Prepaid & Digital

Funds Disbursement 

We facilitate the creation and management of prepaid cards for disbursements, incentives, promotions, and expense management. With our end-to-end services and top-rated customer support, launching and managing your card program is a breeze.

Webinar

Hear directly from these top executives and discover how they navigate the complexity of disbursements.  George Siter, Senior Vice President, at Mastercard discusses the value of the Usio and Mastercard partnership. 

Image Usio Prepaid Card for your organization
Payment Disbursements

Effortlessly distribute corporate incentives, rewards, and rebates to customers, employees, or anyone else. Whether you need physical or virtual cards, they can be generated in bulk and made readily available or delivered directly to the recipient

Expense Management

Boost your team’s productivity and satisfaction by simplifying expense reimbursements for employees and general office expenditures through efficient financing, management, and monitoring of organizational expenses.

The Ultimate Prepaid Card Platform

Usio helps businesses, nonprofits, and government organizations create and manage prepaid cards with Akimbo, offering cutting-edge, ready-to-use prepaid card solutions for distributing prepaid, incentive, promotional, and business expense cards.

Card Issuance with Usio

With 11 years of experience, we have mastered the art of providing an unparalleled experience to our customers.

With end-to-end service, Usio is dedicated to ensuring the success of your prepaid card solutions.

Easily launch and manage your card program by utilizing established relationship with hundreds of banks.

Create the exact application you need, with ease, with API integration built in every programming language.

Guarantee continuous satisfaction of you and your customers with round-the-clock English and Spanish support.

Additional Payment Resources

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prepaid cards - Usio Credit cards photo
What is BIN Sponsorship and Why Do You Need It?

Frequently Asked Questions

Usio’s card issuing platform brings together sponsor banks, compliance, APIs, and program controls. These FAQs give a quick overview of how card issuing works and what businesses can expect when building a card program with Usio.

Usio’s card issuing programs are sponsored by Sunrise Banks N.A., Member FDIC, under a license from Mastercard International.

Compliance with PCI DSS, KYC/AML, OFAC screening, and Mastercard network rules is mandatory.

BIN sponsorship requires adherence to Mastercard regulations and applicable state laws.

BIN sponsorship allows your program to issue cards using a bank’s licensed Bank Identification Number.

Businesses cannot directly issue cards without a sponsor bank unless they become a licensed financial institution.

Settlement flows through the sponsor bank (Sunrise Banks).

Funds move from the cardholder’s account to the merchant via the network, then settle to your program account.

Timing depends on network clearing cycles and bank agreements.

Card Design & Branding: Custom logos, colors, and co-branding options for physical and virtual cards.

Messaging: Personalized cardholder communications and program terms.

Program Features: Configurable spend controls, transaction limits, and cardholder permissions.

  • RESTful APIs for:
    • Card Creation & Activation
    • Balance Inquiry & Transaction History
    • Cardholder Management (KYC, status updates)
    • Funding & Settlement
  • Webhooks for real-time event notifications (e.g., card activation, transaction alerts).
  • Sandbox environment for testing integrations.
  • All branding must comply with Mastercard guidelines and sponsor bank requirements.
  • Co-branded programs require approval from the network and the sponsor bank.
  • Digital wallet branding (Apple Pay, Google Pay) follows strict tokenization and artwork standards.
  • Yes. Certain MCCs are prohibited by Mastercard and sponsor banks (e.g., gambling, crypto, adult content).
  • MCC restrictions are enforced at the network level and can be configured in your program rules.
  • Businesses should review restricted MCC lists during program setup.
  • Daily transaction reports, settlement files, and exception reports.
  • Real-time dashboards for card status, balances, and transaction history.
  • Integration with accounting systems via APIs or SFTP.
  • Disputes follow Mastercard rules.
  • Evidence must be provided within specified timeframes.
  • Chargeback liability depends on program setup and fraud controls.
  • Collect and verify identity documents per FinCEN guidelines.
  • Use automated KYC tools for speed and compliance.
  • Maintain audit trails for all onboarding activities.

Ensure your platform supports high-volume issuance and real-time authorization.

Consider API-first architecture for integration with ERP and CRM systems.

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