Cards

Card issuing is coming soon to Infinite! This page provides a preview of our upcoming card functionality.

Overview

Infinite Cards will allow you to issue virtual cards to your customers, enabling them to spend their balances anywhere cards are accepted. These cards will be directly funded from their Virtual Wallet accounts.

Key Features (Coming Soon)

Virtual Card Issuing

Instantly create virtual cards via API
Cards are ready to use immediately upon creation
Full PAN, CVV, and expiration date provided securely

Integrated Funding

Cards draw funds directly from Virtual Wallet accounts
Real-time balance checks ensure transactions never overdraft
Seamless integration with your existing account infrastructure

Spending Controls

Set per-authorization limits
Configure daily, weekly, or monthly spending caps
Enable/disable cards instantly via API

Real-time Authorization

Receive webhooks for every authorization attempt
Approve or decline transactions programmatically
Full transaction history and reporting

How It Will Work

Create a Card: Issue a virtual card linked to a customer’s Virtual Wallet
Set Limits: Configure spending controls appropriate for the use case
Process Transactions: Cards can be used anywhere, with real-time authorization
Track Activity: Monitor all card activity through webhooks and API endpoints

Balance and Funding Model

Cards will be seamlessly integrated with your existing Virtual Wallet infrastructure:

Fund Management

Single Funding Source: Each card draws from a designated Virtual Wallet account
Real-time Balance: Card spending power equals the available balance in the linked Virtual Wallet
Fund Earmarking: Authorized transactions place a hold on funds until captured or voided

Enhanced Account Balance Structure

When cards launch, Virtual Wallet accounts will include:

{
  "id": "vwa_abc123",
  "balance": 100000,        // Total funds in cents
  "earmarkedBalance": 1500, // Funds held for pending authorizations
  "availableBalance": 98500 // balance - earmarkedBalance
}

Transaction Lifecycle

Understanding how card transactions flow through the system:

1. Authorization

When a merchant swipes the card:

System checks the Virtual Wallet’s available balance
If sufficient, funds are earmarked (not yet moved)
Authorization is approved or declined in real-time
Webhook: card.authorization.created

2. Capture

When the merchant finalizes the transaction:

A Transfer is created from the Virtual Wallet
Earmarked funds are released and balance is deducted
Transaction is recorded in the account history
Webhook: card.authorization.captured

3. Void/Expiration

If a transaction is cancelled or expires:

Earmarked funds are released back to available balance
No Transfer is created
Authorization status updates to voided/expired
Webhook: card.authorization.voided

API Preview

Here’s a preview of the upcoming card endpoints:

Create a Card

import requests

response = requests.post(
    'https://api.infinite.dev/v1/cards',
    headers={
        'Authorization': 'Bearer sk_live_...',
        'Content-Type': 'application/json',
    },
    json={
        'customerId': 'cus_abc123',
        'fundingAccountId': 'vwa_abc123',
        'type': 'VIRTUAL',
        'spendingLimits': [
            {
                'amount': 50000,
                'interval': 'PER_AUTHORIZATION',
            },
            {
                'amount': 500000,
                'interval': 'DAILY',
            },
        ],
    },
)

const response = await fetch('https://api.infinite.dev/v1/cards', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer sk_live_...',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    customerId: 'cus_abc123',
    fundingAccountId: 'vwa_abc123',
    type: 'VIRTUAL',
    spendingLimits: [
      {
        amount: 50000,
        interval: 'PER_AUTHORIZATION',
      },
      {
        amount: 500000,
        interval: 'DAILY',
      },
    ],
  }),
});

export INFINITE_API_KEY=sk_live_...
infinite api POST /v1/cards --body '{
  "customerId": "cus_abc123",
  "fundingAccountId": "vwa_abc123",
  "type": "VIRTUAL",
  "spendingLimits": [
    {
      "amount": 50000,
      "interval": "PER_AUTHORIZATION"
    },
    {
      "amount": 500000,
      "interval": "DAILY"
    }
  ]
}'

Create a virtual card for cus_abc123 funded from vwa_abc123, with a $500 per-authorization limit and a $5,000 daily limit.

# Preview — card endpoints are not live yet.

curl -X POST "https://api.infinite.dev/v1/cards" \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": "cus_abc123",
    "fundingAccountId": "vwa_abc123",
    "type": "VIRTUAL",
    "spendingLimits": [
      {
        "amount": 50000,
        "interval": "PER_AUTHORIZATION"
      },
      {
        "amount": 500000,
        "interval": "DAILY"
      }
    ]
  }'

{
  "id": "crd_123abc",
  "object": "card",
  "customerId": "cus_abc123",
  "fundingAccountId": "vwa_abc123",
  "type": "VIRTUAL",
  "status": "ACTIVE",
  "last4": "1234",
  "expirationMonth": 12,
  "expirationYear": 2028,
  "spendingLimits": [...],
  "createdAt": "2026-11-03T10:00:00Z"
}

Update Card Status or Limits

import requests

response = requests.patch(
    'https://api.infinite.dev/v1/cards/crd_123abc',
    headers={
        'Authorization': 'Bearer sk_live_...',
        'Content-Type': 'application/json',
    },
    json={
        'status': 'INACTIVE',
        'spendingLimits': [
            {
                'amount': 10000,
                'interval': 'PER_AUTHORIZATION',
            },
        ],
    },
)

const response = await fetch('https://api.infinite.dev/v1/cards/crd_123abc', {
  method: 'PATCH',
  headers: {
    Authorization: 'Bearer sk_live_...',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    status: 'INACTIVE',
    spendingLimits: [
      {
        amount: 10000,
        interval: 'PER_AUTHORIZATION',
      },
    ],
  }),
});

export INFINITE_API_KEY=sk_live_...
infinite api PATCH /v1/cards/crd_123abc --body '{
  "status": "INACTIVE",
  "spendingLimits": [
    {
      "amount": 10000,
      "interval": "PER_AUTHORIZATION"
    }
  ]
}'

Deactivate card crd_123abc and lower its per-authorization limit to $100.

# Preview — card endpoints are not live yet.

curl -X PATCH "https://api.infinite.dev/v1/cards/crd_123abc" \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "status": "INACTIVE",
    "spendingLimits": [
      {
        "amount": 10000,
        "interval": "PER_AUTHORIZATION"
      }
    ]
  }'

Authorization Webhook Example

When a transaction is authorized, you’ll receive:

{
  "id": "evt_123abc",
  "type": "card.authorization.created",
  "data": {
    "id": "auth_123abc",
    "cardId": "crd_123abc",
    "amount": 1500,
    "currency": "USD",
    "status": "APPROVED",
    "merchantData": {
      "name": "Infinite Coffee",
      "mcc": "5812",
      "city": "San Francisco",
      "country": "US"
    },
    "createdAt": "2026-11-03T10:05:00Z"
  }
}

Use Cases

Corporate Expense Management: Issue cards to employees with preset spending limits
Platform Payouts: Enable instant access to earnings through virtual cards
Subscription Management: Create single-use or recurring payment cards
Travel and Entertainment: Issue cards with merchant category restrictions

Check back soon for updates on our card issuing capabilities!

Get started

Core Concepts

Guides

Cards (Coming Soon)

Cards

Overview

Key Features (Coming Soon)

Virtual Card Issuing

Integrated Funding

Spending Controls

Real-time Authorization

How It Will Work

Balance and Funding Model

Fund Management

Enhanced Account Balance Structure

Transaction Lifecycle

1. Authorization

2. Capture

3. Void/Expiration

API Preview

Create a Card

Update Card Status or Limits

Authorization Webhook Example

Use Cases

​Cards

​Overview

​Key Features (Coming Soon)

​Virtual Card Issuing

​Integrated Funding

​Spending Controls

​Real-time Authorization

​How It Will Work

​Balance and Funding Model

​Fund Management

​Enhanced Account Balance Structure

​Transaction Lifecycle

​1. Authorization

​2. Capture

​3. Void/Expiration

​API Preview

​Create a Card

​Update Card Status or Limits

​Authorization Webhook Example

​Use Cases

Cards

Overview

Key Features (Coming Soon)

Virtual Card Issuing

Integrated Funding

Spending Controls

Real-time Authorization

How It Will Work

Balance and Funding Model

Fund Management

Enhanced Account Balance Structure

Transaction Lifecycle

1. Authorization

2. Capture

3. Void/Expiration

API Preview

Create a Card

Update Card Status or Limits

Authorization Webhook Example

Use Cases