Virtual Card API Example: Card API v2 Draft Preview

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19 Jul 2026

Status: draft preview. The requests below show how Gpaynow Card API v2 is planned to work. Card API v2 is in early access: no card issuer is connected yet, and API keys, a test environment and webhooks are not available yet, so these calls will not run today. No payment is taken until your access is approved.

In short: with the planned Card API v2 you would check your key, create a cardholder, pick a card product and issue a card with an amount, using JSON over HTTPS and a Bearer key. The full draft reference is in the developer docs.

Before you start

When Card API v2 opens, approved businesses will get a test key and a live key. Until then, you can read the draft docs and join the waitlist. All examples use the draft base URL:

https://gpaynow.net/api/v2

Step 1: Check your key (planned)

curl https://gpaynow.net/api/v2/ping \
  -H "Authorization: Bearer gpn_test_xxx"

Send your key as a Bearer token on every request. Keep secret keys on your server, never in front-end code.

Step 2: Create a cardholder (planned)

curl https://gpaynow.net/api/v2/cardholders \
  -H "Authorization: Bearer gpn_test_xxx" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: cardholder-001" \
  -d '{
    "first_name": "Jane",
    "last_name": "Doe",
    "email": "jane@example.com",
    "external_id": "user_001"
  }'

Every cardholder will need identity checks (KYC) before a live card is issued.

Step 3: Pick a card product (planned)

curl https://gpaynow.net/api/v2/products \
  -H "Authorization: Bearer gpn_test_xxx"

Products describe the card network and type available to your program.

Step 4: Issue a card with an amount (planned)

curl https://gpaynow.net/api/v2/cards \
  -H "Authorization: Bearer gpn_test_xxx" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: card-001" \
  -d '{ "cardholder_id": "ch_example", "product_id": "prd_example", "amount": 50.00 }'

The Idempotency-Key header is planned so a retried request does not create a second card.

What else is planned?

Funding cards from a USD balance topped up with stablecoins such as USDT or USDC.
Daily, monthly and per-purchase limits, plus freeze, unfreeze and close.
Signed webhook events when a card is issued, funded, used or declined.

These features may change before launch. Planned pricing is on the Card API page.

Need a card now?

If you need one card for your own payments, you do not need an API. Buy a prepaid virtual card in the Gpaynow store with crypto; there is no KYC to buy.