Run card programs with a clear operating model.
Configure card products, manage the cardholder lifecycle and apply transaction controls in one place. Issuers, processors and program teams all work from the same events.
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What you get
Clear ownership for every card program action.
Structured program setup
Document approved products, roles, controls and dependencies before cardholder operations begin.
Coordinated lifecycle actions
Give onboarding, card, credential and status changes a defined owner and trail.
Connected transaction events
Link transaction controls, issuer decisions and ACS authentication events to program operations.
How it works
From program design to daily operations.
Configure
Agree products, partners, lifecycle statuses, controls and support procedures.
Onboard
Receive an approved cardholder or account handoff.
Issue
Send card creation or credential actions to the issuer or processor.
Control
Apply lifecycle and transaction controls, plus 3D Secure where in scope.
Operate
Return events and exceptions to program, risk, support and dispute teams.
Capabilities
Configuration, lifecycle and controls in one model.
Program configuration
Products, partner roles, status models, limits and operating policies in one setup.
Cardholder handoffs
Pass approved onboarding or eKYC outcomes into the cardholder creation process.
Card lifecycle events
Issue, activate, suspend, replace, renew and close cards through defined actions.
Transaction controls
Apply program controls and send relevant events to the transaction decisioning system.
Notifications and exceptions
Lifecycle, transaction and operational events for customer service and program teams.
Dispute and 3DS links
Connect dispute operations and issuer-side 3D Secure ACS where they are compatible.
Use cases
Where card programs use it.
Fintech card programs
A defined handoff between onboarding, program operations, the issuer and the processor.
Program modernization
Clearer lifecycle events and controls, without replacing every partner at once.
Multi-product portfolios
Separate configuration and operating rules for each card product or customer segment.
Issuer-side authentication
Plan ACS responsibilities alongside the rest of your issuing operations.
FAQ
Common questions.
Vellfi provides technology, not issuance. The licensed issuer, scheme member, processor and program manager roles sit with the parties named in your agreements, along with program approval and launch timing.
Who is the Issuing Platform for?
Issuers, program managers, fintechs and card programs that need clearer configuration, lifecycle, control and operating workflows across their partners.
Which card schemes and processors are supported?
We do not claim universal coverage. We confirm the scheme, processor, market, product and interface for each proposed program.
Can eKYC connect to the platform?
It can, where eKYC is part of the scope. The approved onboarding outcome then passes into the cardholder creation workflow.
How does 3D Secure ACS relate to issuing?
Issuer-side ACS supports online cardholder authentication. It is a separate Vellfi service with its own scope, linked to issuing where compatible.
Are physical and virtual cards included?
Only the card forms, fulfillment responsibilities and interfaces confirmed for your program. We agree these with you during scoping.
Related services
Works well with.
Define your card program operating model.
Share your products, issuer and processor relationships and lifecycle needs. We will map roles, events and controls. No cardholder documents needed.