Single-use virtual cards for secure, controlled spend
Create virtual cards that are valid for one merchant, one amount, or one time window. Ideal for B2B procurement, subscription management, and vendor payments. Issue and control via API with real-time authorisation and closure.
What you are up against
Common barriers to launching and scaling financial products in this space.
Corporate card misuse
Shared or long-lived cards increase fraud and out-of-policy spend. Limiting exposure per payment is difficult with traditional cards.
Subscription and recurring payouts
Managing subscriptions and vendor payouts with card-on-file requires tight control over each payment and merchant.
Procurement and approvals
Matching card issuance to approved POs and invoices is manual. Single-use cards create a natural audit trail per payment.
API and automation
Creating and funding cards in real time from procurement, expense, or billing systems requires a robust card-issuing API.
How Kobble helps
Purpose-built infrastructure that removes complexity so you can focus on your product.
Single-Use Card Issuing
Create virtual cards with one-time or single-merchant constraints. Set amount, MCC, and validity window via API.
Merchant & Amount Controls
Lock cards to a specific merchant, amount cap, or MCC. Real-time authorisation enforces constraints before settlement.
Instant Issuance
Create and fund cards in milliseconds. Ideal for checkout flows, procurement, and automated vendor payments.
Fraud & Compliance
Transaction monitoring, velocity checks, and full audit trail. Each card ties to a specific purpose and approval.
API-First
REST APIs and webhooks for create, fund, suspend, and close. Integrate with procurement, expense, and billing systems.
Card-to-Wallet
Single-use cards can be provisioned to Apple Pay and Google Pay where needed for in-person or in-app use.
Results you can plan for
Measurable impact when you build on the Kobble platform.
Recommended stack
The Kobble modules most commonly used for this solution.
Let's build your solution
Our team will map your requirements to the Kobble platform and provide a tailored proposal with architecture recommendations and timeline estimates.