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Card Issuing

Issue multi-currency cards on a massive scale! Apart from local transaction services, they also support international payments at ultra-low rates.

Card Types​

Two distinct card types are defined in our system:

  • B2B Card: The B2B Card shares funds from your corporate account.
  • B2C Card: B2C Card creates an independent ledger for each cardholder, with funds isolated between different cards.

Authorization Controls​

  • Card Status: Controlled by adjusting the card status, and the card's availability status can be modified via the Lock/Unlock Card API.
  • Card Usage Limits: The Card Usage Limits feature allows control over the total transaction volume across different dimensions: Daily, Monthly, Lifetime, and Single Transaction.
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Card amounts are calculated based on the amount at the authorization stage. At times, the settlement amount of a transaction may differ from the authorized amount, which could result in the actual usage exceeding the limit.

3D Secure Authorization​

3-Domain Secure™ (3D Secure or 3DS) authentication provides an additional layer of security by protecting merchants against fraud when accepting card payments online. It requires shoppers to complete a verification step with the card issuer when paying, thereby shifting the liability for fraudulent card payments from merchants to the issuer in case of disputes.

We will send the 3DS OTP (One-time password) to your server via webhook, and you can freely choose multiple methods to deliver it to your cardholders.

Transaction Webhook​

When there are changes to card transactions, we will send webhooks to your server in real time, allowing you to track card transactions instantly.

Card Simulator​

During the development phase, you can use our card transaction simulator to simulate various types of transaction scenarios for verification.

  • Authorization: Create a card authorization.
  • Reversal: Reversal a authorization before settlement.
  • Refund: Create a refund transaction.
  • Settlement: Settle a authorization, the processor will be delay 15-30 minutes.

Integration Flow​

  • Get sandbox account and credential from wonder tech team. Please prepare the 3ds webhook url and transaction webhook url to wonder tech team.
  • Get test card resources from wonder tech team.
  • Implement the API signature algorithm in accordance with the guidelines. Authentication
  • Integrate the Card Management API. Cards API
  • Implement 3DS Webhook.
  • Implement Transaction Webhook. Please test on Card Simulator.
  • Integrate the Users API for B2C Card.Users API
  • Integrate the wallet API for B2C Card topup. Wallets API
  • Integrate the Balance API for balance management. Balance API

API​

Please refer to Issuing Management OpenAPI