01
PCI DSS Compliance
Use a unique card for each purchase to protect your real card details and avoid fraud.
2.5k+Freelancers & Developers
#1 Trusted USD Prepaid Credit Card Platform
Issue virtual cardsinstantly with Cardyfie
Perfect for developers, startups, and businesses looking for secure and flexible virtual payments with our white-label API under your own brand.
- PCI DSS Level 1
- SOC 2 Type II
- 99.99% uptime
Payment approvedFigma · $1,240.00 · just now
event: card.created
Team balance$84,120.50 ↗ 4.2%
Powering card programs for teams at
- NORTHBEAM
- Payloom
- VAULTIC
- finch&co
- Ledgerly
- ORBITPAY
- minthouse
- Kestrel
Every fintech eventually needs cards. Most spend a year negotiating BINs, wrangling processors and passing audits. Cardyfie compresses all of it into an API call — so your card program ships this quarter, not next year.
The issuing layer for modern finance
Everything included
One platform for all of cards.
Issuing, controls, funding, disputes and data — the whole card stack behind one integration.
Cards & controls that run themselves
Cardyfie•••• •••• •••• 4291
$1,850 at United Airlines
Approved in 41ms — within policy
Approved in 41ms — within policy
Receipt matched
No action needed from you
No action needed from you
Merchant lock applied
Travel category only
Travel category only
Funding without chasing approvals
FUNDING REQUEST #FR-2291
Program float top-up
Issuing float · USD$250,000.00
Reserve account$50,000.00
Add destination…
Auto-approved by policy · settles in 2h
Disputes that resolve themselves
Duplicate charge · UberResolved
Chargeback · Delta $410Evidence sent
ATM dispute · $60.00In review
Fraud claim · $1,204.80Credited
92% of disputes closed without your team touching them.
Treasury that flows to the highest return
Cash & treasury
$658,356.89+$14,581.77
Sweep $30,000 to reserveApprove
200+ integrations to the tools you already use
Accounting, HRIS, ERP and data warehouses — synced in real time.
The platform
Every card primitive, one platform.
From issuance to real-time authorization, everything you need to run a card program — without becoming a bank.
Virtual Card Issuance
Every virtual card is protected with bank-grade encryption and tokenization. Your real card or bank details are never exposed during transactions.
Live cards
card_9d21afACTIVE
card_4h77bcSHIPPED
card_2x91kdFROZEN
Developer-Friendly API
Easily integrate with our powerful API designed for developers, enabling seamless virtual card issuance and management within your apps.
Dashboard & User Management
Create, freeze, unfreeze, or delete cards anytime. Cardyfie puts you in charge—no more calling banks or waiting on support.
White-label Branding
Launch with your own branding. Customize the look and feel of the platform and cards to match your company identity.
USDEURGBP+37
Secure Payments & Fraud Detection
Shop globally with confidence. Cardyfie monitors transactions in real time to prevent fraud and supports multiple currencies worldwide.
Top-Up & Withdrawal Options
Easily fund your virtual wallet or withdraw to your bank account with multiple supported payment options.
Command center
Your whole program, one pane of glass.
Issue, freeze, fund and audit — from a dashboard your ops team will fight over.
Developers
One API.
Every card, everywhere.
A REST API your team will actually enjoy. Predictable resources, idempotent writes, instant sandbox — from first call to first card in under an hour.
- Webhooks for every lifecycle event24 events
- Idempotent writes, versioned APIv2026-07
- SDKs for your stackJS · PHP · Py · Go · Rb · Java
create_card.sh201 · 42ms
POST /v1/cards
{
"type": "virtual",
"brand": "cardyfie-black",
"holder": "usr_8f3k2m",
"limits": { "monthly": 500000 },
"controls": ["ecommerce", "3ds"]
}
// response
{
"id": "card_9d21af",
"status": "active",
"pan_token": "tok_****4291"
}
Use Case
One platform, every program.
Keep scrolling02
Transaction Monitoring
No more surprise charges! Create dedicated cards for Netflix, Spotify, SaaS tools, and cancel them anytime with a click.
85%Startup Finance Teams
03
3D Secure
Shop globally without worrying about currency conversions or blocked payments. Cardyfie works wherever Visa/Mastercard is accepted.
$1.2MOnline Businesses
04
Data Protection Policies
Issue virtual cards to team members for travel, SaaS, and operational costs. Track and limit spending in real time.
500+Global Payments & Subscriptions
The life of an authorization
Tap to approved in
42 milliseconds.
- t = 0msCard tapped
A cardholder pays at a terminal, online or in-wallet.
- t = 9msNetwork routes
Visa or Mastercard delivers the request to Cardyfie.
- t = 24msYour rules run
Limits, merchant locks and your live webhook decide in-flight.
- t = 42msApproved
Funds hold, ledger entry, webhook and push — all instant.
$1,240.00 — Figma Inc.Approved · policy “Design tools” · card ••429142ms
How It Works
Step-by-step overview
Make online payments safer, faster, and more flexible — in just 4 simple steps.
- STEP 01
Sign Up Instantly
Create your Cardyfie account in minutes using your email or phone number. Verify your identity for security and compliance.
- STEP 02
Fund Wallet
Use your virtual card anywhere Visa or Mastercard is accepted online. Get real-time transaction alerts, manage your cards, and stay in full control.
- STEP 03
Create Your Virtual Card
Generate a virtual card instantly from your dashboard. Choose spending limits, set usage type (one-time or recurring), and name your card.
- STEP 04
Use Anywhere
Manage on the Go — Use the Cardyfie app to freeze cards, adjust limits, or view transactions, anytime, anywhere.
- 99.99%Authorization uptime
- <60msMedian auth latency
- 4.2M+Cards issued to date
- 40+Markets supported
Card design
Your brand, on the metal.
Design in the dashboard, preview in 3D, ship in weeks. Emerald, obsidian or platinum — or fully custom art.
Every surface, one system
CARDS IN
MOTION
Security
Bank-grade, audited, boring.
Security is the product. Raw PANs never touch your servers, and every control is audited by third parties so your diligence review is a formality.
PCI DSS Level 1
Highest certification level, re-audited annually. Card data lives in our vault, never in your stack.
Tokenized everything
Network tokens for wallets, PAN tokens for your database. Rotate or revoke with one call.
3-D Secure, built in
Frictionless step-up authentication with risk-based rules you control per program.
SOC 2 Type II
Continuous compliance monitoring with reports available under NDA in the dashboard.
Loved by teams who ship.
The virtual cards work everywhere I need — ads, subscriptions, even SaaS tools. Absolute game changer.
Managing our team’s spending with Cardyfie is seamless. The business plan gives us real control.
I’ve used a lot of payment tools, but Cardyfie offers the best exchange rate and reliability.
Cardyfie is the only card service that worked perfectly with my AI subscriptions and remote tools.
Their support team helped me resolve an issue within hours. Super impressed!
I use Cardyfie Platinum card with Apple Pay every day. It just works. No hidden charges.
With unlimited cards and spending limits per team, we’ve cut down on fraud and overspending.
Cardyfie saved me from multiple declined transactions on other platforms. Solid platform!
Pricing
Pay for cards, not promises.
Usage-based from the first card. No platform fees until you're in production.
Sandbox
$0
Unlimited test cards, full API surface, forever.
- Full sandbox environment
- All SDKs & webhooks
- Simulated network events
Production
USAGE-BASED$0.50 /card/mo
Volume discounts from 10k cards. Interchange share available.
- Virtual & physical issuing
- Dedicated BIN options
- 24/7 program support
FAQ
Questions, answered.
Yes, Cardyfie allows users to create unlimited virtual cards under both Individual and Business plans.
1. Universal Card: Best for online services like ads, domains, servers, streaming, AI tools, and travel bookings. 2. Platinum Card: Ideal for everyday spending with better exchange rates and support for Apple Pay and Google Pay.
The Individual Plan is perfect for freelancers, developers, and personal users who want to issue cards for online use and test integrations in a sandbox environment.
The Business Plan includes production access, higher transaction limits, and is ideal for startups, companies, and platforms integrating card issuing via API.
Yes. Both plans offer sandbox access for testing. Only the Business Plan includes production-level access.
Not for regular users. Developers integrating with the API will need technical knowledge, or you can request our paid integration support.
Yes. Platinum Cards are fully compatible with both Apple Pay and Google Pay for seamless contactless transactions.
Yes, Cardyfie offers flexible billing. You can cancel, pause, or upgrade your plan at any time.
No hidden charges. All card fees and transaction costs are clearly listed on our pricing page.
No. Both individuals and businesses can use Cardyfie. Choose the plan that fits your use case and scale.