Launch Your Own Branded Card Program
Offer white-label and co-branded virtual and physical cards with flexible API integration and support for leading digital wallets.
- Your brand on every card
- Virtual and physical options
- API-powered integration
- Digital-wallet ready
Ready for the Wallets Customers Already Use
Give eligible cardholders the convenience of adding their cards to leading digital wallets for a faster and more connected payment experience.
- Apple Pay
- Google Pay
- Samsung Pay
- WeChat Pay
Add digitally. Tap to pay. Keep your brand connected to customers wherever they go.
Digital-wallet availability depends on the selected card program, card network, issuer, device, jurisdiction and partner approval.
Choose the Right Program for Your Business
White-Label Card Program
Launch virtual and physical cards with an experience built entirely around your brand.
- Your brand on every card
- Full control over the card experience
- Virtual and physical card options
Co-Branded Card Program
Launch through a supported co-branded structure while maintaining strong visibility for your business.
- Shared brand visibility
- Faster route to market
- Dedicated program support
Build With APIs, Not From Scratch
Connect card capabilities directly to your existing fintech platform, exchange, wallet or application.
- Create and manage cardholders
- Create virtual cards
- Request eligible physical cards
- Activate and freeze cards
- View balances and transactions
- Apply available card controls
- Receive transaction and status updates
Available API capabilities depend on the selected card program and technical configuration.
# Issue a virtual card for an existing cardholder
curl -X POST https://api.upay.best/v1/cards \
-H "Authorization: Bearer $UPAY_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"cardholder_id": "ch_8f2b91",
"type": "virtual",
"currency": "USD",
"spend_limit": { "amount": 250000, "interval": "monthly" },
"brand_profile": "your_brand"
}'{
"id": "card_3d91ff",
"status": "active",
"last4": "8472",
"wallet_eligible": true
}Launch Faster
Connect to established card infrastructure instead of building the entire program internally.
Strengthen Your Brand
Keep your business visible across cards, digital wallets and customer experiences.
Scale Through APIs
Integrate once and use flexible technology to grow your card program.
- 130+
- Clients
- 45K+
- Cards Issued
- $300M+
- Transaction Volume
Figures are rounded and based on UPay Business internal data as of [MONTH AND YEAR].
Guides for card program teams
White-Label vs Co-Branded Cards: Which Program Fits Your Business
The two structures differ in control, speed to market and operational load. Here is how to tell which one your business should actually be asking for.
21 August 2026 · 3 min readDigital WalletsDigital Wallet Support: What Tokenization Actually Requires
Adding a card to Apple Pay or Google Pay looks like one tap. Behind it sits a tokenization chain with several parties who each have to say yes.
18 August 2026 · 3 min readEngineeringIntegrating a Card Issuing API: What Your Engineers Need to Know
The parts of a card issuing integration that surprise teams — webhook-first design, authorisation timing, and the edge cases that only appear in production.
14 August 2026 · 4 min readProgramme ManagementLaunching a Card Program: The Pre-Launch Checklist
Forty items across eligibility, compliance, product, engineering and support — the ones that actually delay launches, in the order they bite.
11 August 2026 · 4 min readFrequently Asked Questions
Can the cards be fully branded?
Yes. Eligible white-label programs allow your brand to appear across the card and customer experience. Final designs are subject to program and partner approval.
Do you support virtual and physical cards?
Yes. Virtual and physical card options may be available depending on the selected program and target market.
Do the cards support digital wallets?
Eligible programs can support Apple Pay, Google Pay, Samsung Pay and WeChat Pay. Availability depends on the card program, network, issuer, device and market.
How does API integration work?
UPay Business APIs connect eligible card creation, management, transaction and control capabilities to your existing platform. Technical documentation and integration support are available during implementation.
How long does it take to launch a card program?
Timelines depend on the programme, market and how much of the compliance work is already in place. Virtual-only co-branded programmes move fastest; white-label programmes with physical cards take longer because manufacturing, shipping and network approvals are involved. We give you a realistic schedule during the scoping call rather than a headline number.
What is the difference between white-label and co-branded?
On a white-label programme the customer experience is entirely yours — your brand on the card, in the app, and through support. A co-branded programme runs on a supported structure where your brand appears alongside the programme's, which shortens the route to market and reduces the operational load on your team.
Which countries can we issue cards in?
Issuing geography is determined by the licences held by the issuer and BIN sponsor behind your programme, not by UPay alone. Availability differs by programme, so we confirm the exact list of eligible markets for your use case before anything is agreed.
What compliance obligations sit with us?
You own the customer relationship, so onboarding, KYC collection and ongoing monitoring of your own users typically sit with you, supported by our tooling. Programme-level obligations sit with the issuer. The precise split is set out in your programme agreement and confirmed before launch.
Do we need our own licence?
In most cases no — programmes run under the issuer's licence, which is a large part of why partnering is faster than building. Whether a licence is required on your side depends on your jurisdiction, your role in the flow and how funds move, so it is assessed during eligibility review.
What does it cost?
Pricing depends on programme type, card volumes, markets and which capabilities you enable. There are typically setup, per-card and per-transaction components. We quote against your actual projected volumes after the scoping call rather than publishing a rate card that will not match your case.
Can we test before going live?
Yes. A sandbox environment is available so your team can build and test card creation, controls and webhook handling against test data before any real cards are issued.
What happens after we submit the form?
A member of the card programs team reviews your details and comes back within one business day to arrange a scoping call. That call covers programme fit, eligible markets, integration effort and timelines — there is no obligation to proceed.
Ready to Put Your Brand in Their Wallet?
Tell us what you want to launch and discover the right card program for your business.
Launch Your Card ProgramWhite-label cards. Co-branded cards. One connected infrastructure.