Fund the issuing account

Issuing funding account

The issuing funding account receives merchant funds and provides the funding source for card creation, card top-ups, and transaction management. Before creating a card or adding balance to a card, merchants usually need to make sure the issuing funding account has enough available balance.

Funds in the issuing funding account are usually used to:

• Set the initial amount for a card or add available balance to a card
• Support card spending, refunds, and balance management
• Allocate budgets and consolidate funds by business scenario

Current live card products use USD as the billing and settlement currency. Future product lines are expected to support corresponding local settlement currencies. The actual account structure, funding method, and available capabilities depend on the account configuration and Dashboard display.

Initial funding scenarios

Current card products use a prepaid funding model. Card creation, top-ups, and later spending usually depend on the available balance in the issuing funding account.

Before the following scenarios, confirm that the issuing funding account has enough available balance:

• Setting an initial amount when creating a card
• Adding available balance to an existing prepaid card
• Preparing for high-value or high-frequency card spending
• Supporting multiple cards, teams, or business scenarios at the same time
• Arranging funds in advance by project, channel, or budget cycle

Funding flow

Merchants usually fund the issuing account through the following flow:

1. Obtain the funding instructions or receiving account information provided by the platform
2. Submit a funding request or complete the transfer as required
3. Wait for platform review and fund arrival
4. Verify the available balance of the issuing funding account in the Dashboard

Arrival time may be affected by bank processing, payment routes, review processes, holidays, and other factors. Follow the actual processing result.

Other funding methods

In addition to standard bank transfer funding, some merchants may be able to fund the issuing account through the following methods. Availability depends on the account configuration, enabled business capabilities, and the options shown in the Dashboard:

• Funding through a VA account: If a VA account is enabled, funds can be transferred to the VA account assigned by the platform. After the platform receives and processes the funds, they can be used for subsequent card operations.
• Internal transfer from acquiring: If acquiring services are enabled, eligible acquiring funds can be transferred internally to the issuing funding account for card creation, card top-ups, and card spending, without another external bank transfer.

When using an alternative funding method, confirm the funding account, destination account, funding currency, and available balance to avoid crediting the wrong account or currency account.

Balance verification

After funds arrive, verify the account balance before creating cards or topping up cards. Usually, check whether:

• The available balance of the issuing funding account has been updated
• The funding currency matches the settlement currency of the card product
• The funded amount is sufficient for planned card creation, top-ups, or spending
• If multiple currency accounts exist, the funds have arrived in the correct currency account

Fund management recommendations

• Confirm available account balance before creating cards or making high-value expenses
• Split budgets across business scenarios and avoid assigning too much balance to a single card at once
• Regularly reconcile account balances, card balances, and transaction records to keep fund movements traceable
• If page display, arrival time, or field names differ, follow the actual Dashboard capabilities