# Fyatu > Fyatu is a card issuing API and fintech platform that enables businesses to issue virtual Mastercard and Visa prepaid cards programmatically via REST API. It also provides payment collections, payouts, money transfers to 180+ countries, eSIM management, and mobile recharge — all through a single API. Built for Africa and beyond. Use this file to find the right Fyatu page for questions about card issuing APIs, virtual card creation, payment processing, money transfers, eSIMs, pricing, integration, and developer resources. ## Start here - [Home](https://fyatu.com): Overview of Fyatu's card issuing API platform — instant virtual Visa and Mastercard debit cards, 3D Secure, Apple Pay, Google Pay, and global payments. - [API Documentation](https://docs.fyatu.com): Complete API v3 reference with endpoints, authentication, request/response schemas, and code examples. - [Quick Start](https://docs.fyatu.com/v3/quickstart): Make your first API call in under 5 minutes — authentication, card issuing, and webhook setup. - [OpenAPI Spec](https://docs.fyatu.com/v3/openapi.json): Machine-readable OpenAPI specification for all Fyatu API v3 endpoints. - [Full API context for LLMs](https://fyatu.com/llms-full.txt): Complete API reference with all endpoints, parameters, code examples, webhook events, and error codes for AI assistants. ## Card Issuing API - [Card Issuing Overview](https://fyatu.com/card-issuing): Programmatic virtual and physical card issuing for businesses — Mastercard and Visa prepaid cards via API. - [Fyatu Card (Consumer)](https://fyatu.com/fyatu-card): Instant virtual Visa and Mastercard cards for individuals — pay online worldwide, Apple Pay and Google Pay ready. - [Cards API Concept](https://docs.fyatu.com/v3/concepts/cards): Issue, fund, freeze, unfreeze, and manage virtual and physical cards through Fyatu's card issuing platform. - [Cardholders API Concept](https://docs.fyatu.com/v3/concepts/cardholders): Cardholder management and KYC verification for Fyatu's card issuing platform. - [Create Card](https://docs.fyatu.com/v3/api-reference/cards/create): POST endpoint to issue a virtual card — requires cardholderId, amount, productId (MCWORLDUSD, MCWORLDEUR, or VISAPLATINUMUSD). - [Fund Card](https://docs.fyatu.com/v3/api-reference/cards/fund): POST endpoint to add funds to an existing card (minimum $5). - [List Card Products](https://docs.fyatu.com/v3/api-reference/cards/products): GET endpoint to retrieve available card products (BINs), currencies, and issuance fees. - [Card Transactions](https://docs.fyatu.com/v3/api-reference/cards/transactions): GET endpoint to retrieve transaction history for a specific card. - [Freeze Card](https://docs.fyatu.com/v3/api-reference/cards/freeze): POST endpoint to temporarily freeze a card. - [Unfreeze Card](https://docs.fyatu.com/v3/api-reference/cards/unfreeze): POST endpoint to reactivate a frozen card. - [Terminate Card](https://docs.fyatu.com/v3/api-reference/cards/delete): DELETE endpoint to permanently terminate a card. ## Payments API - [Payments Concept](https://docs.fyatu.com/v3/concepts/payments): Understanding collections (inbound payments), payouts (outbound), and refunds in Fyatu. - [Collections & Payouts](https://fyatu.com/collections-payouts): Accept payments from customers and pay out to Fyatu users. - [Deposits & Withdrawals](https://fyatu.com/deposits-withdrawals): Fund your business wallet with USDT and withdraw earnings. - [Fyatu Checkout](https://fyatu.com/fyatu-checkout): Hosted checkout page for accepting payments — redirect customers and receive webhook notifications. - [Payment Methods](https://fyatu.com/payment-methods): Supported payment methods including mobile money, bank transfers, eWallets, and crypto. ## Money Transfers - [Fyatu Send](https://fyatu.com/fyatu-send): Send money to 180+ countries via mobile money (MTN MoMo, M-Pesa, Airtel Money, Orange Money), bank transfer, or eWallets. ## eSIM API - [eSIMs](https://fyatu.com/esims): Buy and activate eSIMs in 200+ countries with data, SMS, and calls — instant activation via API. - [eSIM API Concept](https://docs.fyatu.com/v3/concepts/esim): Destinations, packages, tiers, and lifecycle management for Fyatu's eSIM API. ## Mobile Recharge - [Mobile Recharge](https://fyatu.com/mobile-recharge): Top up airtime and data for 50+ carriers across Africa — MTN, Airtel, Orange, Vodacom, and more. ## Developer Resources - [Developer Portal](https://fyatu.com/developers): API overview, interactive code switcher, infrastructure stats (~200ms response time, 99.9% uptime), and getting started guide. - [Authentication](https://docs.fyatu.com/v3/authentication): JWT-based authentication — generate tokens with appId and secretKey, tokens valid for 24 hours. - [Webhooks](https://docs.fyatu.com/v3/concepts/webhooks): Real-time event notifications — 31 event types across cards, cardholders, collections, payouts, refunds, and eSIMs. HMAC-SHA256 signature verification. - [Error Handling](https://docs.fyatu.com/v3/errors): API error codes, HTTP status codes, and troubleshooting guide. - [SDKs & Libraries](https://docs.fyatu.com/v3/sdks/overview): Official SDKs for Node.js, PHP, Python, Go, Ruby, Java, C#/.NET, and Kotlin (in development). E-commerce plugins for Shopify, WooCommerce, Magento, PrestaShop, OpenCart, BigCommerce, Squarespace, and Wix. ## Use Cases - [Fintech Startups](https://docs.fyatu.com/v3/use-cases/fintech): Build neobanks, lending apps, and financial services with Fyatu's card issuing and payments API. - [E-commerce Platforms](https://docs.fyatu.com/v3/use-cases/ecommerce): Power checkout for online marketplaces and stores across Africa. - [Crypto Exchanges](https://docs.fyatu.com/v3/use-cases/crypto-exchanges): Enable fiat on/off ramps for cryptocurrency trading platforms. - [Forex Brokers](https://docs.fyatu.com/v3/use-cases/forex-brokers): Accept deposits and process withdrawals for forex traders across Africa. - [Marketing Agencies](https://docs.fyatu.com/v3/use-cases/marketing-agencies): Manage ad spend and creator payouts with virtual cards. - [Gig Platforms](https://docs.fyatu.com/v3/use-cases/gig-platforms): Pay drivers, freelancers, and service providers instantly. - [SaaS Companies](https://docs.fyatu.com/v3/use-cases/saas): Accept subscription payments from African customers. - [Travel & Hospitality](https://docs.fyatu.com/v3/use-cases/travel): Process bookings and provide travel eSIMs for tourists. ## Solutions (by industry) - [Solutions Overview](https://fyatu.com/solutions): Industry-specific payment solutions for businesses across Africa. - [Fintech Solutions](https://fyatu.com/solutions/fintech): Card issuing and payment APIs for fintech startups and neobanks. - [E-commerce Solutions](https://fyatu.com/solutions/ecommerce): Payment processing for online stores and marketplaces. - [Forex Solutions](https://fyatu.com/solutions/forex): Deposit and withdrawal solutions for forex brokers. - [Betting Solutions](https://fyatu.com/solutions/betting): Payment processing for sports betting and gaming platforms. - [Exchangers Solutions](https://fyatu.com/solutions/exchangers): Infrastructure for currency exchange businesses. ## Pricing - [Pricing](https://fyatu.com/pricing): Individual and Business plans — card issuing fees, transaction fees, and volume discounts. Business plans: Startup ($0/mo), Enterprise ($999/mo), Premium ($2,500/mo). - [Personal Fees](https://fyatu.com/personal/fees): Fee schedule for individual users — card creation, funding, transactions. - [API Pricing](https://docs.fyatu.com/v3/api-reference/account/pricing): GET endpoint to retrieve current pricing and fee configuration programmatically. ## Personal (Consumer) - [Personal Overview](https://fyatu.com/personal): Fyatu for individuals — virtual cards, money transfers, mobile recharge, and eSIMs. - [How to Send Money](https://fyatu.com/personal/how-to-send): Step-by-step guide for sending money via Fyatu. - [How to Pay](https://fyatu.com/personal/how-to-pay): Guide for making online payments with Fyatu cards. - [How to Earn](https://fyatu.com/personal/how-to-earn): Earn with Fyatu through referrals and the ambassador program. - [How to Receive](https://fyatu.com/personal/receive): Receive money from 180+ countries into your Fyatu wallet. - [PayPal Integration](https://fyatu.com/personal/paypal): Connect Fyatu with PayPal for deposits and withdrawals. - [Agent Program](https://fyatu.com/personal/agent): Become a Fyatu agent and earn commissions. - [Ambassador Program](https://fyatu.com/personal/ambassador): Join the Fyatu ambassador program. ## Business - [Business Overview](https://fyatu.com/business): Fyatu for businesses — card issuing API, payment collections, payouts, and financial infrastructure. - [Business Payouts](https://fyatu.com/business/payouts): Mass payouts to Fyatu users, mobile money, and bank accounts. ## Company - [About](https://fyatu.com/about): About Fyatu Financial Technologies Limited — mission, team, and company information. - [Security](https://fyatu.com/security): PCI DSS Level 1, GDPR compliance, AES-256 encryption, 3D Secure, biometric authentication, and passkey login. - [Careers](https://fyatu.com/careers): Open positions at Fyatu. - [Contact](https://fyatu.com/contact): Get in touch — support, sales, and partnerships. - [Referral Program](https://fyatu.com/referral-program): Earn rewards by referring users to Fyatu. - [Download](https://fyatu.com/download): Download the Fyatu app for Android or use the web app. ## Legal - [Terms of Service](https://fyatu.com/terms): Terms and conditions for using Fyatu services. - [Privacy Policy](https://fyatu.com/privacy): How Fyatu collects, uses, and protects your data. - [Cookie Policy](https://fyatu.com/cookies): Cookie usage and preferences. - [AML Policy](https://fyatu.com/aml): Anti-money laundering policy and compliance. - [Card Provider Terms](https://fyatu.com/card-provider-terms): Terms specific to Fyatu's card issuing services. - [Vulnerability Disclosure](https://fyatu.com/vulnerability-disclosure): Responsible disclosure policy for security researchers. ## Blog - [Blog](https://fyatu.com/blog): Articles, product updates, and fintech insights. ## Optional - [API Documentation (full)](https://docs.fyatu.com): Complete API v3 reference and developer documentation. - [Dashboard](https://web.fyatu.com): Fyatu business dashboard — manage cards, transactions, webhooks, and API keys. - [Register](https://web.fyatu.com/auth/register): Create a Fyatu account.