Virtual Cards

Launch any card, fast

Issue a card instantly as a virtual card and queue the physical one for production, across six card products that run through one card entity and one authorization pipeline.

How it works

The full card lifecycle

Every card moves through the same tracked status model, whatever the product.

  1. Configure
  2. Issue
  3. Authorize
  4. Manage
What you get

Six card products, one platform

Instant virtual issuance

A card is issued instantly as a virtual card and queued for physical production, embossing and fulfilment.

Credit to fleet

Credit, debit, prepaid, corporate, fleet and digital wallet products share one account master.

One status model

Activation, scheduled renewal ahead of expiry, replacement and reissue are tracked the same way for every card.

Real-time authorization

The muNSwitch issuer host answers authorization requests in real time from every connected scheme.

Secure by design

HSM-grade PIN issuance and change, card blocks and status control, a hot-card list, and 3-D Secure for online authentication.

Modular platform

Fourteen operational modules, so you switch on what the programme needs.

Built on

The momentPay products behind it

Koṣa Issuing

Card issuing and payment account platform across six card products.

Explore Koṣa Issuing

muNSwitch

The switch and issuer host that answers authorization.

Explore muNSwitch

momentPay Shield

Fraud and risk decisioning on card traffic.

Explore momentPay Shield

Tell us what you want to launch

We will map Virtual cards to the products and the shortest rollout path, then scope a proof of concept.