Banking as a Service · Canadian Fintechs · Powered by Marqeta

Issue Mastercards.
Ship faster.

One REST API to issue virtual Mastercards, manage spending accounts, and process real-time transactions. No bank relationship required.

Start building free →See how it works
<2s
Authorization time
99.9%
Uptime SLA
CAD
Currency support
18
API endpoints
vaultten-quickstart.ts
// Register your first tenant
const res = await fetch('https://api.vaultten.com/v1/tenants/register', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
    company_name: 'Acme Fintech',
    email: 'cto@acme.io',
    password: 'securepass123'
  })
});

// Issue a virtual card
const card = await fetch('/v1/cards/issue', {
  method: 'POST',
  headers: { Authorization: 'Bearer vt_test_...' },
  body: JSON.stringify({ account_id, card_type: 'virtual' })
});
// → { card_id, last_four: "9220", expiry: "05/2029", status: "active" }

Everything you need to launch

From KYC to card issuance to transaction processing — fully handled.

💳

Virtual Cards

Issue Mastercard virtual cards to your users in milliseconds. Freeze, unfreeze, or cancel instantly via API.

🏦

Spending Accounts

CAD spending accounts with a double-entry ledger. Balance computed in real-time. No floats, ever.

⚡

Real-Time Auth

Authorization webhooks decided in under 2 seconds. Balance checked, ledger debited, result returned.

🔐

KYC Built-In

Submit, track, and approve customer identity verification. Auto-approved in sandbox for rapid testing.

🧪

Full Sandbox

Simulate purchases, refunds, declined transactions, and KYC outcomes — no real money, no real cards.

🔔

Webhook Delivery

Real-time events to your endpoint with HMAC-SHA256 signatures and automatic 5-attempt retry.

From zero to card in 15 minutes

The full integration path, step by step.

01

Register

Create your tenant account and get test + live API key pairs.

02

Onboard

Create a customer record and submit KYC. Auto-approved in sandbox.

03

Fund

Create a spending account and load funds instantly.

04

Issue

Issue a virtual Mastercard. Freeze, unfreeze, or cancel at any time.

05

Transact

Simulate purchases in sandbox or process real authorizations in live mode.

Ready to build?

Sandbox is free. Start issuing test cards in under 15 minutes.

Create free account →