DEBIT PROGRAM

Debit Card
Programs

Build consumer and commercial debit programs linked to deposit accounts. Real-time authorization, instant issuance, and full spend control — powered by a single API.

USE CASES

Debit programs for
modern banking

Whether you're building a consumer bank, a commercial platform, or a neobank, our debit infrastructure scales with you.

Consumer Banking

Power everyday spending with debit cards linked to deposit accounts. Full ATM network access, direct deposit support, and instant transaction notifications for a modern banking experience.

Everyday spending
ATM access
Direct deposit
Instant notifications

Commercial Banking

Issue business debit cards with departmental budgets and granular spend controls. Streamline expense management with real-time visibility into every transaction across your organization.

Business expense cards
Departmental budgets
Multi-user controls
Receipt capture

Neobanking

Build digital-first banking experiences with instant debit card issuance to mobile wallets. Push notifications, spend insights, and seamless onboarding for the next generation of banking.

Digital-first banking
Mobile wallet provisioning
Spend insights
Instant onboarding
CAPABILITIES

Full-featured
debit infrastructure

Everything you need to issue, manage, and secure debit cards linked to deposit accounts — at any scale.

Deposit Account Linking

Seamlessly link debit cards to underlying deposit accounts with real-time balance synchronization and overdraft protection.

Real-Time Notifications

Push transaction alerts instantly via webhooks. Every purchase, ATM withdrawal, and decline triggers a real-time event your app can act on.

Spend Controls

Set merchant category restrictions, transaction limits, geographic boundaries, and time-of-day rules. Adjust controls in real time via API.

ATM Network Access

Connect to 50,000+ ATMs nationwide with surcharge-free options. Support for domestic and international cash withdrawals and balance inquiries.

Contactless & Mobile Pay

Tokenize cards for Apple Pay, Google Pay, and Samsung Pay. Support NFC contactless payments at point-of-sale terminals worldwide.

Fraud Detection

ML-powered fraud scoring on every transaction. Configurable risk rules, velocity checks, and real-time decisioning to block suspicious activity.

create-debit-card.ts
const card = await coreIssuance.cards.create({
type: "debit",
currency: "usd",
deposit_account: "dep_9f8a7b6c5d4e",
cardholder: {
first_name: "Alex",
last_name: "Morgan",
email: "alex@company.com",
},
spend_controls: {
daily_limit: 5000,
atm_enabled: true,
contactless: true,
},
});
// => card_3x7k9m2p1n8q
INTEGRATION

Issue debit cards
with a single API call

Create debit cards linked to deposit accounts in a single request. Configure spend controls, set daily limits, enable ATM access and contactless payments — all programmatically. Our API returns a fully provisioned card ready for immediate use.

Link to any deposit account
Configurable spend controls per card
Instant virtual card provisioning
Apple Pay & Google Pay tokenization
Real-time authorization webhooks

Ready to build your
debit program?

Get your API keys and start issuing debit cards in minutes. Full sandbox environment and dedicated support included.