API-First Infrastructure

Issue, Control, and Scale Payment Cards via API

Spin up virtual or physical payment cards in milliseconds — no banking partnership required. Build expense management, B2B payouts, or embedded finance products on infrastructure that scales with you.

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Trusted by 500+ engineering teams worldwide

1curl -X POST 
2  "https://api.ljtnic.io/v1/cards" 
3  -H "Authorization: Bearer $LJTNIC_KEY" 
4  -H "Content-Type: application/json" 
5  -d '{
6    "type": "virtual",
7    "currency": "USD",
8    "spend_limit": 5000,
9    "cardholder_id": "ch_9f2a3d7e",
10    "metadata": {
11      "label": "Marketing Q1"
12    }
13  }'
200 OK|38ms
ljtnic API v1
⚡Cards issued in <50ms
🌍150+ countries
🔒PCI DSS Level 1
$4B+in card transactions processed annually
<100msAPI response time
99.99{7f30172431d18f471316ad05eae0d267fc047b949746a30c0754a2d115fc14e8}platform uptime SLA
SOC 2 & PCIType II & DSS Level 1 certified
Core Capabilities

Everything your card program needs, none of what it doesn't.

ljtnic exposes the full card-issuing stack through clean, well-documented APIs — so your team ships, iterates, and scales without touching legacy infrastructure.

Virtual Card Issuance

Provision virtual cards in milliseconds via a single API call, with granular spend controls that apply at the moment of authorization. Real-time webhook events keep your system in sync with every transaction decision.

Explore in Product

Physical Card Programs

Launch branded physical card programs backed by established BIN sponsorship, professional embossing, and a global fulfilment network that ships to over 50 countries. From prototype to production without the bank negotiations.

Explore in Product

API Key & Permissions Management

Issue scoped API keys with environment separation — sandbox and production credentials never overlap. Every key action is captured in an immutable audit log so your security and compliance teams have full visibility.

Explore in Product

All capabilities available on every plan — no feature gating.

Quick Start

Live in three steps.
No gatekeepers.

From zero to issuing cards in under 10 minutes. Every integration follows the same consistent pattern — authenticate, issue, observe.

01
Step 1

Generate Your API Key

Create a sandbox key from the dashboard in seconds — no approval queue, no waiting. Start building immediately with full API access.

bash
curl -X POST https://api.ljtnic.io/v1/keys   -H "Authorization: Bearer $LJTNIC_TOKEN"   -d '{"env": "sandbox", "label": "my-first-key"}'
02
Step 2

Issue Your First Card

A single POST request returns a full card object — PAN, CVV, expiry, and spend controls — instantly provisioned and ready to use.

json
POST /v1/cards{  "type": "virtual",  "currency": "USD",  "spending_limit": 5000}→ { "pan": "4111 •••• •••• 7291",    "cvv": "***",    "status": "active" }
03
Step 3

Authorize & Monitor

Real-time webhooks push spend events, authorizations, and declines directly to your endpoint — sub-100ms delivery, every transaction.

json
POST https://your-endpoint.io/hooks{  "event": "card.authorization",  "amount": 42.00,  "currency": "USD",  "merchant": "Stripe Inc.",  "status": "approved"}
Explore full API docsSee pricing
Developer Experience

Build and ship in hours,
not weeks.

ljtnic is designed from the ground up for engineering teams. Every surface — from authentication to webhooks — follows the same predictable conventions so you spend time building product, not reading docs.

RequestPOST /v1/cards
1const ljtnic = require('@ljtnic/node');
2 
3const client = new ljtnic.Client({
4  apiKey: process.env.LJTNIC_API_KEY,
5});
6 
7const card = await client.cards.create({
8  cardholder_id: 'ch_01HXKZ3M9PQRST7UV',
9  currency: 'USD',
10  type: 'virtual',
11  spending_controls: {
12    allowed_categories: ['5411', '5812'],
13    spending_limits: [{
14      amount: 50000,
15      interval: 'monthly',
16    }],
17  },
18});
19 
20console.log(card.id); // crd_01HXKZ8N2ABCDE9FG
Response200 OK
1{
2  "id": "crd_01HXKZ8N2ABCDE9FG",
3  "object": "card",
4  "status": "active",
5  "type": "virtual",
6  "last4": "4242",
7  "exp_month": 12,
8  "exp_year": 2027,
9  "currency": "USD",
10  "cardholder_id": "ch_01HXKZ3M9PQRST7UV",
11  "created": 1714320000,
12  "spending_controls": {
13    "allowed_categories": ["5411","5812"],
14    "spending_limits": [{
15      "amount": 50000,
16      "interval": "monthly"
17    }]
18  }
19}

Typed SDKs for every stack

First-class libraries for Node.js, Python, Go, Ruby, and Java — full TypeScript typings and docstrings included.

OpenAPI 3.0 specification

Machine-readable spec ships with every API version. Generate your own client, import into Postman, or auto-produce docs.

Sandbox with test card numbers

Isolated environment mirrors production exactly. Use predefined test PANs to simulate approvals, declines, and fraud scenarios.

Webhooks with retry logic

Receive real-time events for every card lifecycle state change. Automatic exponential back-off retries over 72 hours, with delivery receipts.

Versioned API with long-term support

Every API version is supported for a minimum of 24 months. Breaking changes are never silent — migration guides ship on day one.

Security & Compliance

Enterprise-grade security, built into every API call.

View Trust & Security docs

PCI DSS Level 1

Highest certification tier

SOC 2 Type II

Annual independent audit

GDPR Ready

EU data residency options

Network Tokenisation

Visa & Mastercard certified

End-to-End Encryption

All cardholder data is encrypted in transit with TLS 1.3 and at rest using AES-256. Sensitive values are never exposed in plaintext — not in logs, not in responses.

API Key Rotation Policies

Set automatic expiry windows and enforce zero-downtime key rotation via the dashboard or API. Revoke compromised keys instantly with a single call — no service interruption.

IP Allowlisting

Restrict API access to a defined list of trusted IP ranges. Every request outside your allowlist is rejected at the perimeter — before it reaches your data.

ljtnic undergoes annual third-party penetration testing and continuous automated vulnerability scanning across all infrastructure.

Full security overview on Product page
No credit card required

Start free, scale seamlessly

Get instant access to a full sandbox environment with unlimited test card issuance — no commitments needed. When you're ready to go live, switch to pay-as-you-go pricing that scales with your issuance volume.

See Full Pricing
No credit card required to start — sandbox access is always free
FreeSandbox environmentUnlimited test cards
0{7f30172431d18f471316ad05eae0d267fc047b949746a30c0754a2d115fc14e8}Platform feePay only for live issuance
InstantActivationAPI keys in seconds
ljtnic

Card issuing infrastructure built for developers — launch virtual and physical cards via a single API.

[email protected]+1 415 000 1234
548 Market St, San Francisco, CA 94104

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