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Issuing

Create physical or virtual payment cards

Get everything you need to create and manage your card program with our financial technology platform.

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Your card program, our tech

Issue physical or virtual cards with your own branding at scale with our advanced and flexible API-integration.

Secure and compliant

Be compliant by default and prevent fraud with card controls and custom authorization.

Unlock revenue and data

Profit from the interchange share, and actionable, connected data insights.

Leverage Adyen Acquiring to instantly fund your card program

Optimize cash flow the clever way. Unlike other card issuers, our unified payments platform means we can bridge your acquiring and card issuing - helping funds flow seamlessly from one side of your business to the other, with nothing tied up in transit.

Adyen Issuing Use Cases

Is Adyen Issuing right for you? We provide flexible card programs for a range of enterprise business models and industries.

Embedded Finance

Offer branded physical or virtual cards to the users of your platform or marketplace.

Make your users’ incoming funds instantly available on their cards for spending

Customize card designs and keep your brand top of mind with every purchase

Allow users to receive and spend in one place by combining cards with bank accounts

Supplier Payments

Get funds to your business partners or leisure & travel suppliers instantly with virtual cards.

Reduce the risk of error or fraud with one-time or multi-use virtual cards

Optimize cash flow by leveraging your acquiring to fund transactions instantly

Reconcile easily with linked incoming and outgoing payments

Get all the insights about optimizing your supplier payments setup in our dedicated guide .

Expense management

Streamline expense management and benefit programs with virtual or physical corporate cards.

Manage funds with in-depth card controls and intuitive authorization tools

Gain insights into transaction data to guide budget allocation better

Enjoy fully automated, real-time reconciliation with instant notification and reporting

Explore new ways to enhance your expense management offering with our complete guide .

Craft the perfect card payment experience

Whatever your business setup, we can help you issue the right card for your unique needs.

Issuing - Craft - Video

Physical cards

Customize onboarding, card branding, and card control rules

Enabled for use online, in store, and in app

Re-issue when expired, lost, or stolen

Virtual cards

Generate single or multi-use cards

Send single or batches of cards in preferred formats

APIs put automation and scale at your fingertips

Mobile wallets made for any situation

Enhance the experience of your cardholders with convenient digital payments. Cards issued through us can easily be added to mobile wallets for in-store, in-app, and online transactions.

Full control of card usage

Easily manage how funds are spent based on your custom configurations.

Location and time

Approved brands

Sales channel

Industry type

Merchant ID

Amount

Manage your card program with ease

Troubleshoot, manage, reconcile: everything you need to manage your program can be found in the Customer Area dashboard. With all your data in the one place, you’ll have full visibility to make real-time adjustments and confident decisions.

Reliable, transparent pricing

Enjoy fair, no-surprises pricing thanks to our transparent Interchange-- model. Our single API has everything required to run your program, which means no third party integrations or unpredictable costs. Just the freedom to optimize your revenue.

Advanced API integration

Our API-first design empowers you to create flexible and scalable solutions on our worldwide, end-to-end payment processing solution.

Documentation

A complete payments setup on one platform

Send or spend incoming funds with virtual or physical cards on the same infrastructure to accept and process payments. Our financial technology platform allows you to add solutions that work for your customers.

Issuing + Payments

Make funds through payments instantly available for spending on cards issued by Adyen by combining Issuing with our payments solution.

Learn more about Adyen for Platforms

Issuing + Accounts

For Issuing as an embedded financial service, users can access their funds quickly on a bank account embedded in your platform, increasing speed and efficiency.

Learn more about Accounts 

Issuing + Capital

Give platform users access to cash advances which they can immediately spend with a virtual or physical platform branded card. Add spend controls if necessary.

Learn more about Capital

Ready to take the next step?

Get in touch

Frequently asked questions

What are the differences between Adyen Issuing and traditional Issuing banks?

Custom Card Experiences

When working with traditional issuers, you often have to conform to a predetermined card experience, and there is little to no flexibility to change it. An integration with Adyen Issuing allows you to take full control of the card experience, and design it in a way that works for your card holders.

Faster Cash Flow

An integration with the Adyen platform enables you to consolidate issuing and acquiring with one provider, instead of having a setup with a separate issuing and acquiring bank. On top of that, all of our products and solutions are built in house which allows for a seamless cash flow from incoming funds through payments to funds for spending with cards issued by Adyen.

Simplified Set Up

When working with traditional issuing banks, you will almost always end up with a complex multi-provider set up. Maintaining multiple partnerships and integrations often costs a lot of resources and increases risk. With Adyen, you only need one integration to design, create and manage your card programme.

Centralized Transaction Data

Another benefit of combining Adyen’s payment and issuing solution are direct and actionable transaction data insights. The time you would have spent on aggregating the data from different providers you will now be able to spend on making cost-saving data-driven decisions.

What are the benefits of Adyen Issuing for Supplier Payments?

Time for Your Business

Traditional setups for paying your suppliers like wire transfers, ACH, and paper cheques cost your business a lot of operational time and cost. With Adyen Issuing, you can spend this valuable time on your business by automating your payment setup.

Fast Cash Flow

Working with a separate acquiring and issuing bank often creates delays in making incoming funds available for payouts. Adyen is a licensed acquiring and issuing bank, and our single platform seamlessly bridges your incoming and outgoing funds. This speeds up processing time and reduces risk for your business.

What are the benefits of Adyen Issuing for Expense Management?

Customizability

Where traditionally your business had to conform to the card experience that was defined by your issuing bank, Adyen Issuing offers full flexibility to design your own. You know what your users need better than anyone, and we enable you to offer an experience that matches that.

Spend Controls

No longer deal with expense issues after they’ve been made, but use spend controls to limit spending based on amount, location, business type, and much more.

Coverage and Compliance

To get coverage across regions often meant working with multiple issuers, resulting in complex multi-provider setups. Adyen Issuing has international coverage and deals with the complexity of local compliance for you.

What are the benefits of Adyen Issuing as an Embedded Financial Service?

For Your Users

SMB’s using your platform have had to deal with an external issuing bank that offers a ‘one-fits-all’ solution that is not tailored to their needs. You know exactly what your users need, and Adyen Issuing allows you to create and embed the perfect card experience in your platform. The report by BCG shows that this is a real opportunity because 60% of SMBs are interested in card products offered by their platform.

One Ecosystem

When your users work with an external Issuing bank, payouts cause delays, and for SMB’s this time can make or break their business. Payouts also mean that funds leave the ecosystem of your platform. With Adyen Issuing, funds will remain in the same ecosystem and your users can spend their incoming funds instantly with a platform branded card.

How can I start offering Adyen Issuing to my customers?

You can either integrate with Adyen Issuing as a stand-alone issuing solution, or combine it with our Adyen for Platforms offering.

Adyen Issuing is currently available for businesses in the US, UK, and Europe only. If you want to learn more about Adyen Issuing, or you would like to schedule a demo, get in touch here.

How can I monetize Adyen Issuing?

As soon as your customers or users start processing with the cards you issue, you will receive a share of the interchange fees. Read about the details on our interchange-- pricing page .

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