Issued by licensed partner institutions
Cards that answer to you, not the other way round
Issue virtual Visa® and Mastercard® cards in under a minute, ship physical cards worldwide, and fund them from any currency balance. Every limit, freeze and merchant rule is enforced the instant a transaction is authorised.
- Virtual cards in under a minute
- Physical cards shipped worldwide
- One-tap freeze, anytime
Virtual · Multi-currency4021 •••• •••• 7735
CARDHOLDER NAME
VALID THRU 09/29
How it works
From zero to spending in three steps
No paperwork beyond your one-time identity verification. Pick a card, fund it, and it is live on the network.
- 01
Choose your card
Virtual for instant online use, or physical for in-store and ATM. Pick the network, the currency and one of six card face themes.
- 02
Fund from any balance
Top up from any currency you hold. Cross-currency top-ups show a locked FX quote and a full fee preview before you confirm.
- 03
Spend with guard-rails on
Set daily, monthly and per-transaction limits before the first payment. Adjust them, or freeze the card, whenever you like.
Virtual & physical
Two form factors, one set of controls
Every card — virtual or physical — shares the same limits engine, the same funding flow and the same step-up security.
Virtual
Live in under a minute
- Issued instantly after checkout — no shipping, no waiting
- Six card face themes: arctic, violet, emerald, midnight, berry and noir
- Built for online checkout, subscriptions and advertising accounts
- Freeze or close a card the moment a merchant misbehaves
Physical
Shipped worldwide, tracked door to door
- Delivered worldwide with shipment tracking in your dashboard
- Activate in-app the moment it arrives — usable online straight away
- View and reset your PIN in-app, protected by step-up verification
- In-store and ATM use with its own daily ATM withdrawal cap
Multi-currency funding
Fund in one currency, spend in another
Your cards draw on the balances you already hold. Cross-currency moves are priced before you commit, never after.
Top up from any balance
Move money onto a card from any currency account you hold. Same-currency top-ups settle instantly; cross-currency top-ups convert at a rate you approve first.
- Fund a USD card from EUR, SGD, HKD or any balance you hold
- Balance reflects on the card the moment the top-up completes
A locked quote, an itemised fee
Every cross-currency top-up shows the exchange rate and each fee line before you confirm — and the quote is locked while you decide. What you see is what settles.
- FX quote held firm for the review window
- Full fee preview, line by line, before you commit
Nothing stranded on a card
Card balances are not a one-way street. Withdraw unused funds back to your account balance at any time — useful when a campaign ends or a card is retired.
- Withdraw to your balance anytime, in a few taps
- Empty a card fully before closing it
Spending controls
Rules enforced at authorisation time
Controls are not after-the-fact alerts. They are checked while the transaction is still on the wire — if a payment breaks your rules, it is declined at the terminal.
Spending limits
Daily, monthly and per-transaction caps, set per card and adjustable at any time.
Daily ATM cap
A separate daily ceiling on cash withdrawals for physical cards.
One-tap freeze
Freeze a card instantly and unfreeze it just as fast — no support ticket required.
3-D Secure toggle
Turn 3-D Secure on or off per card to match how and where the card is used.
Merchant-category rules
Allow or block whole categories — groceries, fuel, restaurants, hotels, airlines, advertising and more.
Merchant-level controls
Go finer than categories with rules that target individual merchants.
Card security
Sensitive details stay sealed until you prove it's you
Card numbers are credentials, and we treat them that way. Every reveal, every code and every PIN change sits behind verification.
Step-up before reveal
PAN and CVV are only displayed after a fresh passkey, authenticator or email challenge — never by default.
Codes go to the cardholder
3-D Secure challenges and one-time passcodes are delivered straight to the cardholder's own email, not to a shared inbox.
PIN managed in-app
View or reset a physical card's PIN from the app, behind the same step-up verification — no branch visit, no posted PIN mailer.
Teams & cardholders
A card for every person who spends
Issue cards to multiple cardholders — teammates, departments, contractors — each verified under their own identity, each with their own limits.
- Every cardholder completes their own identity verification
- Per-card limits and merchant rules, tuned to each person's role
- All cards and transactions in one dashboard, in real time
Where cards earn their keep
One card programme, every kind of spend
Online shopping
A dedicated card per marketplace keeps disputes clean and exposure contained.
Advertising spend
Separate cards for Google and Meta accounts, with monthly caps that match your budgets.
SaaS subscriptions
One card per vendor makes renewals visible and cancellations painless.
Travel bookings
Book flights and hotels in the merchant's currency from a card funded at a rate you approved.
Team expenses
Give each teammate a card with sensible limits instead of sharing one number around.
Ready to move money without borders?
Open your ECardPay account in minutes. Verify once, then issue cards, open currency accounts and send payouts worldwide.