Launch Virtual Card Programs in Days, Not Months
Issue and manage virtual cards at scale with LendAPI’s infrastructure. Automate underwriting, configure spend controls, and track usage in real time, all through one platform.
Launch in Days
Get your virtual card program live using LendAPI’s prebuilt flows and card integrations.
Track in Real Time
Instantly monitor spend, freeze cards, or replenish balances via API or dashboard.
How Virtual Cards with LendAPI work
Soft checks to pre-qualify users for virtual card issuance without affecting their credit score.
Real-time API & rules engine
Dynamic risk assessment
No code eligibility setup
Define allowed merchants, spend limits, top-up thresholds, and more.
Smart usage templates
MCC/category filters
Time-based or event-based controls
Push-to-wallet provisioning or display details securely in your portal.
Partner integrations (Visa, Mastercard, Marqeta, Lithic)
Single-use or multi-use cards
Secure tokenized delivery
Track balances, set auto top-ups, and flag suspicious activity.
Usage dashboards
Webhook alerts
Freeze/suspend actions
WHY CHOOSE
Define when and how virtual cards are issued using our Rules Studio — no dev work needed.
Custom Logic, No Code
Define when and how virtual cards are issued using our Rules Studio with no dev work needed.
Full Program Control
Live Spend Intelligence
Track spend behavior, declines, limits, and utilization in real time. Optimize rules based on actual usage data.