Your first card,
issued today.

ShipCard is the API orchestration layer that turns 18 months and $5M of card program infrastructure into a single API call. Virtual cards, JIT funding, second-chance approvals, and top-of-wallet activation — all wired together, production-ready.

Live Demo

No procurement process. No 18-month IT queue. Virtual cards live the same day.

The Problem

The card issuing stack is broken.

Legacy infrastructure means 18-month timelines, $5M+ buildouts, and approval rates that leave revenue on the table. ShipCard rewires the whole stack.

6 in 10

Applicants declined by legacy issuers on average — lost revenue, not lost customers

$300K+

Estimated annual interchange lost per 1,000 declined applicants at median spend

18 months

Typical time-to-launch for a net-new card program without ShipCard

Today

Time to your first live card with ShipCard — real rails, real spend

Validated by executives who've run billion-dollar card programs at the world's largest financial institutions.

The Platform

One Connection. Every Feature.

The complete card program lifecycle — Acquire, Convert, Activate, Retain, Scale — wired together and ready to ship.

Acquire

Virtual card in minutes. Spend the same day.

Connect to the Card Issuing Network via a single API. Issue virtual cards instantly with configurable limits, controls, and spend categories. No 12-month bank IT queue.

Sub-second card creation
Configurable spend controls
Real-time balance management
Multi-issuer routing built in

Developer-First

From zero to live cards in three steps.

Connect

Point ShipCard at your preferred Card Issuing Network. One API key. No separate integration work per issuer.

// One line to activate an issuer
const card = await shipcard.issue({
  cardholder: { name, email },
  program: "consumer_credit",
});

Configure

Define your card program in plain language. Spend controls, reward types, approval logic, and partner integrations — all config, not code.

// Configure your program
{
  "rewards": "bitcoin",
  "approval_model": "second_look",
  "top_of_wallet": true,
  "spend_controls": { "daily_limit": 5000 }
}

Ship

Cards go live. Real rails, real spend, real data. Monitor every transaction, authorization, and balance in the dashboard — or via webhook.

// Webhook: card authorized
{
  "event": "authorization.created",
  "card_token": "card_01abc...",
  "merchant": "amazon.com",
  "amount": 4999,
  "approved": true
}

Use Cases

Who ships with ShipCard.

Any company that issues, manages, or earns from cards.

Co-Brand Cards

Launch a branded card program with a retail, airline, or marketplace partner — without managing a bank sponsor relationship directly.

Neobanks

Add a credit product to your deposit account without rebuilding your core. ShipCard plugs in as a module.

BNPL & Credit Lines

Offer virtual credit cards at the point of checkout. Full JIT funding, real-time authorization, and configurable limits.

Corporate Cards

Issue spend cards to employees or contractors. Configurable categories, real-time controls, and full ledger visibility.

Second-Chance Programs

Target the 60%+ of applicants your legacy issuer declines. Re-score, re-underwrite, and recover the lost revenue.

Embedded Finance

Embed card issuance inside any product — marketplace, SaaS, or vertical app. Cards become a feature, not a project.

Architecture

The stack that makes banks interchangeable.

The Universal Ledger is the moat. Leaving ShipCard means rebuilding the abstraction layer that sits between your product and every issuer, every transaction, every card.

Your Product

Web · Mobile · API

ShipCard API

Orchestration · Routing · Config

Universal Ledger

Cards · Balances · Transactions

Card Issuing Network

4 issuers · plug-and-play switching

Multi-issuer routing

Built for compliance

API-first