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Union54

Card issuing API for virtual and physical debit cards

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Union54 is an API platform for issuing virtual and physical debit cards without a sponsor bank or third-party processor. It combines BIN sponsorship, authorization, processing and settlement in a single API, allowing companies to issue cards to customers, employees, stakeholders or other users. The platform supports card design and packaging under the issuer's own brand, with card production handled by Union54.

The platform provides clean RESTful endpoints, webhooks, a sandbox environment, and card controls including spend limits and team permissions. It supports both Union54-provided store-of-value authorization and self-managed authorization. Use cases include ledger-based cards, acquirer and gateway settlement, buy now pay later, credit unions, delivery companies, digital banking, credit cards and corporate cards. Additional currencies are listed as coming soon. The platform is positioned for developer teams, with documentation intended to support integration from sandbox to production.

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