Issuing helps businesses create, manage, and use business virtual cards through an end-to-end flow covering funding, card creation, and transaction management. For product coverage and supported scenarios, see Supported regions and currencies and Use cases.
Current issuing capabilities include:
Merchants usually start using issuing capabilities in the following order:
The merchant completes account registration, submits the required information, and passes review. After approval, the platform enables the corresponding issuing capabilities for the merchant.
The merchant submits a funding request. After funds arrive, they are credited to the corresponding currency account balance and can be used for card creation, card top-ups, and spend management.
The merchant selects a card product based on the business scenario, such as the issuing region, card network, or product direction. Different products may vary by routing, fees, and supported use cases.
The merchant creates the cardholder associated with the card. The cardholder is the user or responsible party for card spending and usually needs to complete the required checks and agreement confirmation.
The merchant selects a card product, links a cardholder, sets the required card information and funding amount, and creates the virtual card.
After the card is created successfully, it can be used in the online or offline scenarios supported by the product. Some card products support adding the card to Apple Pay or Google Pay.
The merchant can view transaction records, card status, and balance changes on the platform for reconciliation and management.
Issuing supports both Dashboard operations and API integration. Merchants can choose the appropriate method based on their technical capabilities and automation needs.
| Method | Description | Suitable for |
|---|---|---|
| Dashboard | Perform visual operations through the ONERWAY Dashboard | Merchants that prefer visual operations and do not need technical integration |
| API integration | Automate the full issuing flow through APIs, covering all Dashboard capabilities | Merchants with technical resources that need system integration or automated management |
The main objects in issuing include merchant accounts, card products, cardholders, cards, and transactions.
| Object | Description |
|---|---|
| Merchant account | Account used to receive funds and manage subsequent balances |
| Card product | Defines the product line, card network, settlement currency, and applicable rules |
| Cardholder | User or responsible party associated with the card |
| Card | Virtual card used for spending and management |
| Transaction | Accounting and status record generated during spending, refunds, and related flows |