Launching a Card Program with Finxone: Seamless Virtual and Physical Card Solutions
In today’s digital-first world, offering a card program—whether virtual, physical, or both—adds significant value to a financial application. With Finxone, app builders can easily integrate card functionality into their applications, providing a seamless, secure, and customizable user experience without extensive development work.
Virtual Cards for Online and Digital Wallets
Finxone enables app builders to offer virtual cards directly within their applications. Virtual cards provide users with the essential card details—such as card number, expiration date, and CVV—making them perfect for online shopping. Users can also add virtual cards to mobile wallets like Google Pay and Apple Pay, enabling convenient in-store and online payments with just a tap.
With Finxone’s pre-integrated tools, virtual card issuance is quick and easy, allowing app builders to create flexible, digital-first payment options for users without complex backend setup. Whether users need a one-time-use virtual card for secure online shopping or a wallet-friendly digital card for daily expenses, Finxone’s application builder makes it simple to deploy these options.
Flexible Funding Options: Prepaid or Account-Linked Cards
Depending on the needs of the application, cards can be funded in two primary ways. Finxone allows for:
- Prepaid Card Funding: Users can pre-load funds onto their card, giving them a set spending limit.
- Account-Linked Card Funding: Cards can be linked directly to a user’s account, enabling debit-style functionality with funds pulled directly from the user’s balance.
These flexible funding options allow app builders to tailor their card offerings to their users’ needs, whether it’s a controlled prepaid card for budgeting or an account-linked card for seamless, everyday spending.
Comprehensive Physical Card Program Features
For applications that offer physical cards, Finxone includes a suite of essential card management functions out of the box. Users can manage their cards directly in the app with features like:
- Freeze Card: Temporarily disable a card for security.
- Block or Cancel Card: Permanently prevent transactions on a card.
- Report Lost or Stolen: Allow users to report issues and protect their account in case of loss or theft.
These functionalities are fully integrated, making it easy to offer a physical card experience that meets users’ expectations for control and security.
Spend Limits and Merchant Restrictions for Enhanced Control
Finxone provides tools for setting spend limits and merchant restrictions, giving users greater control over their card usage. Spend limits can be configured to help users manage budgets, while merchant-based restrictions allow for specific controls, such as blocking spending on gambling or adult websites, or restricting card usage in certain geographical regions.
These settings are especially useful for applications that prioritize financial wellness, family budgeting, or corporate expense management, giving users the power to customize their spending parameters.
Get to Market Faster with a Finxone-Enabled Card Program
With Finxone, adding a virtual or physical card program to your application is both efficient and customizable. Finxone handles the complex backend integration, security, and compliance, allowing app builders to focus on branding and user experience. By offering versatile card options, flexible funding, and advanced controls, Finxone empowers businesses to launch robust card programs that enhance user engagement and loyalty.
