Live the moment you create them. Virtual Mastercard cards that spend from your wallet balance, with limits and freeze controls by API.
Cards in minutes. A virtual card is active the moment you create it. Set its limit, freeze it or cancel it by API.
No activation step between the API call and the first purchase.
Set the spending limit before you issue, change it any time.
One call each. Cancellation is permanent.
Licence access. Run your Philippine card programme on our Mastercard BIN sponsorship.
Commercial licence access for programmes issuing in the Philippines.
Your programme runs on the Mastercard network.
Balances on your books, run on our stack.
Early accessNo overspend, by design. Every card spends from a wallet balance. A purchase over the card's limit is declined at authorization.
Every purchase is deducted from the wallet the card shares.
Controls by merchant name, day, time and amount.
Limits by purchase, day, month and lifetime.
Early accessCreate a card against a cardholder and a programme. The response comes back with the card already active.
POST /v1/issuing/cards
201 Created
curl https://api.paymongo.com/v1/issuing/cards \
-u sk_test_••••••••: \
-d cardholder=ch_5b2e8a41 \
-d card_program=card_prog_3c7d91e0 \
-d account_number=000001234567 \
-d type=virtual1{2 "id": "card_9f1a7d2c",3 "type": "virtual",4 "currency": "php",5 "status": "active",6 "last4": "5430"7}TNKR supplies the technology; a licensed partner in your market holds the licence and the customer funds.
| Market | Availability | How it runs |
|---|---|---|
| Philippines | Live | Issued by PayMongo Payments, Inc., with BIN sponsorship for your programme |
| Singapore | Early access | Through a licensed partner in market |
| Cambodia | Early access | Through a licensed partner in market |
| Indonesia | Scoping | Partner and model in scoping |
BIN sponsorship is offered for Philippine programmes only. Outside the Philippines, the partner's licensing sets the timeline.
TNKR issues virtual Mastercard prepaid cards for programmes in the Philippines. Each card is created by API, is active the moment it is created, and is funded from a PayMongo wallet balance, so it can spend only what the balance holds. TNKR does not issue Visa, credit or debit cards, and physical cards are not available today.
No. TNKR lets Philippine programmes issue Mastercard cards without a card licence of their own, through BIN sponsorship. The cards are issued by PayMongo Payments, Inc., and balances are e-money held in PayMongo wallets. If you hold your own licence and want balances kept on your own books, the own-licence model is available in early access.
TNKR's BIN sponsorship lets a Philippine fintech, lender or enterprise issue Mastercard cards on a bank identification number (BIN) sponsored through PayMongo, so the programme launches without applying to the network on its own. Sponsorship covers programmes in the Philippines, and the cards are issued by PayMongo Payments, Inc.
TNKR cards are live the moment the API creates them. The launch date for a full programme depends on its design, onboarding and compliance review, and TNKR sets that plan with you at scoping. BIN sponsorship removes the separate network approval a programme would otherwise need to secure on its own.
TNKR cards are prepaid on a PayMongo wallet balance, so no card can spend more than the balance holds. Each card carries its own spending limit, and you can freeze, unfreeze or cancel any card by API. Controls by merchant name, day, time and amount are available, and category, country and channel controls are in early access.
TNKR issues cards through an API. A single create request returns a virtual Mastercard that is already active, and further calls set its spending limit or freeze, unfreeze and cancel it. Every card draws on a PayMongo wallet balance you fund, so your system decides who gets a card, how much it can spend and when it stops.
TNKR issues cards in the Philippines today. In Singapore and Cambodia, TNKR supplies the issuing technology to a licensed partner in that market, which holds the licence and the customer funds; this model is in early access. Indonesia is being scoped. Each programme is planned with the partner, and the partner's licensing sets the pace.
TNKR is a product of PayMongo. PayMongo Payments, Inc. is regulated by the Bangko Sentral ng Pilipinas as an Operator of Payment Systems and an Electronic Money Issuer, and TNKR cards are issued by PayMongo Payments, Inc.
Tell us about your programme and we'll scope it with you.
Talk to an expertNames, cards and amounts shown on this page are sample data.