Card issuing
Virtual and physical cards with programmable controls.
- Virtual + physical cardsshipped in 20+ markets
- Real-time spend controlsMCC, merchant, geo, velocity
- Tokenization built inApple / Google Pay provisioning
Regulated card issuing · Banking API
We the next generation of financial products.
Virtual and physical cards, programmable spend controls, and the ledger primitives behind them — on the infrastructure layer regulated for the world's most demanding fintechs.
zvxlab is a regulated entity. Card programs in 40+ countries.
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Trusted by financial-product teams
NorthwindfintechHelixbankCardlessfintechLumiomarketplaceAcme BankbankPayModefintechMetalBankbankSurflysaasTradewindmarketplaceBeaconfintech
Infrastructure proof
Built for the volume real fintechs run.
processed in card volume
uptime target
countries supported
API for cards, accounts, payments
Powered by
Visaprincipal member · global rails
Mastercardprincipal member · global rails
Amexissuer access · select markets
FedNowinstant USD settlement
ACH · RTPUS payment rails · 24/7
Compliance posture
SOC 2 Type II· Planned 2026PCI DSS L1· Planned 2026ISO 27001· Planned 2026GDPR· EU + UK programs
Independent audit reports available under NDA via your account team.
Platform
Three products. One integration.
Issue cards, hold balances, and move money on one regulated API — pick any subset, integrate once.
Accounts
Ledger primitives and balance APIs.
- Programmable sub-ledgersdouble-entry, audited
- Multi-currency balances30+ supported
- Holds + sweepssettlement on your schedule
Payments
ACH, wires, RTP, FedNow, push-to-card on one interface.
- Every US railACH · RTP · FedNow · Wires
- Push-to-card payoutsVisa Direct + Mastercard Send
- Idempotent retries + webhooksat-least-once delivery
Card issuing
Programmable cards, rendered as product UI.
Virtual and physical geometry with live-feeling controls — the same panels your engineers wire in production, not stock illustrations.
Developers
Issue a virtual card in one request.
Copy a snippet, hit Run, and watch the sandbox response stream in — the same ergonomics your team gets in production.
POST /v1/cards
import { Zvxlab } from "@zvxlab/sdk";
const zvx = new Zvxlab({ apiKey: process.env.ZVXLAB_KEY });
const card = await zvx.cards.create({
type: "virtual",
currency: "usd",
cardholder_id: "ch_8b2f91c0a3e5",
spend_controls: { daily_limit_cents: 250_000 },
});—
Run the request to stream a sandbox responsePlatform
A modern ledger, not a legacy core.
zvxlab sits between card networks and your product — with ledger, compliance, and webhooks built in, not bolted on.
Select a stack tier or capability to inspect the layer.
zvxlab
Infrastructure layerRegulated issuing + banking API — cards, accounts, and money movement on one ledger.
- Programmable cards
- Ledger-native balances
- Unified webhooks
Use cases
Built for the products you ship.
From neobanks to expense tools, partner teams launch faster when the infrastructure is already regulated, reliable, and wired for scale.
Launch a full card program without touching a legacy core.
- Virtual and physical cards from a single BIN sponsorship.
- Real-time spend controls and KYC/KYB built in.
- White-label branding — your name on every card.
Customer proof
Neobank
“We went from term sheet to first card transaction in under six weeks. That's not a typical fintech timeline — that's zvxlab.”
6 weekstime to first card
Marketplace
“Our sellers stopped asking when payouts would hit. Instant push-to-card changed the conversation entirely.”
2.1Mcards issued
Compliance
Regulated from day one.
Every program on zvxlab runs under the same audit framework used by top-tier payment processors — independent attestations, regulator references, and zero shortcuts.
Certifications & attestations
Global coverage
21 countries · 28 BINs · 6 currencies
United KingdomGermanyFranceNetherlandsIrelandSpainItalySwedenDenmarkNorwayFinlandBelgiumAustriaSwitzerlandLuxembourgPortugalPolandCzech RepublicEstoniaLatviaLithuania
Developers
Docs your team will actually read.
TypeScript-first SDKs, a real sandbox, and webhooks that actually arrive. Everything you need to go from API key to production card program.
cURLNodePythonGo
| Feature | Legacy core | In-house built | zvxlab |
|---|---|---|---|
| Time to first card | 12-18 months | 6-18 months | 6 weeks |
| Full sandbox environment | |||
| TypeScript-first SDKs | varies | ||
| Reliable webhook delivery | varies | ||
| Real-time spend decisioning | custom | ||
| PCI + SOC 2 in-scope | partial | ||
| Dedicated technical support | |||
| Transparent pricing model |
Pricing
The right plan for where you're building.
No lock-in, no per-seat fees, no surprises. Every plan includes the same regulated infrastructure — talk to us about what fits your program.
Startup
Launch your first card program in weeks.
Talk to sales- Up to 10,000 virtual cards
- Full sandbox environment
- TypeScript, Node, Python SDKs
- Standard webhook delivery
- Email + docs support
Scale
Most popularHigh-volume programs with full programmability.
Talk to sales- Unlimited virtual + physical cards
- Real-time spend decisioning
- Per-card MCC allow-lists + merchant locks
- Priority webhook delivery + replay
- Dedicated technical account manager
- Custom SLA options
Enterprise
Multi-program infrastructure at global scale.
Talk to sales- Multiple BIN programs
- Multi-jurisdiction compliance coverage
- Custom data residency (EU / UK)
- Private cloud deployment option
- On-site integration support
Partner program
Scale with zvxlab. Keep your margin.
Resell our infrastructure, launch programs for your clients, or bring your BIN sponsorship — with revenue share on interchange from day one.
Apply for partner programResellersEmbed zvxlab into your fintech product stack and keep your margin.
AgenciesLaunch card programs for your clients with a single integration.
BIN sponsorsCo-brand programs with our regulated BIN sponsorship network.
Build the next financial product.
Join the teams shipping card programs, neobanks, and embedded finance on zvxlab's regulated infrastructure.