Issuing

The Benefits to You

Manage Card Programmes Efficiently, with Flexible Controls

Issuing your own payment cards lets you restrict spending to specific purposes, control card use and track payments. secupay’s issuing service goes beyond providing cards and infrastructure: it also makes it possible to manage spending allowances, limits, and permitted uses centrally, all while keeping track of every transaction.

Fast Card Issuing

We provide digital and physical cards to suit your programme, from individual schemes to large-scale rollouts.

Control What Cards Are Used For

Set rules for card use to distribute funds for specific purposes, provide benefits or pay for purchases.

Manage Balances and Limits Centrally

Central control of budgets and limits: manage budgets, spending allowances, and usage limits in one place, and adjust them when needed.

Less Manual Work

Automating card issuing, budget management, and transaction processing reduces manual work in administration and accounting.

Clear Spending Records

You can track every transaction and expense, with data available for accounting, administration, and analysis.

Scalable Infrastructure

secupay’s issuing service supports both small card programmes and large projects with many users across several organisational units.

Our Solution

How Issuing Works with secupay

Whether you run a benefits programme, pay social benefits or let staff make small purchases, our infrastructure supports card programmes for different purposes, with setup tailored to your needs in just a few steps.

1

Issue
Cards

Depending on your use case, you can issue cards to customers or recipients, set spending allowances, limit how and where the cards can be used, and keep a clear record of spending.

2

Provide
Funds

The programme operator, such as a local authority or employer, provides the funds. secupay receives them into a trust account safeguarded under section 17 of Germany’s Payment Services Supervision Act (ZAG) and sets a matching spending allowance for the card.

Funds are matched to the card using an individual payment reference, a virtual IBAN linked to secupay’s trust account.

3

Set Rules
for Card Use

Set permitted uses, limits, or regional restrictions to suit your card programme.

4

Track
Transactions

Payments and expenses are recorded centrally, with records available for administration, accounting, and monitoring.

Issuing or Voucher-Based?

The Right Card Solution for Your Needs

Our service issues Visa debit cards, which can be used wherever they are accepted. Depending on the programme, you can set specific restrictions on how and where cards are used.

Voucher and prepaid solutions, by contrast, operate within a defined acceptance network, for example with participating merchants, at events or in city card schemes.

View vouchers & prepaid cards

Legal notice: secupay is a payment institution authorised by BaFin under Germany’s Payment Services Supervision Act (ZAG). It issues cards under its authorisation to issue payment instruments (section 1(1) sentence 2 no. 5, first alternative) and processes the associated payments as money remittance (section 1(1) sentence 2 no. 6 of the ZAG). No e-money is issued, no payment accounts are maintained, and no deposits are accepted. The funds provided are safeguarded under section 17 of Germany’s Payment Services Supervision Act (ZAG).

Use Cases

Issuing for Different Card Programmes

Our infrastructure scales to your needs, supporting a wide range of uses. For example, secupay’s solution supports public benefit payments, employee benefits, internal purchasing, and much more.

Employee Benefit Cards

Tax-Free Benefits on a Card

Employers can provide non-cash benefits to staff on a Visa debit card restricted to specific purposes, in accordance with the applicable tax rules.

Cards can be configured for use only with specified merchants or within particular postcode areas. Each card is assigned an individual payment reference (virtual IBAN) linked to secupay’s trust account. This ensures each payment from the employer is matched to the correct card. No payment account is maintained for the benefit recipient.

ProcureCards

Company Cards for Purchasing and Expenses

ProcureCards let businesses pay for small purchases, travel expenses, online shopping, or additional short-notice spending using debit cards with individual controls.

You can control, track, and account for expenses without staff paying out of their own pockets, avoiding the administrative work of reimbursing them.

SocialCard

Digital Payments for Social Benefits

Local authorities and public bodies can pay benefits through a Visa debit card and control what the funds are used for.

Each card is assigned an individual payment reference (virtual IBAN) linked to secupay’s trust account. This ensures each payment from the benefits authority is matched to the correct card. No payment account is maintained for the benefit recipient.

Get in Touch

Which Card Programme Suits You?

Whether you need a SocialCard, an employee benefit card, a ProcureCard, or a custom debit card programme, we’ll show you how to use physical and digital cards securely, control their use, and scale your programme.