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4 min read
Card issuing APIs (application programming interfaces) are tools that can enable businesses to efficiently create, issue, monitor and manage their card programs, enhancing operational efficiency and security.
A card issuing API is a set of programming interfaces that allows developers to integrate card issuance into their applications or platforms. These interfaces connect businesses with financial institutions and fintech services, providing programmatic control over payment card issuance and management.
Card issuing APIs can handle essential card functions including creation, activation, blocking, transaction monitoring and balance inquiries—all through custom software environments. Businesses can configure these modular systems to meet their specific operational and regulatory needs. APIs support multiple card types, including corporate cards, virtual cards, prepaid cards, debit cards, gift cards and more.
Card issuing APIs function through seven main processes:
These functions combine to streamline payment cards management, giving businesses greater control over their card programs.
Card issuing APIs help businesses manage payment systems more efficiently. Key advantages include:
As the No. 1 commercial card provider in the U.S.,1 J.P. Morgan offers the expertise and support you need to implement card issuing APIs effectively. Contact us to explore how our corporate card solutions can help optimize your payment operations.
JPMorgan Chase Bank, N.A. Member FDIC. Visit jpmorgan.com/commercial-banking/legal-disclaimer for disclosures and disclaimers related to this content.
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The Nilson Report, Issue 1220, May 2022
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