Issue once
Control everywhere

Issuing, controls and authorization
Every transaction evaluated before it clears

Read the API

~/montis/cards/authorize.live.ts

montis live

controls at the swipe

Six primitives. One swipe

From the moment a card is issued to the moment it clears — every step composable, every rule live

Issuance

Virtual and physical cards. Minted from the ledger, ready to spend in seconds

Spend controls

Per-card limits, MCC, geo, velocity. Change rules live without re-issuing

Wallet provisioning

Mobile and push wallets. Provision tokens with full lifecycle control

Disputes

Chargeback evidence packaged, network claims tracked through resolution

Settlement

Daily clearing batched, fees reconciled, all posted to ledger

Live authorization

Every swipe decided in 50ms. Approve, decline or step-up — your rules
Network-grade with a full audit trail

tokens · wallets · apis

One card. Every surface

Cards don't stop at issuance. Tokens spread across wallets, merchants, and subscriptions. Manage provisioning, suspension, and replacement from one platform.

Wallets

12▲ +2

Active tokens

186K▲ +8.4%

Rotation

<60s

provisioning · 2 ago

card_4F8A91 → Mobile Pay

wallets3subscriptions3marketplaces2in-app1

in the system

Cards authorize here
So does every other module

→ confirmed in 187ms
}
  "status":      "POSTED"
  "fx_rate":     1.0843,
  "to":          "acc_external_8821",
  "from":        "acc_montis_eur",
  "currency":    "EUR",
  "amount":      14250.00,
  "id":          "txn_8K2vQp",
{
POST /v1/ledger/transactions
// ledger.entries.append

The foundation of your product

Accounts, ledger and transactions, built as one system

Open Core

Controls in front, not after

KYC, screening and monitoring everything that moves

Open Compliance

Proof across the stack

Statements, exports and a full audit trail from the same ledger

Open Reporting

Conversion as a primitive

Live rates, real-time conversion

Open FX

Every rail, one ledger

SEPA, SEPA Inst, SWIFT and domestic rails

Open Payments

built for developers

Issue a card in three lines of code

REST APIs, typed SDKs, idempotent requests, and signed webhooks for every event in the card lifecycle.

Typed SDKsGenerated from the API schema.
Idempotent requestsSafe retries without duplicate issuance.
Signed webhooksEvery lifecycle event delivered reliably.
Sandbox by defaultThe same integration from test to production.

~/montis/examples/issue-card.ts

live

import { Montis } from "@montis/sdk";
 
const montis = new Montis({ key: process.env.MONTIS_KEY });
 
const card = await montis.cards.create({
  cardholder: "cust_8F2A"·
  type: "virtual"·
  currency: "GBP"·
  controls: {
    spend_limit: { amount: 1000, period: "month" },
    mcc_allow: ["5814", "5411"],
  },
});
// card.id → "card_4F8A91" · status → "active"

awaiting

// response from POST /v1/cards

Get started

Issue your first card today
The same API powers every card after that

From a single virtual card to a million-card program, same API, same ledger, same week. Authorise, control, settle in one system.