Skip to main content
The PointZero Card Program API lets you issue Visa and Mastercard cards directly from your product, set spending rules per card and follow every transaction in real time. Everything is exposed through a single REST API with predictable JSON requests and responses. Issue. Control. Monitor. All through one API.
Your first request

Quickstart

Create a customer and issue your first virtual card in the sandbox.

API reference

Every endpoint with parameters, response objects and a request playground.

Card lifecycle

Statuses, freezing, termination and replacement.

Controls

Limits, merchant categories, countries and channels.

​
How it works

1

Pick a program

A program defines the network, BIN, currencies and card types available to you. PointZero sets it up during onboarding.
2

Create a customer

Customers are the individuals or businesses that hold cards. Store your own user ID in external_id.
3

Issue cards

Virtual cards are ready to use right away. Physical cards stay pending until they are produced and delivered.
4

Control and monitor spending

Set limits and merchant rules per card, then read authorizations, refunds and settlements from the transactions endpoint.

​
What you can build

  • Corporate and expense cards with per-employee limits
  • Consumer debit and prepaid cards
  • Single-purpose virtual cards for online payments and subscriptions
  • Physical cards with PIN, contactless and Apple Pay / Google Pay

​
Core objects

​
Environments

See Authentication and Environments for details. Questions about your program or production access? Write to hi@pointzero.io.