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Preview
Reloadable cards
Issued in seconds
Issue a reloadable card. Top it up automatically.
Issue a reloadable card — on Visa or Mastercard — for any ongoing program: contractor pay, expense budgets, allowances, benefits, or AI-agent spend. Keep it funded with automatic reload rules, put precise spending limits around it, and let recipients spend anywhere Visa and Mastercard are accepted.
No bank accountInstant loadVisa & Mastercard
Reloadable
••••
••••
••••
6041
Cardholder
JORDAN ELLIS
Valid thru
09/31
Load status
Issued
Reloadable cards — auto-reload built in
Reloadable cards
Reloadable cards for every program
Issue reloadable cards on Visa and Mastercard in seconds — for any recurring program, from contractor pay and expense budgets to allowances, benefits, and AI agents — each with automatic reload rules and precise spending limits. No bank account required.
Instant issuing
Issue a reloadable card in seconds — virtual or physical, on Visa or Mastercard — each tied to its own balance with spend limits, merchant rules, and an instant freeze. No bank account required.
Card issuing
Preview
Virtual
VISA
4071
22••
••••
4280
Olivia Bennett
12/27
Creating…
Issued today 1,860
Load & reload anytime
Top up the moment you issue, then keep it funded automatically. Set reload rules by threshold or schedule, or add funds on demand — recipients never hit an empty card.
Balance & top-ups
Preview
Card balance
$2,450
Auto-reload at $100 → top up to $2,500
- + $500 loadManual
- + $1,200 reloadScheduled
- + $250 auto-reloadRule
Spend anywhere cards are accepted
Your reloadable card works online and in person at millions of merchants across 30+ countries, with balances in multiple currencies. Reveal full card details securely through a PCI-compliant view.
Where it's accepted
Preview
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Amazon · RetailChecking…
Apple · OnlineChecking…
Uber · TransportChecking…
Airbnb · TravelChecking…
Spotify · SaaSChecking…
Approved today84,260
Visa & Mastercard · 190+
Spend controls
Spend controls that actually control spend
Set per-transaction, daily, and monthly caps, define merchant rules, and apply velocity limits to stop runaway charges. Prefer plain language? Card policy chat lets you set a card's spending policy in a sentence, and the platform turns it into enforced rules.
Spend control · preview
Policy: $5,000 / txn · merchant rules
- •••• 4242 Figma · SaaS $48 Checking…
- •••• 8810 AWS · Cloud $2,400 Checking…
- •••• 5521 Unlisted MCC · Gaming $900 Checking…
- •••• 3390 LinkedIn · Ads $3,200 Checking…
- •••• 7106 Wire request · Vendor $7,500 Checking…
- •••• 2034 Adobe · SaaS $660 Checking…
Benefits
Balances that take care of themselves
Cards refill from their own balance automatically with card top-up and auto-refill, and card balance reconciliation keeps each card accurate against the issuer. Card auto-fixes correct card-data issues automatically, and card transaction sync shows settled vs pending so nothing is a mystery.
Auto-refill that reduces avoidable declines
Cards refill from their own balance automatically with card top-up and auto-refill, so authorizations clear without anyone topping up by hand.
Balances reconciled to the issuer
Card balance reconciliation keeps each card's balance accurate against the issuer, so the numbers in your dashboard always tie out.
Reloadable cards · preview
Today
Cards loaded today3,206
VirtualContractor · USD$2,400Queued
PhysicalRefund · Mastercard · BR$180Queued
VirtualReward · US$50Queued
PhysicalProject · EUR$960Queued
VirtualPayout · Visa® · PH$420Queued
Loaded to cards$4,612,000
Reloadable cards at a glance
Reloadable cards, everywhere you pay
30+countries to issue reloadable cards
190+countries where Visa & Mastercard are accepted
40+currencies to load & hold
2form factors — virtual & physical
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+31 more
Settled vs pending, in sync
Card transaction sync pulls every transaction and shows settled versus pending, so a card's activity is never a mystery.
Card data fixed automatically
Card auto-fixes correct card-data issues automatically, keeping every card clean, accurate, and ready to spend without manual cleanup.
Card management
Every card, under control
See every reloadable card you've issued, set and adjust limits, and watch authorizations clear or get blocked by policy in real time — all from one dashboard.
Card controls · preview
Active cards 2,418
PayoutsVISA
•••• 4242
Marketing · Maya
$5k / moSaaS + Ads
PayoutsVISA
•••• 8810
Engineering · Sam
$10k / moCloud
Payouts
•••• 3390
Travel · Lena
$3k / moMerchant lock
Payouts
•••• 2034
Growth · Noah
$8k / moAds only
Live authorization
Figma
SaaS
$48
→ •••• 4242 · Marketing
Checking…
FAQ
Frequently asked questions
Everything you need to know about reloadable cards on Payouts — how they work, how fast you can issue and load, spend controls, and where they're accepted.
Still have questions?
What is a reloadable card?
A reloadable card keeps the same credentials while you add funds again and again — manually, on a schedule, or with automatic reload rules. It works anywhere Visa and Mastercard are accepted, with no bank account or credit check required.
How do auto-reload rules work?
Set a balance threshold and a top-up amount: when a card drops below the trigger, Payouts reloads it automatically. You can also schedule recurring loads or top up any card on demand.
Can I set spending limits on a reloadable card?
Yes. Set per-transaction, daily, and monthly limits, merchant rules, and velocity limits on every card, and freeze or adjust them at any time.
Where can reloadable cards be used?
Anywhere Visa and Mastercard are accepted — online and in person — across 30+ countries, with balances available in multiple currencies.
Issue a reloadable card in seconds.
Top up automatically.
Issue virtual and physical reloadable cards on Visa and Mastercard, keep them funded with automatic reload rules, and put precise spending limits on every card. Talk to our team about your card program.