Issuing
Issue and manage multi-currency cards at scale, while reducing international transaction and FX fees.
Choose an issuing solution that best fits your needs
Use one or more products to build a unique solution for your use case.
Learn more on Choose your issuing solution.
Issue cards
Pay out business expenses or issue cards to individuals.
Set spending controls
Control the spending on issued cards.
Manage cards
Cancel, freeze, or retrieve sensitive details.
Our issuing network
Explore our supported regions and currencies on multi-currency cards.
Geographic coverage
Issue multi-currency Visa cards across the world.
Multi-currency support
Transact securely in 140+ currencies worldwide.
Explore related products
Integrate your issuing solution with Airwallex products to strengthen your global financial infrastructure.
Embedded Finance Use Cases
Banking as a Service
Offer a full-featured fintech solution including accounts and card issuing.
Global Treasury
Enable your platform to collect and disburse funds globally.
Platform APIs
Payouts
Programmatically make cost-effective, fast and secure global payouts.
How Roecny Issuing Works
Roecny’s Issuing platform enables businesses to create and manage multi-currency cards, allowing you to pay millions of suppliers globally within seconds. Unlike a traditional prepaid product, Roecny-issued cards don't require you to lock-in funds on the card when requesting it – the funds are sourced from your Roecny Wallet.
All Roecny-issued cards are Visa multi-currency cards that allow you to transact in over 140 currencies, with no international transaction fees. Roecny also offers direct billing in multiple currencies (see supported regions and currencies).
Key Features
- Provisioning of Visa cards through Roecny’s Global Issuing infrastructure and licensing.
- Single-use or multi-use cards issued directly to you with ease and efficiency.
- Choice between business and individual cards:
- Business cards are associated with your company.
- Individual cards are associated with a named representative of your business and can be used with digital wallets (Apple/Google Pay) as well as physical card products.
- Authorization controls to manage card usage, including real-time participation in the transaction sequence.
- RESTful APIs to manage your entire card program.
- Flexible funding options:
- Use a single funding source for all cards or
- Separate sources for each card.
- Whitelabeling capabilities to customize Roecny products to match your company’s brand and offerings.
As a Roecny Issuing customer, you don't need to worry about BIN sponsorship, card production, transaction processing, or balance management. Roecny is fully PCI compliant and handles all PCI requirements on your behalf. Depending on your requirements and certifications, Roecny will work with you to provide an end-to-end solution tailored to your needs.
Supported Regions and Currencies
This page provides information on the latest capabilities of Roecny Issuing. For any further questions regarding capabilities specific to your region and currency, please contact your Roecny Account Manager.
Currencies
Roecny-issued cards are multi-currency cards, which can be used for transactions in any currency supported by Visa, as long as you have a sufficient balance in your Roecny Wallet to cover the transaction.
Direct Billing is a feature that allows Roecny to directly debit your Roecny multi-currency Wallet in that currency without any hidden charges or conversion fees.
For example, for a GBP transaction, your GBP Wallet will be debited.
Roecny offers Direct Billing in the following currencies:
- USD
- AUD
- CAD
- SGD
- NZD
- HKD
- JPY
- EUR
- GBP
- CHF
- ILS¹
¹ Only available for cards issued to businesses based in Israel.
For transactions in all other currencies, Roecny will debit an equivalent amount from your base currency Wallet (AUD for Australia). In such cases, the conversion rate will be based on Visa’s daily exchange rate.
For example, for an AED transaction, your AUD Wallet will be debited for an equivalent amount based on Visa's rate.
Regions
Roecny has issuance capabilities in over 50+ countries worldwide. Some of the most common countries where Roecny issues cards include:
- Australia
- Canada
- European Economic Area (31 countries)
- Hong Kong SAR
- Israel
- New Zealand
- Singapore
- United States of America
- United Kingdom
Roecny is rapidly expanding its infrastructure and geographic coverage to become your one-stop solution for global operations.
If you're looking to operate in a country not listed above, please contact us. We’re eager to understand your needs and develop a tailored solution for you.
Supported Card Programs
This information is relevant only for API version
2024-03-31
and later.
Roecny's card programs provide a variety of card issuance options to meet different business needs. These programs can be used simultaneously and flexibly based on your business workflows.
Card Programs Overview
Roecny supports several card programs that determine the Bank Identification Number (BIN) and the program type of the issued card. Please contact your Roecny Account Manager for regional availability.
Program Structure
- Brand: Currently, only Visa is supported.
- Program Purpose: Choose between commercial and consumer cards based on your business use case.
- Cardholder Types:
- Delegate
- Individual
- Personalization Options:
- Personalized
- Non-personalized
- Card Forms:
- Virtual
- Physical
- Digital (e.g., Apple Pay / Google Pay)
- Program Type:
- Prepaid: Access funds from your Roecny Wallet
- Debit: Also accesses funds from Wallet, accepted like credit cards
- Credit: Loan-like products
- Deferred Debit: Specific to travel sector (e.g., OTAs in UK/EEA)
- Program Sub-Type:
- Good Funds Credit (Credit sub-type): Pre-auth funds must be available
- B2B Travel: Available across Prepaid, Debit, Credit, Deferred Debit
Commercial vs. Consumer Comparison
Feature | Commercial | Consumer |
---|---|---|
Suited for | Business expenses, software, OTA workflows | Payouts to consumers (influencers, gig workers, payroll) |
Personalized | Supported | Required |
Cardholder Types | Delegate & Individual | Individual only |
Card Form | Non-personalized: Virtual only Personalized: Virtual/Digital/Physical | Virtual/Digital/Physical only |
Name on Card | Business name (non-personalized) Individual legal name (personalized) | Individual legal name |
Fund Ownership | Business controls funds | Customer owns funds in Connected Account Wallet |
Access to Sensitive Details | Non-personalized: Direct access via API Personalized: PCI compliance or secure iframe required | PCI compliance or secure iframe required |
PIN | No (non-personalized) Supported (personalized, with PCI compliance or iframe) | Supported |
Card Management | Edit, cancel/freeze supported | Edit, cancel/freeze supported |
Card Controls | All supported | All supported |
Whitelabelling | Supported | Supported |
Personalized vs. Non-personalized
Feature | Non-personalized | Personalized |
---|---|---|
Name on Card | Business name | Legal name of individual |
Card Association | Multiple cardholders | Single cardholder (Individual) |
Sensitive Data Access | Direct API | PCI compliant or secure iframe |
Supported Features | Virtual cards, 3DS | Virtual, Digital (Apple/Google Pay), Physical, 3DS |
Card Form Comparison
Feature | Virtual | Physical | Digital |
---|---|---|---|
Description | Unique card details, used online/stored digitally | Physical card with embossed details | Stored in Apple/Google Pay for contactless use |
Non-personalized | Yes | No | No |
Personalized | Yes | Yes | Yes |
Activation | Auto-activated | Manual or API | Active cards only |