Issuer processing · Card & payment processing worldwide

A tap in Tokyo 🇯🇵
A card from London 🇬🇧
Approved in 48ms.

Rigid is the issuer-processor behind your card programme: card issuing and tokenization, authorization, Fraud AI, a real-time multicurrency ledger and KYC on one platform, certified for card and payment processing worldwide. One API, every Visa and Mastercard region.

Book a demoStart in sandbox

PCI DSS L1
SOC 2 TYPE II
ISO 27001
99.999% SLA

Live activitystreaming

✓Tap in Tokyo 🇯🇵 · UK cardapproved · Asia Pacific · 34ms

✕Cloned card blockedFraud AI 0.91 · declined in 14ms

IDKYC passed in Tokyo 🇯🇵document + liveness + PEP · flow v11 · 2.8s

⇄FX GBP→SGD · Tokyo 🇯🇵@ 1.0000 · applied at authorization

London 🇬🇧 · 41msSingapore 🇸🇬 · 52msNew York 🇺🇸 · 46msNairobi 🇰🇪 · 63ms

Built forNeobanks & consumer fintechsBIN sponsors & programme managersBanks & EMIs with a coreCrypto card programmes & protocolsExpense management & B2B spendMarketplaces & platformsTravel & OTAsAI agent buildersCredit & BNPL programmesFounders without a licence yet

THE PLATFORM

One platform.
The whole issuing stack.

Everything a card programme needs, built as one system: issuing and authorization, fraud, ledger, verification and programme control. No vendor patchwork. No reconciliation gaps. No waiting on a processor's roadmap.

Fraud AI

Adaptive models score every authorization in-line and stop card testing, cloning and account takeover in 18ms, without slowing good traffic.

risk 0.03 · approve→

Real-time ledger

Double-entry, append-only, balanced the moment an authorization clears. Holds, captures and reversals are entries you can query to the cent.

dr · cr · variance 0.00→

KYC, KYB & onboarding

Document, chip, liveness, face match, sanctions and PEP screening for people, KYB for businesses: one engine, configured per programme as a flow and wired straight into card issuance.

kyc · kyb · pep · flow v14→

Transaction timeline

Every authorization, clearing, hold and ledger entry on one timeline per card and per programme, with the decision trace behind each one.

trace · filter · export→

Programme management

Run many card programmes from one console and one API. New card product, new market, new rules: configuration, never a reissuing project.

prog_A ⇄ prog_B · 0 reissued→

Organisations, roles & SSO

Organisations keep teams and programmes apart, with SAML and OIDC SSO, passkeys, scoped roles and a tamper-evident audit trail.

sso · passkeys · audit→

Multicurrency by default

Issue, hold and settle in 150+ currencies. Cross-currency authorizations get FX applied at decision time, and settlement runs in the currencies you choose, fiat or stablecoin.

150+ ccy · fx at auth · multicurrency settlement→

Gateway mode

Keep the ledger and the decision in your own core. Rigid runs the network side and asks your endpoint for the answer, signed, inside the authorization window.

your decision · signed · in budget→

BUILT FOR WHAT COMES NEXT

Stablecoins, agents and disposable cards are not add-ons. They are the platform.

STABLECOIN-NATIVE

The first stablecoin-native issuer-processor

Fund a programme in USDC, USDT or EURC, authorize against a live wallet balance and settle Visa and Mastercard in stablecoins, seven days a week.

Crypto card programmes→

AGENTIC COMMERCE

Cards for AI agents, under a mandate

Give every agent its own virtual card inside a signed, revocable envelope of merchants, budgets and dates, enforced at authorization.

AI agent payments→

DISPOSABLE VIRTUAL CARDS

A card for the purchase, not the wallet

Single-use, merchant-locked and time-boxed cards issued in 240ms and tokenized to Apple Pay and Google Pay, with the controls in the same call.

Every use case→

CARD ISSUING ADVISORY

From first plan to first card

BIN sponsorship, principal membership, EMI licences, vIBAN partners and scheme certification, from the people who run the processor.

Talk to an advisor→

HOW IT WORKS

From tap to balanced books
in under 100ms.

Card is tapped

POS, e-commerce or ATM, anywhere in the world. The network routes the authorization to Rigid.

Controls and velocity

Card state, spend controls, velocity limits and funding are checked in one pass. 76ms P99, end to end.

Fraud AI decides in-line

Every authorization is scored in 18ms. Approve, decline, refer for review or step up to 3-D Secure.

Ledger and webhook

The double entry posts, balances update and a signed webhook reaches your systems. Same transaction, no batch.

FOR DEVELOPERS

Sandbox in minutes.
Production in weeks.

One REST API for cards, controls, ledger and KYC, with an OpenAPI reference generated from the same contract the platform runs on. Test mode runs the real authorization pipeline: same decisioning, same ledger, same webhooks.

Read the docs Get sandbox access

issue-card.shcurl

curl -X POST https://api.rigid.fi/v1/cards \
  -H "Authorization: Bearer $RIGID_API_TOKEN" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{
    "card_product_id": "cp_corporate_eur",
    "cardholder_id": "ch_8k2m"
  }'
// → 201 Created · virtual card, ledger account opened

POST /v1/simulated-spends✓ 202 · decided in 61ms · test mode

76ms

Global P99 authorization

18ms

Fraud AI decision, in-line

99.999%

Uptime SLA

5 + 5

Visa and Mastercard regions, all live

WHO BUILDS ON IT

Who builds on Rigid, and what they get.

The same platform, used differently by different teams. Each card names the segment, the outcome, and the products that carry it.

Neobanks & consumer fintechs

A branded card in weeks, with onboarding your compliance team runs

Virtual cards tokenized to Apple Pay and Google Pay on day one, KYC flows configured per programme, Fraud AI on every tap, and disposable cards for subscriptions and privacy.

BIN sponsors & programme managers

Many client programmes, one console, one API

Each programme is a native object with its own rules, ledger and flows. Launch a new card product or a new market as configuration, and see every programme's books in one trial balance.

Banks & EMIs with a core

Keep your ledger and your decision, replace the network side

Gateway mode asks your endpoint for every authorization and posts instructions back to your books. Stand-in processing keeps cards working inside limits you declare when your core is unreachable.

Crypto card programmes & protocols

Fund in stablecoins, spend anywhere, settle on-chain

Just-in-time funding from a wallet or protocol balance, one FX conversion at authorization, on-chain and card in one ledger, and USDC or EURC settlement seven days a week.

Expense management & B2B spend

A card per vendor, per employee, per invoice

Virtual cards locked to a supplier, capped at the contract, expiring with the project, with KYB on the customer and a ledger that already knows what each charge was for.

Marketplaces & platforms

Instant payouts and buyer-of-record cards, embedded in your product

Pay gig workers, claimants and sellers onto virtual cards pushed to their wallets, buy from third-party merchants with a per-order single-use card, and offer cards to your own customers under your brand.

Travel & OTAs

One virtual card per booking, in the merchant's currency

Time-boxed, MCC-limited cards for every hotel and flight, FX applied once at authorization across 150+ currencies, and fraud scoring tuned to travel's spiky, cross-border traffic.

AI agent builders

Cards your agents can spend but never widen

Every agent gets its own virtual card under a signed, revocable mandate: merchant locks, budgets that fail closed, expiry, and a decision trace for every purchase the agent makes or is stopped from making.

Credit & BNPL programmes

Credit and prepaid on the same rails, with SCA handled

Debit, prepaid and credit account ranges on Visa and Mastercard, 3-D Secure with exemptions applied per market, and Fraud AI that sees the whole programme, not one card at a time.

Founders without a licence yet

From first plan to first card, sponsor and licence included

BIN sponsorship, issuing relationships in any jurisdiction, principal membership when you are ready, EMI or PI licensing and vIBAN partners, from the people who run the processor.

PRICING

Simple, per-active-user pricing.

Full pricing→

Launch

Free in sandbox

The full platform on simulated rails, with unlimited test cards. Go live when you are ready.

Start building

ScaleMost popular

$1 / active user / mo

Everything included: Fraud AI, ledger, KYC, 3-D Secure and every Visa and Mastercard region. One price at any scale.

See what's included

Enterprise

Custom

Dedicated infrastructure, custom SLAs and a managed migration off your current processor.

Talk to sales

SECURITY & COMPLIANCE

Bank-grade by default.
Audited continuously.

Visit the trust center→

Encryption at rest and in flight, HSM-backed key management, EU data residency and a compliance programme your auditors can read from this site.

PCI DSS

Level 1

SOC 2

Type II

ISO 27001

Certified

GDPR

Compliant

SAML / OIDC

SSO + passkeys