Digital issuing

Meet modern and mobile-centric consumers' expectations with real-time services.

Enterprise
Financial services
Digital payment solutions

Revolutionise your card programmes with real-time digital issuance services, giving your cardholders the ability to create and manage their payment wallet from your app.

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Boost immediate card spend

Enable transactions within seconds of creating a virtual card. Whether it's for a new account, or to replace a lost or stolen card, your users can spend without waiting for a physical card.
Unlock innovative card programmes

Open the door to new card programmes and launch innovative services – such as single-use virtual cards for e-commerce, user-defined PINs and numberless physical cards – in only a few months.
Enjoy top-of-wallet status

Make your cards the fastest, easiest choice for everyday transactions by offering advanced services to support secure online shopping and convenient transactions in-store.
Cut issuing costs

Reduce the load on call centres and move towards paperless issuance with real-time activation of virtual and physical cards and access to PIN via a mobile app.

Unparalleled issuing flexibility

Our digital issuance services offer consumers the ability to receive, activate and manage their cards directly from their mobile devices.

Designed specifically to help banks transition to real-time services within just a few months, D1 APIs and SDK enables issuers to boost revenue by enhancing card activation rates and increasing transactions.

Cardholders expect a seamless issuance experience tailored to their needs - not the other way around. They want the ability to make payments within seconds of account creation using virtual cards, shop securely online with disposable virtual cards and manage their PINs effortlessly for maximum convenience.

To meet these expectations and speed up the go-to-market process, issuers need to ensure their issuing stacks can provide the following:

Issue virtual cards without overhauling your legacy infrastructure and CMS. Our Instant Card Creation service generates a PAN and enables payment authorisation. Once the virtual card is created, you can set up card parameters with our Transaction Control service, tokenize the card or securely display the card credentials.

Give your cardholders the D1 easy-to-use PIN Management service. Users can activate their card and define, display, or change their PIN at any time, reducing operational costs and minimising transaction abandonment rates. Make your card the top choice for card-present transactions, providing both security and convenience for everyday use.

Visit our Physical Issuance D1 services

Financial Services – See all digital and physical payment solutions

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Market insights

76.9%

of global transactions will come from virtual cards in 2028*

70%

of professionals are disappointed by the lack of virtual card during a new account onboarding process

43%

of physical credit cards are not activated**

Explore our modular modern card platform

Private Label Issuers

EMV modern card issuance on both physical and digital channels

Enterprise
Financial services
Digital payment solutions

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Tokenization

Secure payment transactions on all devices and for all use-cases for all your cardholders

Enterprise
Financial services
Digital payment solutions

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Revolutionising physical card issuance

Physical cards with Thales Physical Card Issuance

Enterprise
Financial services
Digital payment solutions

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Transaction control

Give cardholders more control while protecting every transaction.

Enterprise
Financial services
Digital payment solutions

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Enhancing mobility for millions

Thales D1 platform for Automated Fare Collection Systems

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Financial services
Digital payment solutions

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Transforming mobility for public and private sectors

Enabling sustainable travel with digital ticketing, MaaS and flexible payments.

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Financial services
Digital payment solutions

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Thales for Domestic Payment Schemes

Enhance your domestic payment scheme with secure, modular payment solutions

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Financial services
Digital payment solutions

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Thales for payment card issuers and banks

Revolutionise payment with our comprehensive solutions

Enterprise
Financial services
Digital payment solutions

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Sustainable payment solutions and services

Together towards more responsible payments

Enterprise
Financial services
Digital payment solutions

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Financial Services

_{*Source: Global Virtual Cards Market 2023-2028 Data Forecasting, Juniper}
_{*Source: https://www.capgemini.com/wp-content/uploads/2025/03/WRBR_Final_25_weblock-version-1.pdf}
_{**Source: https://emiboston.com/10-considerations-to-boost-credit-card-activation-rates/}

Frequently Asked Questions

A virtual card only exists in the issuer's mobile app with its own PAN, security code and expiration date for online transactions. It can be added to a digital wallet for in-store and online use. Its power lies in rapid issuance and credential security. If an account has both virtual and physical cards, and the physical card is lost and blocked, the cardholder can still make payments with the virtual card.

Virtual cards can be used as a:

Primary card, for accounts without a physical card
Backup card, paired with a physical card to enable payments when the physical card is stolen or lost
Disposable card, generated for a single transaction or with a limited lifespan, expiring after use or a set time limit
Recurrent card, where multiple unique virtual cards are created for specific purposes (travel, subscriptions, etc).

Augment revenue by never losing a transaction when a physical card is being issued, lost or stolen
Save costs by issuing only virtual cards for inactive accounts
Increase security with separate PANs for physical and dynamic features
Launch innovative card programmes, such as disposable virtual cards for single transactions or limited lifespans