Card Issuing | ColumnAnnouncing four new products.Four new products.Watch the keynote.ProductsDevelopersBlogCompanySign inGet started Contact salesCome and say hello.Create an accountStart building in sandbox.Card IssuingThe bank, processor, and capitalOne integration for BIN sponsorship, issuer processing, and funding — every credit, debit, prepaid and stablecoin-backed program on Visa and Mastercard.Read the blog post DocumentationWatch: Card issuingOne stack, no middlewareLaunching a card program used to mean stitching together at least three partners — an issuing bank, a source of capital, and an issuer processor — and owning the risk and gaps in between. With Column, you have a single partner, and those gaps disappear.We built our issuer processor from scratch with direct connections to Visa and Mastercard, running on the same banking core we use to move trillions of dollars every year. The bank, the processor, and the capital — one system, and a card program in three API calls.ColumnChartered bankCapitalIssuer processorCredit line → card account → card# 1. Originate a revolving credit line
curl -X POST 'https://api.column.com/loans' \
-u :$API_KEY \
-d entity_id=enti_25n5phSY8StZxU4C2Y7gAREGUdB \
-d is_revolving=true \
-d currency=USD \
-d max_principal_balance=1000000

# 2. Bind the credit line to a card account
curl -X POST 'https://api.column.com/issuing/card-accounts' \
-u :$API_KEY \
-d card_program_id=cpgm_2x8gszy5folpA9s0TOCseE9ABDM \
-d loan_id=loan_2zElEouBhi6bHB5IdAjq1Ot8SeP

# 3. Issue the card
curl -X POST 'https://api.column.com/issuing/cards' \
-u :$API_KEY \
-d card_account_id=cacc_2zElEqQmMHmRxKwXvG1wYtZbLSr \
-d authorized_user_entity_id=enti_25n5phSY8StZxU4C2Y7gAREGUdB \
-d type=virtualTime to market measured in weeks, not months — fewer points of coordination, fewer points of failure.You can still — and will always be able to — bring your own processor and capital provider.Every program type, every form factorCredit, debit, charge, fleet, purchasing, prepaid, stablecoin-backed — every program type, consumer or corporate. We're integrated with the largest card manufacturers, so a single API call prints and mails plastic, metal, or something more exotic. Tap, swipe, insert — mix and match.Your card should reflect your brand, not ours. Customize the design and the experience end to end — and if you have a manufacturer you love, bring them. Every transaction still returns location, merchant, and enriched data through the API.Program typesCreditDebitPrepaidForm factorsPlasticMetalExoticPhysical cards printed and mailed with a single API call — in your customer's hands in a day or two.Bring your own card manufacturer and keep the full data feed for every transaction.You make the call on every authorizationOn every transaction, the processor sends you a webhook asking whether to approve or decline — with merchant details, verification methods, and fraud scores included. Approve, decline, or challenge in real time — or set advanced authorization policies and limits and let Column enforce them.The same control extends to mobile wallets: when a user adds a card to their phone, you decide whether it provisions seamlessly or gets challenged. And every wallet token is an object you own — freeze, de-provision, or change its status remotely when a customer loses their phone.The card object{
"id": "card_2x8gszy5folpA9s0TOCseE9ABDM",
"card_account_id": "cacc_2zElEqQmMHmRxKwXvG1wYtZbLSr",
"card_program_id": "cpgm_2x8gszy5folpA9s0TOCseE9ABDM",
"authorized_user_entity_id": "enti_25n5phSY8StZxU4C2Y7gAREGUdB",
"platform_id": "plat_23YquNWOPEukXhTbA1gZ6KBXMOI",
"status": "active",
"type": "virtual",
"bin": "41234567",
"last_four_digits": "4471",
"sequence_number": 1,
"created_at": "2026-09-15T20:00:00Z",
"expiration_month": 9,
"expiration_year": 2030,
"last_active_at": null,
"last_paused_at": "2026-09-15T20:00:00Z",
"last_inactive_at": null,
"inactive_reason": null,
"replacement_reason": null,
"replacement_card_id": null,
"original_card_id": null,
"first_activated_at": null,
"deactivated_at": null,
"deactivation_reason": null
}Issue, freeze, and deactivate through the same object — status is yours to control.Everything a card program needsBecause we built the processor on our own vertical banking infrastructure, every Column rail and product connects directly to your card program. Accounts, money movement, lending, cards — first-class products on one platform.3DS, Level 3 data, disputesAdvanced functionality out of the box — dispute management, tokenization, and spend controls.Every mobile walletApple Pay, Google Pay, Samsung Pay, and Garmin Pay — with full control over provisioning.Physical cards in one callDirect integrations with the largest card manufacturers — printed, mailed, and in your customer’s hands in a day or two.Stablecoin settlement & global issuingSettle with Visa and Mastercard in USDC, back cards with stablecoins, and issue directly in overseas markets.We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers’ growth.Henrique DubugrasCo-Founder and Co-CEO, BrexInfrastructure products built for developers in the lightest format possibleACHOriginate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.Learn moreWireTransfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.Learn moreBook TransfersWhen you own both accounts at Column, transfers are real-time every second of the day.Learn moreLedgerLedger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.Learn moreBank AccountsSpin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.Learn moreCard ProgramsBuild a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.Learn moreChecksTake full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.Learn moreRealtimeNew real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.Learn moreInternational WiresDirect access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.Learn moreStablecoinsSend, receive, and hold stablecoins just like any other payment rail. Fully interoperable with the dollar and every US payment rail — instant, 24/7.Learn moreCard IssuingLaunch credit and debit programs on Visa and Mastercard with Column as the issuing bank, the issuer processor, and the capital. No third parties, no middleware.Learn moreGlobal BankingIssue US accounts and cards to people and businesses anywhere in the world — regardless of citizenship or location.Learn moreMulticurrencyReceive, hold, and send euros, pounds, Canadian dollars, and more. Instant FX and local payment rails — on the same Column APIs you already use.Learn moreLending products for companies to scale lending programs faster and cheaperLoan OriginationBuild a modern national lending program in partnership with Column.Learn moreDebt FinancingGrow your lending program more efficiently with Column capital, whether you are at scale or on your way.Learn moreLoan PurchaseProgrammatically sell the loans you originate to Column.Learn moreStart building todayBuild your own products, on your terms, without layers in between.DocumentationExplore our APIsGet startedQuickly get up to speedContact salesCome and say helloProductsACHWireRealtimeBook TransfersChecksBank AccountsLoan Origination Loan PurchaseDebt FinancingCard ProgramsCard IssuingStablecoinsGlobal BankingMulticurrencyDevelopersDocumentationChangelogCompanyAboutBlogCareersPressSecurityPrivacy Notice

Column offers an integrated infrastructure for financial products by dissolving the traditional complexity of card program development, which historically required stitching together separate entities like issuing banks, capital sources, and issuer processors while managing associated risks and gaps. Column achieved this by building its issuer processor from scratch with direct connections to Visa and Mastercard, operating on the same core banking infrastructure used for high-volume transactions. This architecture allows card programs to be executed through a streamlined process involving only a few API calls, effectively connecting the credit line origination, card account binding, and card issuance across a single system.

The platform supports virtually any program type and form factor, including credit, debit, charge, fleet, purchasing, prepaid, and stablecoin-backed programs, integrating directly with the largest card manufacturers. This integration allows for the physical printing and mailing of plastic or other physical cards via a single API call, enabling customization of design and experience end-to-end. Furthermore, transaction data, including location and merchant details, is returned through the API, allowing users to maintain control over the data feed while supporting the use of external card manufacturers. This system fundamentally changes the paradigm by allowing the end-user to control the card object, which encapsulates all relevant details such as card program IDs, account IDs, status, and various temporal and contractual information, facilitating the ability to issue, freeze, and deactivate cards through a unified interface.

Real-time control is provided across card issuance; on every authorization, the processor sends a webhook providing merchant details, verification methods, and fraud scores, enabling immediate approval, decline, or challenge, or the ability to set advanced authorization policies. This control extends to mobile wallets, where decisions regarding provisioning or challenges are managed seamlessly. The platform also supports advanced features such as tokenization, dispute management, and spend controls for mobile wallets, while maintaining full ownership over wallet tokens which can be remotely managed.

Beyond card issuing, Column provides comprehensive banking and payment rails through its developer platform. This includes orchestrating ACH credits and debits with a single request, providing access to all five settlement windows and NACHA options. Instantaneous wire transfers are facilitated via the API, and real-time payment rails from The Clearing House and the Federal Reserve ensure transparent and immediate settlement. The system also supports various account types, allowing users to spin up programmable and scalable FDIC-insured bank accounts via a single API call. For international operations, Column offers direct access to Swift and international routing for sending money to over 180 countries, along with instant foreign exchange capabilities and local payment rails, all accessible through the same APIs.

The platform extends into lending and stablecoin markets, offering solutions for origination, growth, and settlement. It facilitates loan origination partnerships, allows programmatic selling of originated loans, and provides capital financing to scale lending programs. Additionally, the system supports stablecoin settlement and global issuing, allowing settlement in USDC and backing cards with stablecoins across international markets. The integration of these functions—from payment rails and banking accounts to global issuance and advanced lending tools—demonstrates an API-first approach designed to provide the speed, flexible account model, and control necessary for building advanced financial products without imposing layers of middleware. The underlying infrastructure is designed to connect accounts, money movement, lending, and cards onto one cohesive platform.