Card Issuing API for North America

Reap is a Hong Kong-based card issuing platform with strong Asia-Pacific coverage. For North American fintechs, Reap's primary geographic focus means BIN coverage and support are optimized for Asia, not the US and Canada. Fyatu provides dedicated Visa and Mastercard BINs with North American coverage, transparent per-card pricing ($0.50 per virtual card), stablecoin funding (USDT & USDC), full JIT authorization, and Apple Pay / Google Pay support — all under a single API contract that also covers expansion into Latin America, Europe, Africa, and Southeast Asia when you're ready to scale globally.

Rain is a MENA-focused platform primarily built for Gulf card programs. For North American fintechs, the cost structure is a significant barrier: Rain's setup fee scales up to $80,000 depending on implementation timeline, and monthly platform minimums escalate from $5,000/month to $20,000/month over the first year — all tied to a 2-year contract. Rain also issues Visa-only USD cards. Fyatu provides both Visa and Mastercard BINs with a $1,200 setup fee, no monthly minimum, flat $0.50 per virtual card, and full JIT authorization — without the escalating cost structure as your program grows.

Absolutely. Every virtual card and prepaid card issued through Fyatu's API in North America is eligible for Apple Pay and Google Pay tokenization. Apple Pay and Google Pay adoption in the USA is among the highest globally, so offering mobile wallet compatibility is essential for any consumer or B2B card product. Your end users can add their Fyatu-issued card to Apple Wallet or Google Wallet immediately upon card creation — no physical card delivery required.

JIT (Just-in-Time) authorization is the capability to receive a real-time webhook when a cardholder initiates a transaction, apply your own business logic, and approve or decline the transaction before funds are committed. For North American expense management platforms, buy-now-pay-later products, and corporate card programs, JIT authorization enables features like real-time budget enforcement, merchant category blocking, receipt-required approvals, and dynamic spend limits — all without holding excessive pre-funded float. Fyatu delivers JIT authorization with sub-100 ms webhook latency.

Interlace is a Southeast Asia-focused card issuing API based in Singapore. It serves SEA markets well but offers limited coverage for North American programs. Fyatu differentiates on three key dimensions: global multi-region BIN coverage under a single API contract, stablecoin funding (USDT & USDC) as the primary funding rail, and transparent flat per-card pricing with no volume minimums. For a North American fintech with global ambitions, Fyatu removes the need to layer multiple regional card providers as you expand into new markets.