Product
Card issuing in seconds.
Virtual or physical.
Under your brand.
White-labelled Mastercard debit cards for your customers — provisioned to Apple Pay and Google Pay, and controlled in real time from one platform.
Book a callOur licensed EMI partners provide the regulated foundation — accounts, IBANs and cards. Payscape turns that foundation into a finished proposition: the workflow, controls, reconciliation and evidence, all built in.
Cards turn a payment account into something your customers use every day. Payscape lets you offer virtual cards instantly and physical cards on demand — each one white-labelled, funded in real time from the holder's payment account, and managed end to end.
The full card capability — issuance, spend controls, mobile wallets and secure card data — runs on Control Cloud, with onboarding, compliance and reporting built in. The cards themselves are issued by our licensed EMI partners on the Mastercard scheme.
Card issuance
Virtual instantly. Physical on demand.
Create a card with a single API call or from the portal — a tokenised virtual card is live immediately, and physical cards are personalised and dispatched by our production partners.
Instant virtual cards — tokenised and ready to spend the moment they're issued, no waiting
Physical cards on demand — personalised, branded and dispatched by our production partners
One programme across markets — issue under a single programme agreement via our licensed EMI partners
Funded in real time — every authorisation draws on the holder's payment account balance instantly
Cards — Live
Jane Cooper
•••• 4821
ActiveAcme Operations
•••• 7702
ActiveContractor — M. Diaz
•••• 5530
Frozen3 cards · 2 virtual · 1 physical
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Expense & contractor cards
Pre-funded spend for teams and contractors.
Issue cards against a corporate account, fund them instantly, and set the rules per card — then freeze or close them the moment someone offboards.
Issue in bulk — create cards for employees, contractors or departments in one action
Funded from the corporate account — top up or sweep balances per card in real time
Per-card budgets — set daily, monthly or total spend limits for each holder
Instant offboarding — freeze or close a card immediately, with the balance returned automatically
Team cards
Design — A. Cole
32% of monthly budget used
Sales — R. Patel
40% of monthly budget used
Contractor — L. Byrne
0% of monthly budget used
3 cards · budgets enforced in real time
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Card controls
Limits, freeze, single-use, replace — in real time.
Every control is available instantly via API or from the portal, so spend stays inside the rules you set without a support ticket or a scheme delay.
Spend limits — per-transaction, daily and monthly caps applied instantly
Merchant controls — allow or block by merchant category for each card
Freeze and unfreeze — stop and resume a card in real time, no reissue needed
Single-use and replace — issue one-off virtual cards, and replace lost or stolen cards with the token re-provisioned automatically
Card
•••• 4821 — Jane Cooper
Per-transaction limit
€500
Daily limit
€1,500
Categories
Freeze card
Changes apply instantly
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Mobile wallets
Apple Pay and Google Pay, straight from your app.
Push a card into the device wallet directly from your own app using in-app provisioning — no manual card entry, no separate scheme enrolment for the user.
Push provisioning — add a card to Apple Pay or Google Pay from inside your app in one tap
No manual entry — the card details never have to be typed by the user
Tokenised by the scheme — the device stores a network token, not the card number
Ready on issue — cards can be provisioned to the wallet the moment they're created
Push to device wallet
Debit card
Jane Cooper
•••• •••• •••• 4821
Provisioned · token active · device: iPhone
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Push provisioning
Every card ready for Apple Pay and Google Pay in seconds.
Once a card is created, the cardholder can add it directly to their mobile wallet — no manual card entry, no separate app. Faster activation, fewer errors, and a smoother path from card creation to first transaction.
Instant wallet activation — cards ready to use as soon as they are provisioned
No manual card entry — cardholders do not need to type long card numbers or expiry dates
Tokenised by design — sensitive card data replaced with secure wallet tokens at the scheme level
Card replacement support — rapid re-tokenisation keeps customers paying when a card is replaced
Faster first transaction — reduce the time from card creation to first payment
Provisioning flow
Complete ✓Card created
Virtual card tokenised and live
Add to wallet
Cardholder taps once in your app
Token provisioned
Network token issued by the scheme
Ready to pay
Card available in wallet immediately
Token status
Active · device wallet · iPhone
Sensitive card data never exposed · network token replaces the PAN
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Secure card data
Show card details securely — without taking on PCI scope.
Reveal PAN, CVV and let cardholders set a PIN through tokenised, PCI-compliant components, so sensitive data never touches your servers and your app stays out of PCI scope.
Tokenised reveal — display PAN and CVV through a secure, hosted component
PIN set and view — cardholders manage their PIN through the same secure channel
Designed to keep your app out of PCI scope — card data is tokenised and held by the platform and our partners
Your integration is the component, not the card data — designed to keep your app out of PCI scope
Card details
Debit card
•••• •••• •••• 4821
Jane Cooper
CVV
•••
PCI DSS · data tokenised · app out of scope
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Issue in seconds
Virtual cards are live instantly and physical cards dispatch on demand, all under your brand.
Control in real time
Limits, freezes, categories and replacements apply the moment you set them — no scheme delay.
PCI handled for you
Card data is tokenised and held by the platform and our partners — designed to keep your app out of PCI scope.
Compliance & evidence
Every card capability runs under governed, audit-ready controls.
Payscape operates Control Cloud — our own governed compliance environment. We author, version-control, test and deploy every compliance rule ourselves; the configuration is never outsourced. Every account event, IBAN assignment, transfer and transaction is recorded with its compliance context — screening status, monitoring outcome and the version of the rule Payscape applied — so you can show your working to a regulator, auditor or investor at any point.
Payscape version-controls every rule — every change reviewed, approved and deployed by us
Audit trail per event — not just the transaction but the compliance decision
Safeguarding reconciled daily — client funds matched and confirmed automatically
Reporting out of the box — pre-built statements and extracts in standard formats
Customer monitoring
LiveCustomer
Screening
Risk
Acme Ltd
Clear
Jane Cooper
Clear
Sample Property Co
Review
Example Trading Ltd
Clear
Last refreshed: just now
4 customers · 1 under review
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Access
Two ways to work with Payscape.
Build on the APIs
Embed accounts, IBANs and payments directly into your own product. REST APIs, full sandbox, webhooks for every event — your users stay in your interface throughout.
Read the developer docsOperate from the portal
Run the whole programme from the Control Cloud portal — open accounts, send onboarding links, approve transfers and see consolidated balances across your entire book. No code required.
Request a demoFAQ
Common questions.
A virtual card is tokenised and ready to spend the moment it's created via the API or portal. Physical cards are personalised and dispatched by our production partners, typically within a few business days.
Cards are issued by our licensed EMI partners on the Mastercard scheme. Payscape provides the technology, programme management and the white-label experience your customers see.
No. Sensitive card data is tokenised and handled by the platform and partners through secure, PCI-compliant components, so your application stays out of scope.
Yes. Cards can be pushed to the device wallet directly from your app using in-app provisioning, with no separate scheme enrolment for the user.
Open a new revenue line,
built for your industry.
Talk to our team. We'll help you understand what's possible, what it takes to go live, and how to structure a programme that works for your business.