Card Issuing API for Southeast Asia

Yes. Fyatu's multi-market card issuing platform lets you issue virtual cards and prepaid cards across Singapore, Indonesia, Malaysia, Thailand, and the Philippines from a single API integration. Each cardholder profile can be scoped to a specific country and currency requirement. For a platform launching in Singapore first with plans to expand to Indonesia and Malaysia, Fyatu removes the need to re-architect your card program for each new market — you extend by configuring a new card product or currency, not by rebuilding.

JIT (Just-in-Time) authorization is particularly powerful for Southeast Asian expense platforms managing cards across multiple currencies and jurisdictions. When a cardholder in Thailand initiates a USD purchase on a SaaS platform, Fyatu fires a real-time webhook to your system before authorizing the transaction. Your platform can check the user's available balance, enforce MCC restrictions, apply FX rate logic, and return an approve or decline response — all within the transaction authorization window. This level of per-transaction control is what separates modern card issuing platforms like Fyatu from legacy processors.

Yes. Cards issued through Fyatu's API support both Apple Pay and Google Pay tokenization natively. In Southeast Asia, Google Pay is dominant in Indonesia, Malaysia, and Thailand while Apple Pay leads in Singapore among premium users. Fyatu ensures your virtual cards and prepaid cards are eligible for both wallet ecosystems from day one, without any additional wallet integration. This is a significant UX advantage when competing with local card products in the region.

Interlace is a Singapore-based card issuing API purpose-built for Southeast Asia, making it a direct comparable to Fyatu in the SEA market. The key differentiators: Fyatu offers stablecoin funding (USDT & USDC) as a native funding rail — removing banking infrastructure dependencies for crypto-native fintechs — transparent flat per-card pricing with no volume minimums, and multi-region BIN coverage that extends to Africa, Europe, the Middle East, and Latin America under the same API contract. For SEA fintechs planning global expansion, Fyatu eliminates the need to onboard additional card providers for each new region.

Fyatu provides a full REST API with OpenAPI 3.0 documentation, a sandbox environment with test card issuance and simulated transactions, real-time transaction and authorization webhooks, a management dashboard for card and cardholder monitoring, and developer support through a dedicated Slack channel. The API supports all major programming languages with sample code in Node.js, Python, PHP, and Go. Most Southeast Asian engineering teams complete a sandbox integration in 1–3 days before moving to production.