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HeyQO LLC - Plateforme d'émission de cartes virtuelles — API Visa et Mastercard Top

Virtual card issuing platform

Plateforme d'émission de cartes virtuelles — API Visa et Mastercard

A complete virtual card issuing platform for fintechs, marketplaces and SaaS products. Issue Visa and Mastercard under your brand with one REST API — plus customer KYC, card funding, spend controls and USD virtual accounts.

Lancez votre programme cartes — Sandbox HeyQo Voir la doc API HeyQo Business

Teams searching for a virtual card issuing platform usually need more than a single endpoint. They need customer onboarding, Visa and Mastercard issuance, balances, freeze controls, and webhooks that keep their ledger in sync. HeyQo Business packages that stack behind one partner API.

You integrate only with HeyQo. Create a customer, issue a virtual Visa or Mastercard, fund the card, and display last4 in your app. Full PAN and CVV stay in a PCI iframe — they are never returned in JSON.

The same platform also provisions USD virtual accounts so your users can receive international payments, then spend on cards. Start in sandbox with merchant API keys, then go live with dedicated technical onboarding.

HeyQo is built for partners in the Caribbean, Americas and Africa as well as global fintechs — not only US/EU enterprise programs with long sales cycles.

What HeyQo provides

  • Visa & Mastercard virtual cards from one API
  • Customer KYC and onboarding fields
  • Fund, withdraw, freeze and unfreeze
  • PCI iframe for secure card display (no PAN/CVV in API JSON)
  • USD virtual accounts with credit webhooks
  • HMAC-SHA256 signed events
  • Sandbox and production environments
  • White-label experience for your end-users

Comment fonctionne la plateforme d'émission

  1. Create a customer. Send KYC fields via POST /customers. Each card and USD account is tied to that customer record.
  2. Issue a virtual card. POST /cards with brand visa or mastercard. Receive last4, status and balance — never PAN or CVV in JSON.
  3. Fund and control spend. Deposit, withdraw, freeze or terminate. Webhooks notify your backend on authorizations and status changes.
  4. Show the card securely. POST /cards/{id}/secure-view returns a short-lived iframe URL for PCI-safe card details in your UI.

Frequently asked questions

What is a virtual card issuing platform?

It is software infrastructure that lets companies issue digital Visa or Mastercard cards to their users via API, without building their own bank or processor relationships from scratch.

Does the HeyQo platform support Visa and Mastercard?

Yes. Specify the network at card creation. You can mix Visa and Mastercard across customers or products on the same integration.

Is HeyQo a bank?

No. HeyQo is a financial technology company. Card and account services are provided through licensed partner institutions.

How do I start in sandbox?

Create a merchant account, generate sandbox API keys, request a token from POST /business/sandbox/v1/authentication/token, then create customers and cards.

Are card numbers returned in the API?

No. Partner JSON only includes last4 and a masked PAN. Full secrets are shown only inside a time-limited secure iframe.

Related solutions

Virtual Card API — Issue Visa & Mastercard Programmatically Visa Card Issuing API — White-Label Virtual Visa Cards Mastercard Issuing API — Virtual Mastercard Programs USD Virtual Account API — Receive International Payments Toutes les solutions

Ready to integrate?

Get sandbox API keys from the HeyQo merchant portal and start building with our REST API.

Lancez votre programme cartes — Sandbox HeyQo

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Divulgation réglementaire

HeyQo est une plateforme de technologie financière qui collabore avec des institutions financières réglementées, des prestataires de services de paiement agréés, des émetteurs de cartes et des partenaires technologiques. HeyQo n’est pas une banque ni un prestataire de services de paiement agréé, sauf mention expresse pour un produit et une juridiction donnés. Certains services financiers disponibles via HeyQo sont fournis par des institutions tierces réglementées. L’institution responsable de chaque service est identifiée dans la documentation et les conditions produit applicables.

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