Instant Issuance is really instant.

Launching a card program has always been slow, complex, and expensive. At Apto we remove barriers so you can launch card programs with ease. The Apto Instant Issuance program is fast, easy, and fair.Get started now

Instant Issuance is really instant.

Launching a card program has always been slow, complex, and expensive. At Apto we remove barriers so you can launch card programs with ease. The Apto Instant Issuance program is fast, easy, and fair.Get started now
FastWhy wait months to get started? You can sign up and start working in sandbox within minutes. Instead of waiting, move to production on your timeline.
Fair$5 per physical card. $0.25 per virtual card. No upfront fees, monthly minimums, multi-year commitments, or early-termination fees. Our pricing structure is transparent and simple.
EasyApto handles PCI-DSS compliance, chargebacks, and disputes. You’ll receive a gold star from your compliance team, regulators, and most importantly, your users.

How it works

Build in sandbox

With your developer account, you can generate API keys, use our SDKs to launch your cardholder app, and generate sample transactions to test your integration. All it takes is an email address to get started.

Switch to production

Ready to issue real cards? Fill out your company details and set up a billing account. We’ll programatically verify your business and establish your production environment and then it’s up to you to flip the switch.

Customize your card

Choose your card color and upload your company logo to design a card that suits your style. Once approved, you’re good to go.

Rest easy and onboard users

Leverage our SDK to launch a compliant cardholder sign-up flow in your app to start onboarding your users. Just log in to your dashboard to track sign-ups and revenue.

Bank accounts

When your users sign up for a card, we create a bank account for them behind the scenes. The card draws from the account whenever a transaction is made. Your users can fund their accounts with instant debit card transfers, ACH, and direct deposit.

Consumer debit cards

Apto’s consumer debit cards can be used anywhere cards are accepted. Cardholders can fund their bank accounts and use their cards for ecommerce and digital wallet transactions immediately. Our physical cards are contactless, can be printed to match your branding, and ship in 5-7 days.

Simple pricing

Pay a flat fee of $5 per physical card or $0.25 per digital card issued. Every time a card is used, you pay a flat, $0.10 transaction fee. No upfront costs. No hidden fees. No surprises. And yes, we split the interchange revenue with you 50/50.

Taking things a step further

In addition to offering APIs, we went one-step further to provide SDKs to streamline regulatory sensitivities around compliance, identity verification, data security, and privacy. Leverage our SDKs so you don't have to think about the regulators. And, if you prefer, we also offer a white label, standalone mobile app that you can brand and distribute to your users too.

Cardholder support

We get that you're focused on delivering a seamless experience to your customers so we provide the best cardholder support available. We offer 24/7 support via our chatbot and toll-free support line. We also provide a dedicated email address and support team to make sure your customers are well taken care of.