Card payments without credit risk
Apply and issue funded Visa and Mastercard cards to users in Hong Kong S.a.r..
Credit Card API
in Hong Kong S.a.r.
Many sites ask for a “credit card” when any Visa or Mastercard will do. The Eisy card API lets businesses in Hong Kong S.a.r. issue Visa and Mastercard virtual USD cards that pay wherever those networks are accepted. They are not credit cards: each card is funded from your business wallet, so there is no credit line, no underwriting and no interest.
Credit lineNone
Credit checkNone
Card networksVisa · Mastercard
Visa and Mastercard USD cards for users in Hong Kong S.a.r., funded, not borrowed.
Apply for API accessCredit card or funded card in Hong Kong S.a.r.?
Eisy cards are not credit cards. Here is how they compare.
| Credit card | Eisy virtual card | |
|---|---|---|
| Spending power | A credit limit from a lender | What you load onto the card |
| Credit check | Usually | None (ID check only) |
| Interest and repayments | Yes | None |
| Accepted at | Visa and Mastercard merchants | Visa and Mastercard merchants, except where a credit card is specifically required |
Why businesses in Hong Kong S.a.r. build on Eisy
- •Many people and businesses in Hong Kong S.a.r. cannot get a credit card that works abroad; a funded Visa or Mastercard USD card is accepted on the same networks.
- •No credit checks, no underwriting and no repayments to collect: a card spends only what you load onto it.
- •Issue a card per user, per purchase or per subscription, and terminate it when it is no longer needed.
- •Every authorisation, settlement, decline and refund arrives as a signed webhook.
Where cards are used in Hong Kong S.a.r.
International services Eisy card users in Hong Kong S.a.r. pay for. Cards you issue through the API work on the same Visa and Mastercard networks.
HKD
Prices in Hong Kong S.a.r. are in Hong Kong dollar (HKD); cards issued through Eisy hold US dollars. Merchants that charge in USD are paid directly, and charges in HKD or another currency are converted to USD by the card network.
What you can build in Hong Kong S.a.r.
Products teams launch on the Eisy card API.
Paying sites that ask for a credit card
Free trials and subscriptions that need a card on file
Hotel, car hire and travel bookings
International SaaS, cloud and ad platforms
Cards for users without access to local credit
In-app cards for fintech and wallet products
Pricing
Set per business and shown in your merchant dashboard before every action you confirm. Want the consumer product instead? See virtual dollar cards in Hong Kong S.a.r..
Card creationPer card
Card fundingFlat fee or percentage
Termination and declinesPer event
Platform or monthly feeNone
Everything in the card API
Issue cards
Create Visa or Mastercard virtual USD cards for verified card holders and get the card details back securely.
card.issuedFund and withdraw
Top up a card from your business USD wallet, pull funds back when a card is no longer needed.
card.topup.completedTransaction webhooks
Authorisations, settlements, declines, reversals and refunds arrive as signed events with automatic retries.
card.transaction.settledControls
Freeze, unfreeze and terminate cards; balances return to your wallet on termination.
card.terminatedCard holders with KYC
Every card holder passes an ID and selfie check before a card can be issued to them.
card.verifiedKeys, signing and IP whitelists
Scoped API keys with a secret you can rotate or revoke, request signing, and an IP whitelist of your servers on every key.
More ways to issue cards in Hong Kong S.a.r.
Visa and Mastercard USD cards for users in Hong Kong S.a.r., funded, not borrowed.
Apply for API accessHow to go live with the card API in Hong Kong S.a.r.
From application to your first issued card: verify your business, fund your wallet, connect your webhook and start issuing.
1
Apply and verify your business
Create an Eisy account, apply for a merchant account and complete business verification (KYB). We review and email you when you are approved.
2
Get your keys and fund your wallet
Generate API keys, set your webhook URL and fund your business USD wallet. Invite admins and members to help manage cards.
3
Verify card holders and issue cards
Card holders pass an ID and selfie check, then you issue, fund, freeze or terminate cards and receive every event by webhook.
FAQs about cards instead of credit
1
Who can use the Eisy card API in Hong Kong S.a.r.?
Registered businesses in Hong Kong S.a.r. and elsewhere. You apply for a merchant (business) account, complete business verification (KYB), and your account is reviewed before API keys are issued.
2
Which card networks and currency are supported?
Visa and Mastercard virtual cards denominated in US dollars. Every card is funded from your business USD wallet.
3
Do card holders need to verify their identity?
Yes. Each card holder completes a quick ID and selfie check before cards can be issued to them. You can run this from your dashboard or through the API.
4
How do I know when a card is used?
Webhooks. You receive signed events when a card is issued, funded, authorised, settled, declined, reversed, refunded, blocked or terminated, with automatic retries if your endpoint is down.
5
What does it cost?
Pricing is set per business: a card creation fee, a funding fee (flat or percentage), and termination and decline fees. The fees for your account are shown in your merchant dashboard and before every action you confirm.
6
Are these real credit cards?
No. They are Visa and Mastercard virtual cards funded from your business USD wallet, not a credit line. They work at merchants that accept those networks, but there is no borrowing, interest or credit limit; each card spends only what is loaded onto it.
7
Will a merchant that asks for a credit card accept them?
Most merchants accept any Visa or Mastercard card. A few, such as some car hire or hotel deposits, insist on a credit card specifically, so try a small charge first.
8
Can the cards pay merchants that charge in HKD?
Yes. The cards hold US dollars, and when a merchant charges in Hong Kong dollar (HKD) or any other currency, Visa or Mastercard converts the amount to USD at the time of the transaction.