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Card Issuing

The bank, processor, and capital

One integration for BIN sponsorship, issuer processing, and funding — every credit, debit, prepaid and stablecoin-backed program on Visa and Mastercard.

Read the blog post Documentation

One stack, no middleware

Launching a card program used to mean stitching together at least three partners — an issuing bank, a source of capital, and an issuer processor — and owning the risk and gaps in between. With Column, you have a single partner, and those gaps disappear.

We built our issuer processor from scratch with direct connections to Visa and Mastercard, running on the same banking core we use to move trillions of dollars every year. The bank, the processor, and the capital — one system, and a card program in three API calls.

Column
Chartered bank
Capital
Issuer processor

Credit line → card account → card

# 1. Originate a revolving credit line
curl -X POST 'https://api.column.com/loans' \
    -u :$API_KEY \
    -d entity_id=enti_25n5phSY8StZxU4C2Y7gAREGUdB \
    -d is_revolving=true \
    -d currency=USD \
    -d max_principal_balance=1000000

# 2. Bind the credit line to a card account
curl -X POST 'https://api.column.com/issuing/card-accounts' \
    -u :$API_KEY \
    -d card_program_id=cpgm_2x8gszy5folpA9s0TOCseE9ABDM \
    -d loan_id=loan_2zElEouBhi6bHB5IdAjq1Ot8SeP

# 3. Issue the card
curl -X POST 'https://api.column.com/issuing/cards' \
    -u :$API_KEY \
    -d card_account_id=cacc_2zElEqQmMHmRxKwXvG1wYtZbLSr \
    -d authorized_user_entity_id=enti_25n5phSY8StZxU4C2Y7gAREGUdB \
    -d type=virtual

Time to market measured in weeks, not months — fewer points of coordination, fewer points of failure.

You can still — and will always be able to — bring your own processor and capital provider.

Every program type, every form factor

Credit, debit, charge, fleet, purchasing, prepaid, stablecoin-backed — every program type, consumer or corporate. We're integrated with the largest card manufacturers, so a single API call prints and mails plastic, metal, or something more exotic. Tap, swipe, insert — mix and match.

Your card should reflect your brand, not ours. Customize the design and the experience end to end — and if you have a manufacturer you love, bring them. Every transaction still returns location, merchant, and enriched data through the API.

Program types
Credit
Debit
Prepaid
Form factors
Plastic
Metal
Exotic

Physical cards printed and mailed with a single API call — in your customer's hands in a day or two.

Bring your own card manufacturer and keep the full data feed for every transaction.

You make the call on
every authorization

On every transaction, the processor sends you a webhook asking whether to approve or decline — with merchant details, verification methods, and fraud scores included. Approve, decline, or challenge in real time — or set advanced authorization policies and limits and let Column enforce them.

The same control extends to mobile wallets: when a user adds a card to their phone, you decide whether it provisions seamlessly or gets challenged. And every wallet token is an object you own — freeze, de-provision, or change its status remotely when a customer loses their phone.

The card object

{
  "id": "card_2x8gszy5folpA9s0TOCseE9ABDM",
  "card_account_id": "cacc_2zElEqQmMHmRxKwXvG1wYtZbLSr",
  "card_program_id": "cpgm_2x8gszy5folpA9s0TOCseE9ABDM",
  "authorized_user_entity_id": "enti_25n5phSY8StZxU4C2Y7gAREGUdB",
  "platform_id": "plat_23YquNWOPEukXhTbA1gZ6KBXMOI",
  "status": "active",
  "type": "virtual",
  "bin": "41234567",
  "last_four_digits": "4471",
  "sequence_number": 1,
  "created_at": "2026-09-15T20:00:00Z",
  "expiration_month": 9,
  "expiration_year": 2030,
  "last_active_at": null,
  "last_paused_at": "2026-09-15T20:00:00Z",
  "last_inactive_at": null,
  "inactive_reason": null,
  "replacement_reason": null,
  "replacement_card_id": null,
  "original_card_id": null,
  "first_activated_at": null,
  "deactivated_at": null,
  "deactivation_reason": null
}

Issue, freeze, and deactivate through the same object — status is yours to control.

Column card

Everything a card
program needs

Because we built the processor on our own vertical banking infrastructure, every Column rail and product connects directly to your card program. Accounts, money movement, lending, cards — first-class products on one platform.

3DS, Level 3 data, disputes

Advanced functionality out of the box — dispute management, tokenization, and spend controls.

Every mobile wallet

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay — with full control over provisioning.

Physical cards in one call

Direct integrations with the largest card manufacturers — printed, mailed, and in your customer’s hands in a day or two.

Stablecoin settlement & global issuing

Settle with Visa and Mastercard in USDC, back cards with stablecoins, and issue directly in overseas markets.

We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers’ growth.
Henrique DubugrasCo-Founder and Co-CEO, Brex

Infrastructure products built for
developers in the lightest format possible

ACH

Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.

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Wire

Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.

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Book Transfers

When you own both accounts at Column, transfers are real-time every second of the day.

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Ledger

Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.

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Bank Accounts

Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.

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Card Programs

Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.

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Checks

Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.

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Realtime

New real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.

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International Wires

Direct access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.

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Stablecoins

Send, receive, and hold stablecoins just like any other payment rail. Fully interoperable with the dollar and every US payment rail — instant, 24/7.

Learn more

Card Issuing

Launch credit and debit programs on Visa and Mastercard with Column as the issuing bank, the issuer processor, and the capital. No third parties, no middleware.

Learn more

Global Banking

Issue US accounts and cards to people and businesses anywhere in the world — regardless of citizenship or location.

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Multicurrency

Receive, hold, and send euros, pounds, Canadian dollars, and more. Instant FX and local payment rails — on the same Column APIs you already use.

Learn more

Lending products for companies to scale lending programs faster and cheaper

Loan Origination

Build a modern national lending program in partnership with Column.

Learn more

Debt Financing

Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.

Learn more

Loan Purchase

Programmatically sell the loans you originate to Column.

Learn more

Start building today

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