Issue virtual debit, credit, prepaid and gift cards in seconds, kept in a digital card wallet in your app and ready to pay online and contactless. Alongside them, one physical Universal card with no bank name, picked up at your branches, agents and retail touch points or ordered online, and activated in the app. The customer links any virtual Instacard to it, pays at any POS or ATM, and relinks whenever they choose: many virtual cards, one card in the wallet, seamless payments everywhere.
Unified Financial Operating System for Banks
Instantly Issued, Universally Accepted
A customer asks for a card in your app and pays with it seconds later: debit, credit, prepaid or gift.
Every card is tokenised, so only a token reference or a masked card number is ever exposed; the full card number and a fresh dynamic CVV appear only when the customer pays online; in store, customers pay with the Universal card and its PIN.
Daily limits for online, POS and ATM use, and block, unblock or cancel, all in the customer’s hands.
When a physical card is needed, one sealed Universal card carries whichever Instacard the customer links, and the customer can relink it any time.
Your teams set card programmes, BINs, card faces and fees on the Partner portal, with maker-checker and a UNIFOS portal PIN signature on every change.
Virtual Cards in Seconds, One Universal Card to Carry Them
Issue virtual Instacards in a digital card wallet: debit, credit, prepaid and gift
Secure online payments from virtual Instacards using a dynamic CVV
In-store payments through the Universal card
Universal card: pay with any virtual Instacard linked to a single physical card
Card control settings: daily transaction limits, blocking and unblocking virtual Instacards
From Request to Wallet
Customer requests an Instacard in the app
Prepaid Card
Credit Card
Debit Card
Customer is scored and sees the eligible credit limit
Customer selects the bank account for the debit card
Customer opens the digital card wallet for
Card Controls
Contactless Payment
Online Payment
Card issuing
Every Card Type, Issued in Seconds
No card vendor project and nothing to print. Your customers pick a card in the app and pay with it straight away.
Debit
On the account the customer already holds, ready to pay online at once.
Credit
Pre-approved limit shown before applying; interest-free grace from the first cycle.
Prepaid
Load any amount and spend only what is on the card.
Gift
Send a card to anyone, from the app.
Six Steps From Request to Payment
- 1
Choose the card. Debit, credit, prepaid or gift.
- 2
Pick the account. Any account the customer holds, on your core or BALANCE.
- 3
Confirm it is you. Your PIN, then the Verifyed code.
- 4
Accept the terms. Your programme’s terms and fees, in full.
- 5
Set a PIN. The card is in the wallet and active.
- 6
Pay. Online with a dynamic CVV, or in store through the Universal card.
No Fee Before the Card Exists
Debit
Right after issue, from the linked account.
Credit
On the statement, at the end of the cycle.
Prepaid and gift
From the first load. Never loaded, never charged.
Universal Card
Universal card
Profitable Card Issuing for Your Bank, One Physical Card for Your Customer
Your bank issues every card virtually, in seconds, and earns on each one from day one. Your customer carries the convenience of a single physical Universal card and links whichever virtual Instacard they want to pay with.
For your bank
- Every card type issued instantly, in your own design, earning from the first payment.
- More cards in use, so more payments and more card income run through your bank.
- Universal cards handed out at your branches and by your agents.
- Nothing to print or courier: the customer activates the card in the app.
For your customer
- One physical card in the wallet, for any virtual card.
- Any Instacard behind it: debit, credit, prepaid or gift.
- Relink to another Instacard any time, in the app.
- A new card the moment they need one.
Issuing and processing
Instant Issuance and Linking, Every Payment Processed at Scale
Virtual cards are issued in seconds and linked to the Universal card in a tap. Then the same platform authorises, screens, posts and settles every payment made on them, so issuing and transaction processing sit in one place, at scale.
20,000+
Transactions per second: the platform is built to scale to 20,000 TPS and beyond.
Real-time authorisation
Every card payment is authorised in real time against the card’s balance, limit and controls.
Card present and online
Card PIN at the POS and ATM; the Verifyed code and a dynamic CVV online.
Tokenised end to end
Card numbers live in the card vault; only a token reference or a masked number moves.
Checked before money moves
Sonar screens every payment for fraud and compliance as it is authorised.
Your core or BALANCE
Debit cards post to accounts on your own core through IMS; credit and prepaid run on BALANCE core banking.
Settled and reconciled
Card settlement and reconciliation run every day, on the Partner portal.
Partner portal
Your BINs, Your Card Faces, Your Rules
Your card team sets up every programme on the Partner portal and sees it live before it reaches a customer.
BIN ranges
The card number blocks your bank holds, with the card network, card type and currency of each, and how many card numbers are left to issue.
Programme set-up
Debit, credit, prepaid or gift, domestic or international, with fee plan and limits; for credit cards, the interest rate, interest-free period and statement cycle date.
Card face and logo
Upload your own design or pick a colour for the card face, and see it live before it goes out.
Maker-checker and portal PIN
A programme goes live only after a maker and a checker approve it, each signing with the UNIFOS portal PIN.
Lasting Value for Banks Across Africa
Across Africa, customers are moving to virtual cards issued in the app. Instacard issues every type in seconds: debit, credit, prepaid and gift.
Physical cards still matter for ATM and offline payments: one Universal card carries any virtual Instacard, so more everyday payments run through your bank.
Card income from day one: a new card spends at once, online, contactless or on the Universal card.
Explore Other Products
- BALANCE · Digital Banking
- Digital and business accounts
- Credit card and prepaid card accounts
- Loan accounts
- Reward points and redemption accounts
- ScanPay · Pay by QR
- Any merchant’s interoperable QR, any bank
- Static and dynamic QR codes
- Instacard, BALANCE account or another bank’s card
- Checkout on merchant sites
- Accepto · Merchant Acceptance
- SoftPOS for contactless payments
- POS terminals
- Payment links and online checkout
- Digital business accounts for settlement
- Ace · AI Credit Exchange
- Three-way underwriting with an AI Checker
- Loan and credit card origination
- Portfolio management
- Collections and repayments
- Fundu · Agency Banking
- Cash deposits and withdrawals
- Bills, airtime and data
- Universal card pick-up
- Verified agents only
- Verifyed · KYC & Soft Token
- KYC management
- Liveness detection and face match
- BVN, NIN and ID verification
- Business and address verification
- Soft token issuance for 2FA
- Rewa · Loyalty Management
- Customised reward programmes
- Reward points and redemption accounts
- Points, cashback and tiers
- Guida · In-App Assistant
- Understands requests in multiple languages
- Guides customers through every product
- Tickets for disputes, tracked to resolution
Frequently Asked Questions
Virtual debit, credit, prepaid and gift cards, issued instantly in your mobile app and saved in the customer’s digital card wallet. A physical Universal card links to any of them for POS and ATM use. Microfinance banks and fintechs run Instacard in their Standalone App; commercial banks add it to their existing app through the UNIFOS Super SDK.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.