Card Products

Bespoke

Your Card Program, Your Experience, Your Brand – Powered by Our API

Bespoke is PayCaddy's API-first Card as a Service platform that enables you to integrate wallet services and card products directly into your UX/UI in less than 45 days. Full control over the frontend while we handle the back-end infrastructure.

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Why Bespoke?

For companies with development teams that want to own the user experience, Bespoke provides the deepest level of integration. Our RESTful APIs give you programmatic control over every aspect of your card program — from cardholder onboarding to transaction authorization — while our infrastructure manages compliance, settlement, and network connectivity behind the scenes.

Prepaid

Issue prepaid cards funded by user deposits or company loads. Cardholders load funds via bank transfer, cash-in, or card-to-card transfer and spend using their physical or virtual Mastercard.

  • Pre-funded wallet model
  • Instant virtual card provisioning
  • Configurable spending limits
  • Multi-currency support
Use Cases Payroll disbursement, gig worker payments, travel cards, rewards programs

Just in Time Funding

Authorize transactions in real time by funding the card at the exact moment of purchase. Your system receives an authorization request, decides whether to approve, and funds the transaction instantly.

  • Webhook-based authorization
  • Custom approval logic
  • Per-transaction funding
  • Merchant category restrictions
Use Cases Banking debit cards, corporate expense cards, fleet management, crypto-backed cards

Credit

Launch credit card products with revolving credit lines. Set custom credit limits, billing cycles, interest rates, and repayment terms for your cardholders — all managed through the Bespoke API.

  • Configurable credit limits
  • Custom interest rates
  • Flexible billing cycles
  • Minimum payment rules
Use Cases Consumer and commercial credit cards, buy-now-pay-later, business credit lines
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Integration Overview

Getting started with Bespoke is straightforward for development teams.

1

API Access

Get your sandbox credentials and explore our API documentation. Test every endpoint in a safe environment before going live.

2

Build Your Experience

Use our APIs to integrate cardholder onboarding, card management, and transaction processing into your existing application.

3

Certification

Complete our lightweight certification process to ensure your integration meets security and compliance standards.

4

Go Live

Switch from sandbox to production and start issuing cards to real users at scale.