Cards that carry
your name on them.
Issuing and card programmes, built on the accounts you already run with us. One partner for the money coming in and the money going out.
- Virtual and physical cards
- Funded from your own account
- One report for cards and acquiring
Three ways merchants use a card programme
A card is a spending rail, not a product on its own. Start from who holds it. We shape the programme around that answer.
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Company expense cards
Cards for the people who spend on your behalf. Set a limit per card. Turn one off the moment a role changes.
- Named cardholders
- Per-card limits
- Spend visible in one ledger
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Payout and partner cards
Pay suppliers, sellers or contractors on a card instead of a bank run. Money lands where the work happened.
- Bulk card loads
- Same-currency payouts
- One reconciliation file
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Customer-facing programmes
A branded card your own customers carry. We shape the programme around your model and your risk appetite.
- Your brand on the card
- Virtual or physical
- Rules set by you
What sits behind the plastic
The card is the visible part. The useful part is what it connects to. Your cards draw on a CardPMT account. Your acquiring settles into the same place. Finance closes the month from one view.
It removes the vendor sprawl most growing merchants end up with. One contract. One named manager. One file that already knows you.
See business accounts- Card types
- Virtual cards issued on demand. Physical cards for the people who need one in a wallet.
- Controls
- Limits, merchant rules and freeze or unfreeze. Change them without reissuing the card.
- Currencies
- Cards funded from your current or e-money account, in the currencies you already hold.
- Reporting
- Every authorisation, settlement and refund in the same report as your acquiring.
- Security
- PCI DSS Level 1 processing, with card data kept out of your own systems.
From first call to first swipe
Four steps. No long discovery phase. We tell you what a programme needs before you commit to it.
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Scope the programme
We start with who holds the card and what they buy. That decides the rest.
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Fit it to your accounts
Cards draw on a current or e-money account we open alongside them.
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Set the rules
Limits, merchant categories and approval paths, agreed before a single card ships.
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Issue and review
Cards go out. Your account manager reviews spend and limits with you as you grow.
Timelines depend on your model and the checks it needs. We give you a realistic date at the start, not an optimistic one.
Questions merchants ask first
Do I need a merchant account to get cards?
No. Card issuing stands on its own. Most clients take both, because one partner means one file and one contact.
Can I issue cards to people outside my company?
Often, yes. It depends on your model and the rules that apply to it. We review that with you before you commit.
How do cards settle against my other money flows?
Card spend draws on a CardPMT account. Acquiring settles into the same place, so the month closes from one view.
What if my vertical is complex?
Tell us early. We read the business, not just the category code. Complex work is where we do our best work.
Ready to put your name on a card?
Tell us who will hold it and what they buy. We will tell you what the programme looks like and what it takes to get there.