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Virtual Cards

Issue virtual Visa and Mastercard cards instantly via API. Perfect for online payments, subscription management, and corporate expense control. Cards are provisioned in seconds and can be added to Apple Pay, Google Pay, and Samsung Pay wallets.

Each virtual card can be configured with spending limits, merchant category restrictions, and expiry dates. Issue single-use cards for one-time purchases or reloadable cards for ongoing use.

  • Instant issuance via API in under 2 seconds
  • Apple Pay, Google Pay, and Samsung Pay compatible
  • Single-use and reloadable card options
  • Cards denominated in XAF, NGN, KES, ZAR, USD, EUR

Physical Cards

Order custom-branded physical cards with chip and contactless technology. NkapFin partners with card manufacturers across Africa to ensure fast delivery — typically 5-7 business days within CEMAC and 7-14 days continent-wide.

Design your cards with custom artwork, your brand colors, and personalized cardholder names. We handle the full lifecycle from production to PIN management to replacement.

  • Custom-branded card designs with your logo
  • EMV chip and contactless (NFC) technology
  • Local manufacturing for faster delivery
  • Full lifecycle management (activation, PIN, replacement)

Spend Controls

Give cardholders and administrators granular control over how cards are used. Set daily, weekly, or monthly spending limits. Restrict transactions by merchant category, country, or time of day. Perfect for corporate cards, teen accounts, and expense management.

  • Granular spending limits (daily, weekly, monthly, per-transaction)
  • Merchant category code (MCC) restrictions
  • Geographic and time-based controls
  • Real-time push notifications for every transaction

Security & Authentication

Every card comes with 3D Secure 2.0 authentication, real-time fraud monitoring, and instant card freeze capabilities. Cardholders can lock and unlock their cards from your app, and our AI fraud engine monitors every transaction for suspicious activity.

  • 3D Secure 2.0 for online transactions
  • Real-time fraud scoring on every authorization
  • Instant card freeze/unfreeze via API
  • Dynamic CVV for enhanced online security