Issue virtual Visa cards from your own code.
Issue virtual Visa cards, set spend rules, fund them from a wallet, and react to events, all from your own app, platform, or workflow. The card layer is ready, so you ship instead of building it from scratch.
POST /v1/cards{ "cardholder": "Dana Whitfield", "limit": 2500.00, "interval": "monthly", "merchant_lock": "AWS", "webhook": true}- The hard way
Building a card program from scratch is months of work.
Issuing real Visa cards usually means standing up bank partnerships, processing, ledgers, and compliance before you write a line of product code.
- Banking and processing. Sourcing a sponsor bank and a processor takes months of contracts and reviews.
- Controls and ledgers. Spend rules, funding, and reconciliation all have to be built and kept correct.
- Compliance overhead. Card-data handling and security standards sit on your team from day one.
- With our API
Issue a controlled card in one API call.
Send one request and get back a live virtual Visa card, funded from your wallet, with the limits and rules you set. Card issuing, processing, and settlement run on Zil Money's licensed banking partners.
- One endpoint to issue. Create a card with a name, a limit, and rules in a single POST.
- Built-in controls. Cap the amount, lock the merchant or category, and freeze or cancel any card.
- Events, not polling. Signed webhooks tell your systems the moment a card or transaction changes.
From zero to issuing cards in four steps.
Sandbox first, production when you are ready.
01
Create an account and fund a wallet.
Open a Virtual Card Maker account and add funds to your Zil Money wallet by ACH or wire.
02
Get your API token.
Turn on API access and generate a token for the sandbox, then for production when you are ready.
03
Issue your first card.
Send a POST /v1/cards request with a cardholder name, spend limit, and any rules.
04
Subscribe to webhooks.
Register an HTTPS endpoint and react to card and transaction events as they happen.
One API across the whole card lifecycle.
Run programs across multiple entities and wallets from one integration.
Issue & control
Create virtual Visa cards on demand, set per-card limits, lock a merchant or category, and freeze or cancel from your own app.
Automate payouts
Pay out sellers, contributors, contractors, and vendors with cards you issue, fund, and control programmatically.
Embed in your product
Give your users their own controlled cards inside your SaaS, and sync every transaction into your dashboards.
The core of the card API.
| Method | Endpoint | What it does |
|---|---|---|
| POST | /v1/cards | Issue a new virtual Visa card funded from your wallet. |
| GET | /v1/cards/{id} | Retrieve a card and its spend in the current interval. |
| PATCH | /v1/cards/{id} | Update limits and rules, or freeze and cancel a card. |
| GET | /v1/cards/{id}/transactions | List authorizations and settled transactions. |
| POST | /v1/webhooks | Register an endpoint for signed card and transaction events. |
Full request and response details live in the API documentation.
Start in your language.
Skip the boilerplate with an official SDK, or call the REST endpoints directly with cURL.
- PHP
Drop the SDK into your Laravel or vanilla PHP backend and issue cards in a few lines.
- Python
Install the package and wire card issuing into your scripts, services, or data pipelines.
- Node.js
Use the SDK in your Node or serverless functions to create and control cards on the fly.
API questions, answered.
Yes. Virtual Card Maker offers a REST API to issue virtual Visa cards, set spend rules, fund cards from a wallet, pull transactions, and receive webhook events. You can see every endpoint in the API reference.
VirtualCardMaker.com, powered by Zil Money, is a financial technology company, not a bank. Banking and money movement services are provided through partner financial institutions and licensed service providers. FDIC insurance coverage applies only to eligible deposit products and accounts, and is subject to applicable terms, conditions, limitations, and requirements. Additional information regarding partner institutions, products, and services is available in the applicable terms and agreements.
Ship the card layer this week.
One POST issues a live virtual Visa card with its own limit, its own rules, and its own off switch.