Launch virtual payment cards in days, not months
Launch virtual payment cards in days, not months
ARQEN FINANCE is an API‑first issuing layer for virtual cards with Apple Pay and Google Pay tokenization. Built for agencies, fintechs, SaaS platforms, and marketplaces that need control, speed, and scale.
ARQEN FINANCE is an API‑first issuing layer for virtual cards with Apple Pay and Google Pay tokenization. Built for agencies, fintechs, SaaS platforms, and marketplaces that need control, speed, and scale.
Fast to live
Pilot in ~1 week with a guided sandbox and prebuilt flows.
Fast to live
Pilot in ~1 week with a guided sandbox and prebuilt flows.
Precise controls
Spend limits, velocity rules, MCC/merchant allow‑lists, time windows, and region policies.
Precise controls
Spend limits, velocity rules, MCC/merchant allow‑lists, time windows, and region policies.
Network tokenization
Add to Apple Pay / Google Pay programmatically.
Network tokenization
Add to Apple Pay / Google Pay programmatically.
Operational reliability
Observability, webhooks, idempotency keys, and safe retries for scale.
Operational reliability
Observability, webhooks, idempotency keys, and safe retries for scale.
Partner‑grade support
Solution engineers available during integration and go‑live.
Partner‑grade support
Solution engineers available during integration and go‑live.
Problems and How We Solve Them
Problems and How We Solve Them
Launch timelines slip for months
A single REST API for issuance and controls, mirrored sandbox/production contracts, and an integration checklist that compresses delivery.
Launch timelines slip for months
A single REST API for issuance and controls, mirrored sandbox/production contracts, and an integration checklist that compresses delivery.
Fragmented tooling across providers
One integration for card lifecycle + parameter management; rotate keys and move between environments without code rewrites.
Fragmented tooling across providers
One integration for card lifecycle + parameter management; rotate keys and move between environments without code rewrites.
Manual card setups cause errors
Templates and profiles for limits, MCC, regions, and expirations; issue cards singly or in batches with the same policy.
Manual card setups cause errors
Templates and profiles for limits, MCC, regions, and expirations; issue cards singly or in batches with the same policy.
Tokenization takes custom work per platform
Unified tokenization endpoints and callback flows for Apple Pay / Google Pay.
Tokenization takes custom work per platform
Unified tokenization endpoints and callback flows for Apple Pay / Google Pay.
Unclear approval logic and declines
Deterministic rules (MCC, merchant, geography, velocity); detailed reason codes in responses and webhooks.
Unclear approval logic and declines
Deterministic rules (MCC, merchant, geography, velocity); detailed reason codes in responses and webhooks.
Hard to monitor at volume
Event webhooks, request IDs, idempotency keys, and queryable logs for tracing issuance and spend.
Hard to monitor at volume
Event webhooks, request IDs, idempotency keys, and queryable logs for tracing issuance and spend.
Migration risk from legacy integrations
Side‑by‑side sandbox validation, data mapping templates, and staged cutover playbooks.
Migration risk from legacy integrations
Side‑by‑side sandbox validation, data mapping templates, and staged cutover playbooks.
Unknowns around KYC/KYB and funding
Clear ownership matrix (you vs. program), supported funding rails, and reference flows for balances and top‑ups.
Unknowns around KYC/KYB and funding
Clear ownership matrix (you vs. program), supported funding rails, and reference flows for balances and top‑ups.
What You Can Build
What You Can Build
Corporate spend & teams
Unleash the potential of cutting-edge AI through a seamless internet experience.
Corporate spend & teams
Unleash the potential of cutting-edge AI through a seamless internet experience.
Media buying at scale
card series for ad accounts with automated caps and lifecycle automation.
Media buying at scale
card series for ad accounts with automated caps and lifecycle automation.
Marketplaces & SaaS
embedded virtual cards as an added value for your sellers or users.
Marketplaces & SaaS
embedded virtual cards as an added value for your sellers or users.
Wallet‑style fintech apps
in‑app issuance with tokenization into Apple/Google Pay.
Wallet‑style fintech apps
in‑app issuance with tokenization into Apple/Google Pay.
Gig / outstaffing
role‑based spend profiles, temporary cards per assignment.
Gig / outstaffing
role‑based spend profiles, temporary cards per assignment.
Gifting & incentives
one‑off or batch cards with fixed budgets and expirations.
Gifting & incentives
one‑off or batch cards with fixed budgets and expirations.
Why ARQEN FINANCE
Why ARQEN FINANCE
API‑first by design — clean REST, OpenAPI spec, and consistent environments.
API‑first by design — clean REST, OpenAPI spec, and consistent environments.
Templates for speed — issue 1 or 10,000 cards with the same policy profile.
Templates for speed — issue 1 or 10,000 cards with the same policy profile.
Controls that prevent spend leaks — MCC, merchant, geo, time, and velocity rules.
Controls that prevent spend leaks — MCC, merchant, geo, time, and velocity rules.
Tokenization built‑in — programmatic push to Apple Pay / Google Pay.
Tokenization built‑in — programmatic push to Apple Pay / Google Pay.
Scale without surprises — idempotent endpoints, webhooks, and retry‑safe patterns.
Scale without surprises — idempotent endpoints, webhooks, and retry‑safe patterns.
Support that ships — solution engineers in the loop during integration.
Support that ships — solution engineers in the loop during integration.
Architecture & Security
Architecture & Security
Data separation
PAN and sensitive data remain in the issuing provider vault.
Scope minimization
Client integration patterns designed to reduce PCI DSS exposure.
Secrets
Environment‑scoped API keys and key rotation.
Access control
Role‑based access suggestions and audit‑friendly event logs.
Observability
Request IDs and correlation IDs for tracing.
Data separation
PAN and sensitive data remain in the issuing provider vault.
Scope minimization
Client integration patterns designed to reduce PCI DSS exposure.
Secrets
Environment‑scoped API keys and key rotation.
Access control
Role‑based access suggestions and audit‑friendly event logs.
Observability
Request IDs and correlation IDs for tracing.
Integration Flow
Integration Flow
Typical pilot: ~1 week with a dedicated engineer and our test checklist.
Typical pilot: ~1 week with a dedicated engineer and our test checklist.
1
Sandbox access
receive keys and OpenAPI spec
1
Sandbox access
receive keys and OpenAPI spec
2
Build
call issuance and control endpoints; set up webhooks
2
Build
call issuance and control endpoints; set up webhooks
3
Validate
run reference scenarios and batch tests
3
Validate
run reference scenarios and batch tests
4
Cutover
enable production keys; monitor with live dashboards
4
Cutover
enable production keys; monitor with live dashboards
Funding & Money Flows
Funding & Money Flows
Supported funding models
program wallet top‑ups, settlement accounts, or third‑party rails (subject to program).
Supported funding models
program wallet top‑ups, settlement accounts, or third‑party rails (subject to program).
Currencies
multi‑currency support is available by program; FX and fees defined per agreement.
Currencies
multi‑currency support is available by program; FX and fees defined per agreement.
Fees
issuance, top‑up, and transaction fees are tiered by volume.
Fees
issuance, top‑up, and transaction fees are tiered by volume.
Chargebacks & disputes
standard network flows; reporting via webhooks and exports.
Chargebacks & disputes
standard network flows; reporting via webhooks and exports.
Partner & Reseller Program
Partner & Reseller Program
White‑label options
embed ARQEN as your issuing layer
White‑label options
embed ARQEN as your issuing layer
Tiered pricing
better economics at scale
Tiered pricing
better economics at scale
Co‑selling support
solution engineering + collateral for your customers
Co‑selling support
solution engineering + collateral for your customers
SLAs
support windows and uptime commitments set per plan
SLAs
support windows and uptime commitments set per plan
FAQs
FAQs
What does ARQEN FINANCE provide
What does ARQEN FINANCE provide
How fast can we start?
How fast can we start?
Do you offer SDKs and webhooks?
Do you offer SDKs and webhooks?
What about PCI DSS?
What about PCI DSS?
Which regions are supported?
Which regions are supported?
Can we issue at scale?
Can we issue at scale?
How are declines handled?
How are declines handled?
What are the funding options?
What are the funding options?
Do you support Apple Pay / Google Pay?
Do you support Apple Pay / Google Pay?
What SLAs are available?
What SLAs are available?
Sandbox today — go live next week