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Just-In-Time Authorization
Authorize every card transaction against your live data — account balance, credit score, KYC status, or any custom logic. Receive a real-time webhook, respond with approve/decline in under 100ms. Your decisioning engine, your rules.
<100ms
Response time
Real-time
Webhooks
Approve · Decline · Modify
Response actions
Technical Deep-Dive
How It Works
The technical architecture behind Just-In-Time Funding — built into every Fyatu card program.
Authorization Webhook
Every card swipe triggers an HTTPS POST to your endpoint before the transaction is settled. The payload contains the full authorization context: merchant name, MCC, amount, currency, card ID, and cardholder metadata. Respond with an approve or decline JSON body within your SLA window.
Real-time Decisioning
Your backend becomes the authorization oracle. Query your own database, scoring model, or balance ledger on every transaction. Approve in good conditions, decline when limits are exceeded, or modify the amount for partial approvals — all before the merchant's POS times out.
Balance Sync
Keep card spending in lock-step with your wallet or ledger balance. Reject transactions the instant an account goes negative without relying on batch reconciliation or day-end sweeps.
Velocity Rules
Enforce rolling spend limits — per minute, hour, or day — directly inside your JIT handler. No configuration UI required; your code drives the logic, giving you infinite flexibility over rule complexity.
Full Audit Trail
Every authorization decision — including your webhook payload, response body, latency, and outcome — is logged and queryable via API or the Fyatu dashboard. Supports compliance exports and dispute resolution workflows.
Use Cases
Who Benefits from Just-In-Time Funding
Industries and platforms building with Just-In-Time Funding through the Fyatu Card Issuing API.
Neobanks
Gate card spend against live wallet balances and KYC tiers. Prevent overdrafts without batch reconciliation.
Crypto-funded Cards
Convert stablecoin or crypto balances to fiat at the moment of authorization, ensuring the card only settles what the user actually holds.
Expense Management
Enforce per-employee budgets, MCC policies, and receipt requirements in real time — before the charge goes through, not after.
BNPL
Run credit eligibility checks at point-of-sale and split authorizations into installments on the fly without pre-loading card balances.
Lending Platforms
Issue credit-backed cards where every swipe checks available credit line, repayment status, and risk flags before approving.
Fraud Prevention
Feed authorization events into your ML fraud model and decline anomalous transactions in real time before they settle.
Just-In-Time Funding FAQ
Common questions about just-in-time funding on the Fyatu Card Issuing API.
Card Issuing Platform
Ready to build with Just-In-Time Funding?
Every Fyatu card program includes Just-In-Time Funding out of the box. No add-ons, no extra config.
