Card Issuing API for Europe

Yes. Fyatu's card issuing API issues cards that are 3D Secure 2.0 compliant — meeting PSD2 Strong Customer Authentication requirements for online transactions across the EU and UK. The 3DS2 challenge flow is handled at the Fyatu platform level, meaning your issued virtual cards and prepaid debit cards pass SCA checks on major European e-commerce platforms without any additional coding on your side. This is a critical requirement that simpler card issuing APIs often handle inadequately.

Reap is Asia-focused and Interlace is built for Southeast Asia — neither offers the European BIN coverage, PSD2/SCA compliance, or regional support that European fintechs require. Fyatu provides dedicated Visa and Mastercard BINs across 45 European countries, full 3DS2 and SCA compliance out of the box, transparent per-card pricing ($0.50 per virtual card), stablecoin funding (USDT & USDC), and a setup fee from $1,200. For EU and UK fintechs, Fyatu also removes the need for a standalone EMI licence — a significant time and cost saving.

Yes. All virtual cards and prepaid cards issued via Fyatu's API are eligible for Apple Pay and Google Pay tokenization. This is native to the platform — no separate wallet integration is required. European consumers have extremely high Apple Pay and Google Pay adoption rates (especially in the UK, France, Germany, and the Netherlands), so offering mobile wallet support from day one is essential for competitive card products in these markets.

JIT (Just-in-Time) authorization is Fyatu's real-time decision engine that fires a webhook to your server at the moment a cardholder initiates a transaction. Your system checks business logic — balance availability, merchant category, spend limits — and returns an approve or decline response within milliseconds. JIT authorization is fully available for European card programs and is particularly popular among UK and Dutch expense management fintechs that need granular per-transaction control without pre-funding large card balances.

Fyatu card programs are funded via stablecoin — specifically USDT and USDC on supported networks. European users send stablecoins to their Fyatu-powered wallet, which converts to USD and makes the balance immediately available for card spending. This approach eliminates traditional banking rails entirely — no SEPA delays, no bank account required, no currency conversion fees at the funding step. For crypto-native fintechs and treasury teams operating in Europe, stablecoin funding is a cleaner and more flexible rail than traditional bank transfers.