Why it matters to your programme

Speed to issuance is table stakes. What matters is what you can do with virtual cards once they are live, how they fit into your product, and how they generate revenue.

Issue virtual cards in milliseconds with sub-200ms issuance speeds
Embed card issuance directly into your app, platform, or workflow
Control every card with granular spend rules, merchant limits, and real-time visibility
Expand from virtual into physical cards and credit without changing platforms

Issuance, controls, and integration. All in one place. Issuance, controls, and integration. All in one place.

Instant Issuance

Generate virtual cards programmatically through a single API call. Thredd delivers issuance at 200ms, more than double the industry standard.
Single-Use + Multi-Use Cards

Issue disposable single-use cards for one-time transactions or reusable multi-use cards for recurring spend. Configure each type independently with its own rules, limits, and lifecycle.
Tokenisation + Digital Wallets

Provision virtual cards directly into Apple Pay, Google Pay, and Samsung Pay. Network tokenisation is handled within the platform, giving cardholders tap-to-pay from the moment of issuance.
Granular Spend Controls

Apply merchant category restrictions, transaction limits, geographic controls, and velocity rules at the individual card level. Every virtual card can carry its own policy.
Multi-Currency Support

Issue virtual cards in multiple currencies from a single programme. Support cross-border payments and international supplier transactions without separate currency-specific configurations.

The Thredd difference

Customers expect instant decisions, personalised limits, and seamless digital experiences. But most issuers still rely on fragmented systems with separate vendors for origination, servicing, processing, and collections.
Every handoff creates delays and reconciliation errors. Every integration point becomes a blind spot that limits speed and scale.

CLIENT CASE STUDY

Transforming payments

The challenge:

Reduce virtual card issuance and loading time to under one second to handle higher transaction volumes while simplifying payments across currencies.

The solution:

Combined 150 configurable APIs into a single integration. Leveraged Mastercard and Visa certifications for global processing. Enabled virtual card issuance at 200ms.

The results

Card issuance speed of 200ms (more than double the industry standard)
Expanded from three currencies to 15 products across nearly 30 currencies
Increased acceptance rates through access to multiple card providers
five-year ongoing partnership

Thredd managed to get the issue and load process down to 200 milliseconds, better than double the speed available elsewhere.

Mark Anthony Spiteri SVP, Global Head of Card Business at Nium

Whatever the programme, the platform fits

Expense Management + Corporate Cards

Issue virtual cards to employees for travel, subscriptions, and project spend with per-card limits and real-time visibility.

Embedded Finance

Power card programmes inside a partner's platform. Virtual issuance means the card appears the moment the user needs it.

Travel + OTA Platforms

Issue single-use virtual cards for supplier payments and hotel bookings, with merchant and amount restrictions matching the booking context.

B2B Procurement + Accounts Payable

Replace manual payment processes with virtual cards issued per supplier, per invoice, or per approval, each with its own spend policy.

Subscription + Recurring Payments

Issue dedicated virtual cards for subscription management, giving customers control over individual subscriptions without affecting their primary account.

Consumer Fintech

Give users instant access to a working payment instrument from the moment they sign up. No waiting for the post.

Frequently asked questions

200ms, more than double the industry standard. Cards are generated programmatically through a single API call and are ready to use immediately.
Yes. Virtual cards can be provisioned directly into Apple Pay, Google Pay, and Samsung Pay through network tokenisation handled within the platform.
Each card can carry its own spend policy: transaction limits, merchant category restrictions, geographic controls, currency rules, and velocity limits. All configured and updated in real time through the API.
Yes. Launch with virtual card issuance and add physical cards or credit as your programme evolves, without re-platforming.
Yes. Disposable single-use cards for one-time transactions and reusable multi-use cards for recurring spend, each configured independently.
Virtual card issuance across multiple currencies from a single programme instance, operating across 47 countries with Visa, Mastercard, and Discover connectivity.