Step 1: Get in touch with us
Find out more about building a card program with Adyen by filling out this form. We’ll get in touch with you to learn about:
- Your business model.
- Which card type you intend to use (physical cards, virtual cards, or both).
- Your estimate for the number of cards that you’ll issue and the expected number of payments.
We'll help you determine whether our current platform capabilities are a good fit for your use cases.
Step 2: Design your implementation
After we identify your use cases, your Adyen contact will work with you to design your implementation. You'll need to decide on the following:
The account structure in your platform
Decide on who your account holders will be and how you want to group together balance accounts and payment instruments (cards). For more information, refer to example account structures.
The account structure determines the onboarding and verification processes, and the flow of funds.
The card type
Decide on the type of card that you want to issue: virtual cards, physical cards, or both. Virtual cards have no physical form, and can only be used online. Physical cards are cards that are printed and shipped to the cardholder.
For physical cards, we'll provide you card design and personalization guidelines. Your Adyen contact will help you set up physical cards.
How to authorise payments
Decide on how you want to approve or decline payments. You can evaluate each payment through what we call relayed authorisation, create transaction rules to automatically approve or decline payments based on conditions, or combine both.
How to add funds to balance accounts
Decide on how you want to add funds to your liable balance account. One way to do this is to wire funds. If you already have an existing integration with us aside from Adyen Issuing, reach out to your Adyen contact for additional options.
Step 3: Get an Issuing test account
Your Adyen contact will provide you with your Adyen test credentials. These include:
- API credentials for each of the following:
- Legal Entity API: You'll use this API to create and manage legal entities that contain the information required for verification checks.
- Balance Platform Configuration API: You'll use this API to create account holders, balance accounts, and cards.
- Transfers API: You'll use this API to transfer funds.
- Checkout API: You'll use this API to simulate payments in the test environment.
- Username and password to the Balance Platform Customer Area, a dashboard where you can view the resources in your platform such as account holders, their balances, and their cards.
Step 4: Build your integration
When you have your Issuing test account, start building your Adyen Issuing integration. Refer to our integration checklist.
Step 5: Apply for your live account
After you have built and tested your integration in the test environment, you're ready to go live.
Reach out to your Adyen contact to take your account live.
Step 6: Configure your live account
The setup and configuration from your test Adyen Issuing account is not replicated to your live Adyen Issuing account. You need to replicate your test account setup in the live environment.
Follow our go-live checklist to make sure your integration is ready.