Choose an issuing solution

Before creating cards, choose the right card product for your business scenario so funding, card creation, and card management run smoothly.

Selection approach

The key to product selection is matching the business scenario, payment region, card network acceptance, and fund management model to the right card product. Consider the following dimensions:

Whether the main payment scenario is advertising, ecommerce procurement, or general business expenses
Whether the primary card usage platform is U.S.-focused or international and cross-border
Whether merchant coverage or cross-border transaction compatibility matters more
Whether mobile wallet capability is required. Support for Apple Pay and Google Pay varies by card product. If this capability is needed, confirm product availability with your commercial contact or the ONERWAY support team during selection.

Choose by business need

Different business needs map to different product directions. Use the following table for an initial assessment.

Business need	Suggested direction
Mainly for U.S. platform advertising or U.S. ecommerce procurement	Prioritize U.S. issuing products
Mainly for cross-border online payments or international platform spending	Prioritize international virtual card products
Need to split budgets by project, team, or channel	Create separate virtual cards for different purposes and configure them separately
Need fast card creation for immediate online payment use	Use a virtual card solution

Choose by product line

Current product directions include:

Product direction	Best suited for
U.S. Mastercard virtual card	U.S. local platform spending, advertising, and general procurement
U.S. Visa virtual card	U.S. local platform spending, advertising, and general procurement
International virtual card	Cross-border general spending and international online payments
U.K. / European Visa virtual cards (coming soon)	U.K. and European local platform spending

To confirm issuing regions, card usage scope, and settlement currencies first, see Supported regions and currencies.

Selection considerations

In addition to the business scenario, review these differences:

Dimension	Description
Card network	Current products include Visa and Mastercard. Merchant acceptance may vary.
Issuing region	Current products mainly include U.S. and Singapore product lines. U.K. and European product lines are coming soon.
Settlement currency	Current live products settle in USD. Upcoming product lines are expected to support corresponding local settlement currencies.
Fee structure	Different products may vary by online card fees, authorization fees, cross-border fees, and other fee items.

Recommended approach

If the product direction is not yet clear, use the following sequence:

Start by splitting product needs by primary business scenario
Then determine whether a U.S. product or international product better matches the target platforms
If budget management needs to be granular, assign separate cards to different projects or channels
Before large-scale use, complete a small-amount test and validate the workflow

Use cases

Issuing products support advertising spend, ecommerce procurement, SaaS and AI tool subscriptions, travel booking, and other business expense scenarios.

Fund the issuing account

Learn how the issuing funding account is used, how funding works, and how to verify balances.