Choose an issuing solution

Choose the right card product before creating cards so funding, card creation, and card management can proceed smoothly.

Selection approach

ONERWAY Issuing currently provides business virtual card products for online card binding and payments. When choosing a product, consider:

Whether the main payment scenario is advertising, ecommerce procurement, or general business expenses
Whether the main card usage platforms are U.S.-focused or international cross-border platforms
Whether merchant coverage or cross-border transaction compatibility is more important
Whether digital wallet capability is required

Different business needs require different issuing priorities. Use the following guidance for an initial decision.

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

Current product directions include:

Product direction	Better suited for
U.S. Mastercard virtual card	U.S. platform spending, advertising, and general procurement
U.S. Visa virtual card	U.S. platform spending, advertising, and general procurement
International virtual card	General cross-border spend and international online payments

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

In addition to the business scenario, consider the following differences:

Dimension	Description
Card network	Current products include Visa and Mastercard, and acceptance may vary by merchant
Issuing region	Current products mainly involve U.S. and Singapore product lines
Settlement currency	Current products settle in USD
Fee structure	Card fees, authorization fees, cross-border fees, and other fees may vary by product
Enabled capabilities	Some capabilities may be enabled in phases and depend on the account configuration

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

Split product needs by primary business scenario
Determine whether U.S. or international products fit the payment platform region
Create separate cards for projects or channels that require detailed budget management
Complete small-value tests and flow validation before large-scale use

Use cases

ONERWAY Issuing supports online payments, cross-border procurement, advertising spend, 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.