Issue virtual cards instantly at scale

Virtual cards are digital-only payment cards that can be created instantly via API and used immediately for online purchases, in-app payments, and contactless transactions through mobile wallets. Stitch's virtual card issuing platform enables banks and fintechs to generate virtual cards on demand, with full control over spending limits, merchant restrictions, and card lifecycles. Unlike physical cards, which require manufacturing and shipping, virtual cards are created in milliseconds. This makes them ideal for use cases where speed matters: corporate expense management, instant customer onboarding, subscription billing, and one-time-use payments. Stitch's virtual card software handles the full workflow from card generation through transaction processing and settlement, all through a single API integration. Use cases include corporate expense management (issue virtual cards to employees instantly with per-card spending limits and merchant category restrictions), payroll and disbursement cards (create virtual cards for payroll, contractor payments, or gig worker compensation funded in real time), subscription management (generate unique virtual card numbers for each subscription service with per-card limits), one-time-use cards (issue single-use virtual cards that automatically deactivate after one purchase), and tokenized mobile payments (instant provisioning to Apple Pay, Google Pay, and Samsung Pay for contactless payments within seconds of issuance).