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Regulated card issuing · Banking API

We the next generation of financial products.

Virtual cards, programmable spend controls, and the ledger primitives behind them — on the infrastructure layer regulated for the world's most demanding fintechs.

Talk to salesRead the docs
Open the sandbox

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
1API for cards, accounts, payments

Powered by

Visaprincipal member · global rails
Mastercardprincipal member · global rails
Google Pay · Apple Paytokenized device wallets
WeChat · AlipayChina super-app wallets
UnionPayglobal card network
JCBJapan · APAC card network

Compliance posture

Shipped:PCI DSS Level 1· Certified 2026

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.

Card issuing

Virtual cards with programmable controls.

  • Virtual cardsshipped in 20+ markets
  • Real-time spend controlsMCC, merchant, geo, velocity
  • Tokenization built inApple / Google Pay provisioning
PCI-scope minimized via tokenization
Explore card issuingRead the docs

Acquiring

Accept cards online and in person on one API.

  • Online + in-person acceptancecards, wallets, terminals
  • 3-D Secure 2 (SCA)frictionless auth + liability shift
  • Auth, capture, settlementreal-time, on your schedule
PCI DSS Level 1 — no PAN on your servers
Explore acquiring

Payments

UPI, PayNow, FPS, PromptPay, push-to-card on one interface.

  • Every APAC railUPI · PayNow · FPS · PromptPay
  • Push-to-card payoutsVisa Direct + UnionPay
  • Idempotent retries + webhooksat-least-once delivery
Direct rail connectivity, no intermediaries
Explore payments

Card issuing

Programmable cards, rendered as product UI.

Virtual card geometry with live-feeling controls — the same panels your engineers wire in production, not stock illustrations.

Explore card issuingRead the docs

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.

Open in sandbox
POST /api/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 },
});
—awaiting run
Run the request to stream a sandbox response

Platform

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.

Stack tier

zvxlab

Infrastructure layer

Regulated 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 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 one week. That's not a typical fintech timeline — that's zvxlab.”

Founder, Nimbus BankNimbus Bank
1 weektime to first card
Marketplace

“Our sellers stopped asking when payouts would hit. Instant push-to-card changed the conversation entirely.”

CTO, CartagoCartago
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

Live card-program reach

Europe · 21 countries · 28 BINs · 6 currencies

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
Live API consolelive
Feature comparison: legacy core, in-house built, and zvxlab
FeatureLegacy coreIn-house builtzvxlab
Time to first card12-18 months6-18 months1 week
Full sandbox environment
TypeScript-first SDKsvaries
Reliable webhook deliveryvaries
Real-time spend decisioningcustom
PCI + SOC 2 in-scopepartial
Dedicated technical support
Transparent pricing model
Time to first card
Legacy core
12-18 months
In-house built
6-18 months
zvxlab
1 week
Full sandbox environment
Legacy core
In-house built
zvxlab
TypeScript-first SDKs
Legacy core
In-house built
varies
zvxlab
Reliable webhook delivery
Legacy core
In-house built
varies
zvxlab
Real-time spend decisioning
Legacy core
In-house built
custom
zvxlab
PCI + SOC 2 in-scope
Legacy core
partial
In-house built
zvxlab
Dedicated technical support
Legacy core
In-house built
zvxlab
Transparent pricing model
Legacy core
In-house built
zvxlab

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 popular

High-volume programs with full programmability.

Talk to sales
  • Unlimited virtual 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 program
ResellersEmbed 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.

Talk to salesRead the docs