand | Yours | Fincra |
| Time to first card | As soon as your build is ready | The same day you activate |
| Card types | All three | Business Standard, Business World |
No scheme membership to win and no card platform to build. Pass onboarding, choose a card type, then create your first card.
Pass business verification and issue. No scheme application, no processor build.
Every card works where Mastercard is taken online. Pay in any currency. Mastercard converts to USD.
Business cards carry Mastercard Easy Savings Specials, a platform of about 200 global offers.
Cardholders link the card to Alipay or WeChat Pay and pay Chinese sellers face to face.
Two business cards for the people inside a company. One consumer card for the customers of your app. All three are virtual, in USD, and on the Mastercard network.
The everyday business card. Best where you issue many cards and want the lowest cost for each one.
Best for senior spenders, larger card values and your most important suppliers.
The card you give your own customers. Best for a wallet app, a neobank or any product with consumer users.
Two business cards for your team, one consumer card for your customers. All three are virtual, in USD, and work anywhere Mastercard is taken online.
Swipe to compare all three
| Business Standard | Business World | Consumer Platinum | |
|---|---|---|---|
| Who holds the card | Your team | Your team | Your customers |
| Price | Contact sales | Contact sales | Contact sales |
| Online purchase, worldwide | Yes | Yes | Yes |
| Recurring subscriptions | Yes | Yes | Yes |
| 3-D Secure, one-time password | Yes | Yes | Yes |
| Alipay and WeChat Pay in China | Yes | Yes | Yes |
| Mastercard Easy Savings Specials | Yes | Yes | No |
| Spend rules you set | Yes | Yes | No |
| Many virtual cards under one card | Yes | Yes | No |
| Freeze, unfreeze and terminate | Yes | Yes | Yes |
| Spend limits | Set for your account | Set for your account | A published tariff |
However you issue, the path from account to live card is the same five steps.
Easy Savings Specials is a Mastercard discount platform. Mastercard builds the offers around the way the card is used, so the savings follow what your team already buys.
The offers sit with Mastercard, and the list changes over time.
Just enough for Mastercard to confirm the card qualifies for the offer.
Mastercard returns a code for the merchant's checkout. Some offers apply on their own, with no code at all.
Regus holds about 100 workspaces in Nigeria and more than 100,000 worldwide. Offers change. Business Standard and Business World only.
Wallet apps, marketplaces and importers. The cards are the same. What changes is who holds them and what you control.
Give every user a card for streaming, hosting and stores abroad, under your own brand.
Create the cardholder once, then issue as many cards as that person needs.
Your app shows the card balance and every transaction. We call your service as each one happens.
Issue a card to each seller, driver or agent, and keep every balance separate from your wallet.
Nine spend rules on a business card: merchant, category, country, amount, time of day and more.
Freeze a card the moment something looks wrong. Unfreeze it later, or terminate it for good.
Link the card to Alipay or WeChat Pay and buy stock and raw materials in person.
Give one card to each supplier or each order, so a charge is always traceable to a purchase.
A card holds only the money you move onto it. Your wallet balance is never open to a card.
Nine spend rules on a business card, in three groups. Set a rule on the main card, or on each virtual card under it.
A smallest and a largest transaction amount.
How much the card can spend in a day, and in a month.
A ceiling on how much of the limit a card may use.
Only the kinds of business you allow.
One named seller, and nobody else.
The countries where the card works.
The hours when the card works.
A start date and an end date for the card.
The transaction environment the card accepts.
Spend rules are a business-card feature. These three are not: they come with every card Fincra issues.
Stop a card in one call, and start it again later.
Close a card for good. A closed card never reopens.
Card details are shown through a one-time token, not stored in your app.
A one-time password goes to the cardholder at the checkout.
Available falls the moment a payment is approved. Posted falls when the payment settles. Pending is the gap between the two.
Card movements are funding, authorisation and reversal. Nothing is edited. A reversal is a new entry that points at the original.
Read transaction and balance reports at any time. We call your service as each transaction happens.
The price, the funding, the limits and the timeline. If your question is not here, the card issuing team will answer it.
Price depends on the card type you choose and the number of cards you issue. Talk to sales and we will give you a written price and the card terms before you activate.
Virtual, and in USD. A cardholder reveals the card number, the expiry date and the security code through a one-time token, then uses the card online.
Your Fincra USD wallet. You move money onto a card before the cardholder spends. Each card balance is held apart from the wallet balance, so one card cannot spend another card's money.
You can freeze a card at once, and unfreeze it later. You can terminate a card, and that is final. Three failed payments for low balance inside 24 hours also close the card.
Not today. The cards are for online purchase, and for in-person payment in China through Alipay and WeChat Pay.
Business Cards issue the same day you activate in the dashboard. Card Issuing goes live as soon as your build is ready and your account is verified.
Talk to the card issuing team about the right card type and your price.
Create an account instantly and start accepting payments. You can also contact us to design a custom package for your business.
