Launch a card program
in weeks, not quarters.
Full lifecycle management for virtual and physical prepaid programs: issue, load, control, monitor and settle. From payroll and expense cards to gift, travel and government disbursement, QCard gives banks and fintechs the full issuing stack — BIN management to settlement — behind one API and one dashboard.
The full prepaid lifecycle, managed.
Everything a modern issuer needs — instant virtual and physical issuance, real-time controls, streaming authorizations and daily reconciliation — behind one API and one contract.
Virtual & physical issuance
Issue virtual cards instantly via API and physical cards through integrated personalisation and fulfilment partners — single cards or batches in the thousands.
Instant loads & unloads
Fund cards from bank transfer, corporate float or payroll files, individually or in bulk. Unload and redistribute balances just as easily when programs change.
Spend controls
Per-card limits by amount, merchant category, channel, country and time window. Freeze and unfreeze in real time — from the dashboard, the API or your own app.
Real-time monitoring
Every authorization streams to your dashboard and webhooks as it happens, declines annotated by reason — no end-of-day files to wait on.
Program management
Run multiple programs — expense, gift, disbursement — on separate BIN ranges with their own fee schedules, card designs and control policies, all under one contract.
Settlement & reconciliation
Automated scheme settlement, float accounting and daily reconciliation reports that tie every card transaction back to program ledgers, to the minor unit.
From API call to card in hand — with the guardrails built in.
Create a cardholder, mint a virtual card and set its spend policy in a single flow. Every card carries limits, merchant and country rules, and a freeze switch you can flip in real time.
- Instant virtual issuanceMint a spendable card over the API in milliseconds — no waiting on plastic.
- Granular spend controlsAmount, MCC, channel, country and time-window limits per card.
- Real-time freezeFreeze, unfreeze or close a card from the dashboard, the API or your app.
Every authorization, streamed. Every naira, reconciled.
Watch spend as it happens instead of waiting on end-of-day files. Authorizations and declines land on your dashboard and webhooks in real time, and settlement ties every transaction back to the ledger automatically.
- Streaming authorizationsLive approvals and declines, each annotated with a reason code.
- Signed webhooksPush every card event into your systems the moment it occurs.
- Daily reconciliationScheme settlement and float accounting tied to program ledgers, to the minor unit.
Three steps to cards in customers' hands.
Design your program
Choose card type, currency, limits and fee structure. Our team handles BIN sponsorship and scheme onboarding with you.
Issue and load
Create cardholders and cards via API or bulk upload, then fund balances instantly from your program float.
Control and settle
Authorizations respect your controls in real time; settlement and reconciliation run automatically every day.
One issuing stack, every card use case.
Spin up distinct programs on their own BIN ranges — each with its own controls, fee schedule and card design — without a second integration.
Complete your issuing stack.
QCard composes with the rest of the QoinPay suite — tokenize card data, authenticate cardholders and run recurring loads, all under one contract.
QVault
Network tokenization with push provisioning and a hardened vault — one hub for issuers, one for acquirers and merchants.
Explore QVault AuthenticationQAuth
ACS, risk-based authentication, passkeys and in-app approval — layered strong customer authentication that keeps good customers moving.
Explore QAuth IssuingQSub
Recurring billing with smart retries plus QFlex issuer instalments — recover failed renewals and split big-ticket payments.
Explore QSubYour brand on the card. Our rails underneath.
Tell us about the program you want to launch and we'll scope the pilot — BIN, design, controls and settlement — in one call.