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An overview of the steps from signing up for an Issuing account to going live.

Step 1: Check for eligibility

Before you can start to use Issuing, fill out a form to register your interest.

To review your application, we'll get in touch with you to discuss:

  • Your business model.
  • Which card type you intend to use (physical cards, virtual cards, or both).
  • An estimate of the number of cards that you want to issue and the expected number of payments.

We'll inform you if your business is eligible for Adyen Issuing.

Step 2: Decide on your implementation

After your application is approved, your Adyen contact will work with you to help define your use cases . You'll need to decide on the following:

  • The account structure in your balance 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 KYC and onboarding 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 give you an Issuing test account, including your Balance Platform API credentials. This will allow you to make API requests in our test environment. Your Adyen contact will also provide an online payments test account so you can simulate payments in the test environment.

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.