Cards in seconds. Controls that last a lifetime.
Issue single-use or reusable virtual cards on demand, by API, by app, or by event trigger. For online spend, subscription management, expense control, instant disbursement, or any use case that needs a card without plastic, without waiting, and without a separate processor stack.
Issue, control, retire, on a real ledger.
Virtual cards have become the default mechanism for a growing range of banking use cases: disbursing funds to borrowers or beneficiaries, controlling employee expenses, enabling online-only payment capabilities without physical issuance costs, and providing single-use cards for transactions where reusable credentials create fraud exposure.
The operational difference between a virtual card programme built on Oradian and one bolted onto a core banking system is the ledger integration. On Oradian, every authorisation posts to the same real-time general ledger as every other transaction. No shadow ledger, no reconciliation lag, no end-of-day catch-up. The card balance is the account balance.
For institutions building virtual card programmes at scale, that ledger integration is the architectural decision that determines whether the programme is operationally sustainable.
Issuance, controls and accounting, one platform.
On-demand issuance by API, app or event
Single-use or reusable virtual cards issued in seconds, by API, by app, or triggered by a platform event like a loan disbursement. For lenders, the card is available to the borrower the moment the loan is approved.
Wallet provisioning at issue
Apple Pay and Google Pay provisioning built into the issuance flow. The customer adds the card to their device wallet at the moment of issue, no separate step, no manual provisioning request.
Granular spend controls
Single-use, capped, merchant-locked, time-limited, geography-bound, online-only or in-person-only, set every control at issue and adjust at any time through the API.
Ledger-native, no reconciliation lag
Every authorisation, settlement and refund posts to the same real-time general ledger as every other transaction. The card programme's accounting is always current and always auditable.
Programme flexibility without re-platforming
Launch a new virtual card product, new use case, new segment, new merchant integration, through configuration. Run multiple programmes side by side on the same underlying infrastructure.
Scheme agnostic
Visa, Mastercard and local schemes supported through Oradian's processor integrations. The platform doesn't lock you into a single scheme or a single processor relationship.
Where AI moves the needle.
Real-time fraud detection for card-not-present
AI models that analyse the relationship between the card's intended use case, merchant, amount, time and customer history identify anomalous authorisations that rule-based systems miss. Inline at authorisation time.
Dynamic limit optimisation
Static limits either constrain legitimate spend or create unnecessary exposure. AI models that adjust limits based on customer behaviour optimise conversion and credit exposure at the same time.
Spin up virtual cards in real time.
API-driven issuance, instant controls and full lifecycle on the same governed core.
Get virtual card APIs