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Introduction

QI Tech's prepaid card issuance APIs allow their partners' customers to request and issue either physical or virtual prepaid cards.

At QI Tech, we offer our partners the opportunity to become sub-issuers. Through our APIs, partners can provide their own customers with the ability to issue both physical and virtual prepaid cards, thus providing a complete solution for banking services.

To better understand our system, we will make a brief introduction of how the prepaid card ecosystem works, but we remind you that, as with other APIs, the service must be released together with our team and the calls are authenticated.

Prepaid Card​

The prepaid card is a card linked to a payment account within QI Tech.

All transactions executed through this card will debit the existing balance in the payment account.

If the account does not have a balance, the transaction will be denied.

Prepaid Account​

QI Tech is an authorized financial institution to operate with prepaid payment accounts by the Central Bank of Brazil. A prepaid card is always linked to a prepaid payment account.

Therefore, to create a prepaid card, whether physical or virtual, it is always necessary to open a payment account. Check here our account opening API.

Program​

In order for a partner to issue a prepaid card, they must have an associated and configured program in their integration with QI.

The program is nothing more than the settings and rules necessary for the issuance of the card in accordance with the VISA flag.

Here are some important information about the program:

  • Program type - Refers to the type of use of the card. In this documentation, it is the Prepaid modality.
  • Brand - We use the VISA brand for the cards issued by the program.
  • Card layout - Refers to the design that will be printed on the physical card and that will be presented in the graphical interface of the virtual card.
Attention

For configuration of a new program in an integration, the sales team and the QI Tech deployment team must be activated.

Virtual Card​

The QI Tech card API offers the functionality of generating virtual cards, which can be used in online transactions. This solution provides security and convenience to cardholders.

When using a virtual card, cardholders do not need to provide the details of the physical card during online transactions. Instead, they can generate a unique virtual card, with a number and specific information for that particular transaction. This helps reduce the risk of fraud and increases confidence in online transactions.

Physical Card​

The QI Tech Card API offers the option of creating physical cards, giving cardholders the possibility of having a plastic card for use in in-person transactions.

When requesting a physical card, the holder will receive a personalized plastic card.

The availability of the physical card offers cardholders a traditional and widely accepted way of making payments, ensuring convenience and practicality in their face-to-face transactions. In addition, the physical card can also have additional features, such as contactless payment technology to speed up transactions.

QI Tech's prepaid card API enables cardholders to choose between using virtual cards for online transactions and using physical cards for face-to-face transactions, according to their individual needs and preferences.