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Virtual Cards
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Issue White-label Virtual Cards for Your Brand at Zero Cost

Launch customizable Virtual Cards for your customers or employees within days. Officially Powered by Mastercard®.
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Issue Cards on the Go. Virtually on Your Platform.

Increase payment acceptance and user engagement with Ayoconnect Virtual Cards API.
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The Ultimate Solution for Card Issuance

Build personalized transaction experience for your customers and employees virtually on your platform.

Go Live in  Days

Get ready to launch virtual cards in 7 days on your platform.

Regulatory Compliant

Ready to launch with no additional regulatory approvals.

Unlimited Issuance

Issue unlimited virtual cards for your business at zero cost.

Easy Customization

Configure limit assignment based on cardholders’ profiles.

Borderless Experience

Process domestic and cross-border transactions with ease.

Monitoring Made Easy with Centralized Interface

Access and manage your issued virtual cards easily through the embedded interface, web or mobile.

Experience the Dynamic Control at Your Fingertip

Customize Cards

Decide unique limits and card validity duration easily during every issuance. Top-up, deactivation, and new card generation can be made at any time.

Monitor Transactions

With real-time updates, you can track every transaction and make informed decisions based on user spending behavior.

Assign User and Usage

Experience the flexibility of assigning cards to one or multiple users, and determine card usage terms for single or multi-usage.

Prevent Fraud

Track transactions and analyze with desired variables to prevent fraudulent transactions.

A Solution for Boundless Innovations

You Design the Purpose, We Build the Card.

Incentives and Rewards

Modernize incentives and rewards program for customer loyalty

Online Travel

Book and manage travel arrangements faster, with less risk of fraud

Small Business Lending

Disburse loans in pace without requiring receivers’ bank accounts

Expense Management

Track and manage expenses with flexibility and control

Media & Ad Agencies

Streamline media buying across channels and manage reconciliation

Buy Now, Pay Later

Enable borrowers to pay for purchases instantly upon approval

Insurance

Streamline resources and fasten time to settle insurance claims

On-Demand Services

Efficiently enroll new merchants and couriers at scale

A Solution for Boundless Innovations

Case studies from some of our amazing customers who are building faster.
Expense Management

Track and manage expenses with flexibility and control

Online Travel

Book and manage travel arrangements faster, with less risk of fraud

Small Business Lending

Disburse loans in pace without requiring receivers’ bank accounts

Digital Advertising

Streamline media buying across channels and manage reconciliation

Buy Now, Pay Later

Enable borrowers to pay for purchases instantly upon approval

Insurance

Streamline resources and fasten time to settle insurance claims

On-Demand Services

Efficiently enroll new merchants and couriers at scale

Incentives and Rewards

Modernize incentives and rewards program for customer loyalty

Elevate Your Brand Presence within Online Payment Experience

Get ready to take your customer engagement and loyalty to the next level. Our white-label Virtual Cards solution enables any brand to play a more meaningful role in their customers’ lives.

White Label Design

Customize your cards design to match your brand identity. Build an exceptional and personalized payment experience for your customers or employees.

Safe and Secure

Our solution were developed to provide a safe and convenience payment experience for end users using advanced encryption and authentication process.

Solutions

Realize Your Boundless Innovations with Us

Instant Transfer

Instantly transfer funds to one or multiple bank accounts at a low cost, available for both single and bulk transactions.
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A dashboard interface of fast disbursement solution

Direct Debit

Collect payments from your customers' bank accounts effortlessly whether they’re recurring, one-off, or variable.
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Direct Debit Solution shown on iPhone 14 surrounded by logo of Bank BRI, Bank Mandiri, CIMB Niaga, Nobu Bank

Virtual Cards

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Issue your own customizable white-label Virtual Cards for your customers or employees at zero cost.
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Ayoconnnect Virtual Cards Solutions inside iPhone 14 interface

Digital Products (PPOB)

Seamlessly integrate 1,000+ digital products and bill payments from 24+ categories via just one API.
Available Solutions:
PPOB Embedded Lifestyle Autobilling
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All PPOB Services Icons

Direct Debit

Collecting payments from your customers has never been easier - whether they're recurring, one-off, or variable, we make it effortless.
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Income Verification

Securely verify a person's income in real-time using their bank account, phone number, and National Identity Number (NIK).
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Fast Disbursement

Instantly transfer funds to one or multiple bank accounts at a low cost, available for both  single and bulk transactions.
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Recurring Payment Management

Transform your Revenue Operations with our subscription billing solution - easily integrated with just one API.
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A Solution for Boundless Innovations

You Design the Purpose, We Build the Card.

Why Ayoconnect Virtual Cards

PCI-DSS Compliant

Best-in-class security, complying with PCI-DSS requirements.

24/7 Support Team

Dedicated Support Team to assist clients' technical problems.

Powered by Mastercard®

Powered by global payment technology company, Mastercard®.

Built for Scale

70% faster time to market allow businesses to scale at anytime.

Tell us how we can help and we’ll get in touch shortly.

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