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Use cases: Payment providers & B2B cross-border

Cards on the balances you already settle

Let merchants and business clients spend their settled balance with cards in your brand, for suppliers, expenses and travel, without paying out to a bank first.

Plan a pilot with us Explore the API

Settlement shouldn't end the relationship

Payment providers and B2B payment platforms collect and convert money for merchants and businesses, then settle it to a bank account. From there the client pays suppliers, team expenses and software with someone else's card, and the balance leaves your platform.

Moon lets you run your own Visa card program on those balances, in your brand and through one API. Issue virtual cards for each client, team or supplier, physical cards where your program enables them, and fund them from your prepaid balance as settlement lands, or approve each purchase against the client's balance in your own ledger with real-time authorization.

Each card carries your client and entity IDs, so every purchase maps back to the right merchant, subsidiary or cost center. Webhooks report each one as it happens, and daily reconciliation files tie card spend to the settlements that funded it.

How the money moves

  1. Card issued to the merchantmerchant_5120 · operating card
  2. Settlement loads the cardOct 31 · $18,400.00
  3. Merchant pays a supplierPackaging supplier · $2,950.00
See the API call
curl --request POST \
     --url https://api.themooncard.com/v1/api-gateway/card/8f1c611d-098d-4f61-b106-f7b6d344b1ae \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-api-key: YOUR_API_KEY' \
     --data '{
        "external_id": "merchant_5120",
        "amount": 18400.00,
        "metadata": { "settlement": "stl_2026_10_31" }
      }'

What your card program can do

  1. 01

    Spend settlement without a payout

    Load a merchant's card as settlement lands, so they pay suppliers and bills from it the same day instead of waiting for a bank payout.

  2. 02

    Supplier payments by virtual card

    Issue a single-use virtual card for each supplier invoice, for the exact amount, and close it once the invoice is paid.

  3. 03

    Expense cards for client teams

    Let business clients hand employees cards with their own limits and merchant categories, all drawing on the company's balance with you.

  4. 04

    A balance per entity or market

    Give each subsidiary or market its own child organization and balance, and issue its cards against it, so each entity's spend stays separate.

  5. 05

    Software, ads and travel

    Put recurring software, ad and travel spend on dedicated virtual cards, so a lost card or a cancelled subscription never touches the rest.

  6. 06

    Perks at major brands

    Pass on discounts of up to 10% at major brands on supplies, travel and team rewards, paid from the same balance.

Why payment providers and B2B platforms build on Moon

  • Balances stay on your platform

    Clients spend where their money already is. With real-time authorization enabled for your program, each purchase is approved against their balance in your own ledger.

  • A card program in your brand

    Clients get cards in your brand inside your product. You set cardholder fees and card pricing, and they can be zero.

  • Built for many clients

    Child organizations, per-card limits and merchant-category controls let you run cards for many businesses from one integration, each with its own balance.

  • Answers for ops and finance

    Webhooks report every load, purchase and decline with its reason. Card and load requests accept an idempotency key, and daily reconciliation files tie card spend to each settlement.

How it works

  1. Connect

    Integrate the Moon API, or start with our team on a pilot.

  2. Issue

    Create cards and send payouts from your own product.

  3. Control

    Set limits per card and see every transaction.

Questions

Do our clients need a new account?
No. Cards sit on the balance they already hold with you. Your system creates and funds cards by API, and clients manage them inside your product.
How are cards funded?
From your prepaid balance with Moon, which you fund by bank transfer, as settlement lands. Or, with real-time authorization enabled for your program, approve each purchase against the client's balance in your own ledger.
Can clients pay suppliers abroad with a card?
Yes, anywhere Visa is accepted, online or in person, including suppliers that take cards for invoices.
Can we run cards for many clients from one integration?
Yes. Give each client its own child organization and balance, issue its cards against it, and set limits per card or per cardholder, all through the same API.
Where can we launch, and which licenses do we need?
Card programs can launch in the US, Latin America and Southeast Asia. Tell us where your merchants and business clients are based, and we'll confirm what fits before you build. Cards are issued by Moon's partner financial institutions under their licenses, so you don't need a card-issuing license of your own; you keep the payment or e-money licenses your own services need.
Can we start with a few clients?
Yes. Start with a few business clients, see how they use cards on their balances, then offer them to the rest. Before any real money moves, the Sandbox runs the same endpoints as production with its own keys: issue client cards, load a settlement, and simulate purchases, refunds and reversals.

Turn settlement into spend.

Tell us how you settle merchants and business clients today, and we'll set up a sandbox for your team.

Book an intro call Read the API reference

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