Business Cards and Payments
Offer your clients virtual cards for instant use, better eCommerce security, and more control over the spending

Virtual cards for instant access to funds
and enhanced security

Secured, unsecured, chargeback, customizable rewards, and commercial cards

Mobile remote deposit capture and payment support

ACH and funds transfer

Fraud, risk management, and transaction monitoring

Comprehensive, real-time reporting capabilities
In today's fast-paced world, small businesses are seeking quick
access to funds,
instant and secure electronic
transfers,
and expense management on-the-go
Loquat goes above and beyond your typical debit and credit card offering by providing business-tailored virtual credit cards that offer best-in-class security, ultimate convenience, and complete control over spending





Enhanced security and fraud protection
- Unique card details: Each virtual card has a unique card number, expiration date, and security code to keep the primary account secure in case the physical card is compromised
- Limited exposure: Virtual cards allow for secure online transactions by protecting the client's credit card information from potential fraud and breaches
Control over spending
- Customizable spending limits: Your business clients can set up specific spending limits and expiration dates for each card, merchant, and user
- One time use or merchant specific cards: Virtual cards can be designated for one time use or for a specific merchant
Convenience
- Instant issuance: Available for immediate use without having to wait for arrival in the mail
- Easy management: Cards can be easily managed in the banking app, allowing your clients to create, freeze, unfreeze, and delete cards as needed
- Employee cards available
- Support for all major processing networks (Mastercard, Visa, Amex, etc.)

The power of Loquat at your employees’ fingertips
- Real-time data visibility
- Configurable workflows for increased transparency, visibility, and governance
- Built-in case management system for AML / fraud / OFAC
- Client management for assigning tasks and applications to employees
- Data-driven analytics and reporting for client insights and operational efficiencies, sales, and marketing opportunities
- All data is stored in the client's database for maximum security
payments solution Request a Demo

Any Questions?
our FAQs
Loquat seamlessly integrates with your financial institution’s existing core systems and digital banking platforms to enable instant virtual debit card issuance at the moment of account opening. Our platform also supports real-time tokenization, allowing you to provision cards to Apple Pay, Google Pay, and other wallets immediately—driving instant engagement and top-of-wallet status from day one.
It’s considered best practice to issue a debit card at the time of account opening to increase activation rates and client stickiness. With Loquat, your clients can start transacting within minutes, while your financial institution benefits from enhanced interchange revenue, higher product adoption, and improved digital engagement.
Our cards are purpose-built for business use, offering flexible controls, role-based permissions, and robust security features—far beyond the limitations of traditional consumer card programs.
In addition to instant debit card issuance, Loquat enables your financial institution to offer credit card pre-qualification during account onboarding—helping you identify eligible clients early in the relationship. With no impact to credit scores, clients can view tailored credit offers within minutes, boosting engagement, deepening wallet share, and accelerating product adoption from day one.
Virtual cards are issued instantly upon account opening, allowing your consumer and business clients to begin using them immediately for transactions without waiting for physical cards to arrive.
Yes! While virtual cards provide immediate access to funds, companion physical cards can also be issued to businesses that prefer having a tangible payment option.
Each virtual card has unique card details (card number, expiration date, and security code), which keeps the primary account secure if a card is compromised. This limited exposure model protects clients’ credit card information from potential fraud and data breaches during online transactions.
Yes, virtual cards can be designated for use with specific merchants only, adding an additional layer of security and control over business spending.
Yes, Loquat’s platform allows for the creation of one-time-use virtual cards, which are ideal for single purchases where enhanced security is desired.
By offering Loquat’s virtual card solution, you can enhance your competitive position in the consumer and business markets with an innovative, secure, and convenient payment option that meets the evolving needs of your clients. This can help attract new consumer and business clients and strengthen relationships with existing ones.