# Fyatu > Fyatu is a card issuing API and fintech platform that enables businesses to issue virtual Mastercard and Visa prepaid cards programmatically via REST API. It also provides payment collections, payouts, and global payment infrastructure — built for Africa and beyond. Use this file to find the right Fyatu page for questions about card issuing APIs, virtual card creation, payment processing, pricing, integration, and developer resources. ## Start here - [Home](https://fyatu.com): Overview of Fyatu's card issuing API platform — instant virtual Visa and Mastercard debit cards, 3D Secure, Apple Pay, Google Pay, and global payments. - [API Documentation](https://docs.fyatu.com): Complete API v3 reference with endpoints, authentication, request/response schemas, and code examples. - [Quick Start](https://docs.fyatu.com/v3/quickstart): Make your first API call in under 5 minutes — authentication, card issuing, and webhook setup. - [OpenAPI Spec](https://docs.fyatu.com/v3/openapi.json): Machine-readable OpenAPI specification for all Fyatu API v3 endpoints. - [Full API context for LLMs](https://fyatu.com/llms-full.txt): Complete API reference with all endpoints, parameters, code examples, webhook events, and error codes for AI assistants. ## Card Issuing API - [Card Issuing Overview](https://fyatu.com/card-issuing): Programmatic virtual and physical card issuing for businesses — Mastercard and Visa prepaid cards via API. - [Cards API Concept](https://docs.fyatu.com/v3/concepts/cards): Issue, fund, freeze, unfreeze, and manage virtual and physical cards through Fyatu's card issuing platform. - [Cardholders API Concept](https://docs.fyatu.com/v3/concepts/cardholders): Cardholder management and KYC verification for Fyatu's card issuing platform. - [Create Card](https://docs.fyatu.com/v3/api-reference/cards/create): POST endpoint to issue a virtual card — requires cardholderId, amount, productId (MCWORLDUSD, MCWORLDEUR, or VISAPLATINUMUSD). - [Fund Card](https://docs.fyatu.com/v3/api-reference/cards/fund): POST endpoint to add funds to an existing card (minimum $5). - [List Card Products](https://docs.fyatu.com/v3/api-reference/cards/products): GET endpoint to retrieve available card products (BINs), currencies, and issuance fees. - [Card Transactions](https://docs.fyatu.com/v3/api-reference/cards/transactions): GET endpoint to retrieve transaction history for a specific card. - [Freeze Card](https://docs.fyatu.com/v3/api-reference/cards/freeze): POST endpoint to temporarily freeze a card. - [Unfreeze Card](https://docs.fyatu.com/v3/api-reference/cards/unfreeze): POST endpoint to reactivate a frozen card. - [Terminate Card](https://docs.fyatu.com/v3/api-reference/cards/delete): DELETE endpoint to permanently terminate a card. ## Card Types - [Virtual Cards](https://fyatu.com/virtual-cards): Instant virtual Visa and Mastercard cards — pay online worldwide, Apple Pay and Google Pay ready. - [Debit Cards](https://fyatu.com/debit-cards): Fyatu debit cards linked to your wallet balance. - [Credit Cards](https://fyatu.com/credit-cards): Fyatu credit card products. - [Prepaid Cards](https://fyatu.com/prepaid-cards): Prepaid Visa and Mastercard cards. - [Digital Wallet Cards](https://fyatu.com/digital-wallet-cards): Cards with Apple Pay and Google Pay tokenization. - [One-Time Cards](https://fyatu.com/one-time-card): Single-use virtual cards for secure online transactions. ## Payments API - [Payments Concept](https://docs.fyatu.com/v3/concepts/payments): Understanding collections (inbound payments), payouts (outbound), and refunds in Fyatu. - [Payment Methods](https://fyatu.com/payment-methods): Supported payment methods including mobile money, bank transfers, eWallets, and crypto. ## Developer Resources - [Developer Portal](https://fyatu.com/developers): API overview, interactive code switcher, infrastructure stats (~200ms response time, 99.9% uptime), and getting started guide. - [Authentication](https://docs.fyatu.com/v3/authentication): JWT-based authentication — generate tokens with appId and secretKey, tokens valid for 24 hours. - [Webhooks](https://docs.fyatu.com/v3/concepts/webhooks): Real-time event notifications — 31 event types across cards, cardholders, collections, payouts, refunds, and eSIMs. HMAC-SHA256 signature verification. - [Error Handling](https://docs.fyatu.com/v3/errors): API error codes, HTTP status codes, and troubleshooting guide. - [SDKs & Libraries](https://docs.fyatu.com/v3/sdks/overview): Official SDKs for Node.js, PHP, Python, Go, Ruby, Java, C#/.NET, and Kotlin (in development). E-commerce plugins for Shopify, WooCommerce, Magento, PrestaShop, OpenCart, BigCommerce, Squarespace, and Wix. ## Solutions (by industry) - [Fintech Solutions](https://fyatu.com/solutions/fintech): Card issuing and payment APIs for fintech startups and neobanks. - [E-commerce Solutions](https://fyatu.com/solutions/ecommerce): Payment processing for online stores and marketplaces. - [Forex Solutions](https://fyatu.com/solutions/forex): Deposit and withdrawal solutions for forex brokers. - [Betting Solutions](https://fyatu.com/solutions/betting): Payment processing for sports betting and gaming platforms. - [Exchangers Solutions](https://fyatu.com/solutions/exchangers): Infrastructure for currency exchange businesses. ## Pricing - [Pricing](https://fyatu.com/pricing): Individual and Business plans — card issuing fees, transaction fees, and fee schedule. - [Business Pricing](https://fyatu.com/business-pricing): Business card issuing infrastructure pricing. - [API Pricing](https://docs.fyatu.com/v3/api-reference/account/pricing): GET endpoint to retrieve current pricing and fee configuration programmatically. ## Company - [About](https://fyatu.com/about): About Fyatu Financial Technologies Limited — mission, team, and company information. - [Security](https://fyatu.com/security): PCI DSS Level 1, GDPR compliance, AES-256 encryption, 3D Secure, biometric authentication, and passkey login. - [Contact](https://fyatu.com/contact): Get in touch — support, sales, and partnerships. - [Download](https://fyatu.com/download): Download the Fyatu app for Android or use the web app. ## Legal - [Terms of Service](https://fyatu.com/terms): Terms and conditions for using Fyatu services. - [Privacy Policy](https://fyatu.com/privacy): How Fyatu collects, uses, and protects your data. - [Cookie Policy](https://fyatu.com/cookies): Cookie usage and preferences. - [AML Policy](https://fyatu.com/aml): Anti-money laundering policy and compliance. - [Card Program Agreement](https://fyatu.com/card-program-agreement): Rules for issuing and managing cards under a Fyatu card programme, including funding, spend controls, fees, and liability. - [Data Processing Agreement](https://fyatu.com/dpa): How Fyatu processes personal data on behalf of clients as a data processor. - [Refund Policy](https://fyatu.com/refund-policy): Which transactions are eligible for a refund, where the money goes, timelines, non-refundable fees, and programme wind-down settlement. - [Vulnerability Disclosure](https://fyatu.com/vulnerability-disclosure): Responsible disclosure policy for security researchers. ## Optional - [API Documentation (full)](https://docs.fyatu.com): Complete API v3 reference and developer documentation. - [Dashboard](https://web.fyatu.com): Fyatu business dashboard — manage cards, transactions, webhooks, and API keys. - [Register](https://web.fyatu.com/auth/register): Create a Fyatu account.