Embed PhotonPay Card Directly Into Your Platform
Issue cards instantly, manage spend, and integrate effortlessly.
Trusted global network partnerships
PhotonPay is a Mastercard® issuer in Hong Kong, and an issuer of Discover® Network and Diners Club International®—ensuring worldwide acceptance.
Issue virtual and physical cards on demand
Launch virtual cards and branded physical cards on demand, with customizable design options.
Seamless online and offline spend
Support for major digital wallets, enabling seamless online and offline payments.
Programmatic issuing with API and portal flexibility
Programmatically create and manage cards at scale, with both API and intuitive portal access.
Card Programs Tailored to Every Business Model
Virtual cards
Create single-use or multi-use virtual cards to manage subscriptions, supplier payments, and ad spend with precision.
Physical cards
Issue physical cards for business travel, in-store purchases, and ATM withdrawals, compatible with digital wallets.
Branded cards
Branded cards featuring your company's logo and design, also visible in the digital wallet display.
Full Control to Match Your Business Needs
Set smarter spend rules
Define card usage by merchant type, category, currency, region, or time period, so every transaction aligns with your policy.
Instant freeze & reissue
Lock, cancel, or reissue cards instantly via API or dashboard—minimizing risk and downtime.
Multi-role management
Grant custom permissions to finance, operations, and other teams for better collaboration.
Real-time visibility
Get live notifications and transaction data for easier reconciliation and faster audits.
Enterprise-Grade Protection Built In
PCI-DSS Level 1 certified
Industry-standard certification to safeguard cardholder data and maintain secure processing.
Tokenization & encryption
Sensitive card data is encrypted and replaced with tokens, ensuring safe storage and transmission.
3D Secure authentication
Provide extra protection for online transactions, helping reduce fraud risks and minimize costly chargebacks.
AML & transaction monitoring
Automated checks and real-time monitoring to detect suspicious activity and support compliance requirements.
PhotonPay Card Use Cases
Corporate expenses
Issue cards for travel, entertainment, procurement, and everyday team spending, with real-time visibility.
Marketing & advertising
Create dedicated cards for digital ad campaigns to control budgets and reduce overspend.
Vendor payments
Pay global vendors securely in multiple currencies, avoiding reimbursement delays and FX inefficiencies.
Global payroll
Pay employees and remote staff worldwide securely and on time through PhotonPay cards and payout network.
Marketplace payouts
Enable sellers, freelancers, and creators to access earnings instantly via issued cards, with flexible spending options.
Designed For Developers, By Developers
Best-in-class developer tools
Integrate in a fraction of the time with our high-quality developer capabilities, libraries, and APIs.
Complex use cases made easy
Our comprehensive APIs can be tailored to suit your most complex requirements, all supported by our world-class technology.
Flexible deployment options
Decrease time to market with pre-built components and elements or build natively with full API integration.
