Card issuing

Custom card issuing for your business

Create, distribute, and manage payment cards for you or your clients with the ability to customise everything from card design to spend limits.
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Multi-currency spending

Issue unlimited single or multi-currency cards, able to spend across 20 currencies.

Issue virtual or physical cards

Create physical, virtual or tokenised cards compatible with digital wallets.

Customise your card's design

Create your own custom card design or use the Equals Money brand.

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What information is required to enable card issuing?

When requesting card functionality during onboarding, you must provide information about how the cards will be used.

For example, the API requires details such as:
- The purpose of the cardsEstimated annual spend
- The number of cards required
- Whether ATM withdrawals are needed
- For business accounts, the name displayed on the card
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These details help configure the card programme during the onboarding process.

Can issued cards be added to Apple Pay or Google Pay?

Yes.
Cards issued through the platform can be added to supported digital wallets including:
- Apple Pay
- Google Pay
- Samsung Pay

A digital wallet token represents the combination of a card, a specific wallet, and a device. Instead of exposing the card’s sensitive details, a token is used to securely process payments from the wallet.

How does digital wallet tokenisation work?

Tokenisation replaces the card’s sensitive details with a unique digital token when a card is used in a mobile wallet.
This token is specific to the card, wallet, and device combination, which helps protect the original card information during payments. A single card can have multiple wallet tokens if it is added to multiple devices or wallet apps.

Can I receive real-time notifications about card activity?

Yes. The platform supports webhooks, which allow your application to receive real-time notifications about events such as card transactions or digital wallet token status changes.

This allows you to update your application interface, notify users, or trigger internal workflows when card activity occurs.

How we keep your money safe
The money in the payment accounts held with Equals Money PLC is not covered by the Financial Services Compensation Scheme (FSCS). Instead, your money is protected via a safeguarding method in accordance with the Payment Services Regulations / E-money Regulations. Your money is held in specially designated, safeguarded bank accounts with Tier 1 banks, and is kept separate from our own funds.
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Equals Money Plc (No. 05539698) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ, and is authorised by the Financial Conduct Authority (FCA No. 488396) to provide payment services. Equals Money UK Limited (No. 06268340) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ and is authorised by the Financial Conduct Authority (FCA No. 504547) to provide payment services. Equals Money International Ltd (No. 07131480) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ, and is authorised by the Financial Conduct Authority (FCA No. 900493) under the Electronic Money Regulations 2011 to conduct electronic money activities. Cards are issued by Equals Money under licence from Mastercard International Incorporated. Equals Money Europe SA (No. 0849.185.510) is incorporated under Belgian law with registered office at Avenue Louise 231, 1050 Bruxelles, and is authorised and supervised by the National Bank of Belgium as a regulated payment institution. PayrNet Limited (No. 09883437) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ and is authorised by the Financial Conduct Authority (FCA No. 900594) under the Electronic Money Regulations 2011 to issue electronic money and provide payment services. It is a wholly owned subsidiary of Embedded Finance Ltd and operates under the trading name "Railsr". Cards are issued by PayrNet under licence from Mastercard International Incorporated and Visa Europe. Funds are held in safeguarded accounts in accordance with regulatory requirements and are not protected by the Financial Services Compensation Scheme (FSCS).