> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.thepennyinc.com/issuing/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.thepennyinc.com/_mcp/server. # Issuing ## Docs - [Cards & Cardholders](https://docs.thepennyinc.com/issuing/cards-and-cardholders.md): Who holds a card, what it's issued from, and how it can be used. - [Issuing a Card](https://docs.thepennyinc.com/issuing/issuing-a-card.md): From cardholder to a spendable virtual card, end to end. ## API Docs - API Reference > Cards [Get a card](https://docs.thepennyinc.com/issuing/api-reference/cards/get.md) - API Reference > Cards [Terminate a card](https://docs.thepennyinc.com/issuing/api-reference/cards/terminate.md) - API Reference > Cards [Update a card](https://docs.thepennyinc.com/issuing/api-reference/cards/update.md) - API Reference > Cards [List cards](https://docs.thepennyinc.com/issuing/api-reference/cards/list.md) - API Reference > Cards [Get card history](https://docs.thepennyinc.com/issuing/api-reference/cards/get-history.md) - API Reference > Cards [Activate a card](https://docs.thepennyinc.com/issuing/api-reference/cards/activate.md) - API Reference > Cards [Deactivate a card](https://docs.thepennyinc.com/issuing/api-reference/cards/deactivate.md) - API Reference > Cards [Reveal card payment details](https://docs.thepennyinc.com/issuing/api-reference/cards/reveal-payment-details.md) - API Reference > Cards [Get card art](https://docs.thepennyinc.com/issuing/api-reference/cards/get-art.md) - API Reference > Cards > Virtual [Create a virtual card](https://docs.thepennyinc.com/issuing/api-reference/cards/virtual/create.md) - API Reference > Cards > Spend Control [Assign a spend control to a card](https://docs.thepennyinc.com/issuing/api-reference/cards/spend-control/assign.md) - API Reference > Cards > Spend Control [Remove a card's spend control](https://docs.thepennyinc.com/issuing/api-reference/cards/spend-control/remove.md) - API Reference > Cards > Ledger [List card ledger entries](https://docs.thepennyinc.com/issuing/api-reference/cards/ledger/list.md) - API Reference > Cards > Transactions [List card transactions](https://docs.thepennyinc.com/issuing/api-reference/cards/transactions/list.md) - API Reference > Cardholders [Get a cardholder](https://docs.thepennyinc.com/issuing/api-reference/cardholders/get.md) - API Reference > Cardholders [Terminate a cardholder](https://docs.thepennyinc.com/issuing/api-reference/cardholders/terminate.md) - API Reference > Cardholders [Update a cardholder](https://docs.thepennyinc.com/issuing/api-reference/cardholders/update.md) - API Reference > Cardholders [List cardholders](https://docs.thepennyinc.com/issuing/api-reference/cardholders/list.md) - API Reference > Cardholders [Get cardholder history](https://docs.thepennyinc.com/issuing/api-reference/cardholders/get-history.md) - API Reference > Cardholders [Activate a cardholder](https://docs.thepennyinc.com/issuing/api-reference/cardholders/activate.md) - API Reference > Cardholders [Deactivate a cardholder](https://docs.thepennyinc.com/issuing/api-reference/cardholders/deactivate.md) - API Reference > Cardholders > Individual [Create an individual cardholder](https://docs.thepennyinc.com/issuing/api-reference/cardholders/individual/create.md) - API Reference > Cardholders > Corporate [Create a corporate cardholder](https://docs.thepennyinc.com/issuing/api-reference/cardholders/corporate/create.md) - API Reference > Cardholders > Spend Control [Assign a spend control to a cardholder](https://docs.thepennyinc.com/issuing/api-reference/cardholders/spend-control/assign.md) - API Reference > Cardholders > Spend Control [Remove a cardholder's spend control](https://docs.thepennyinc.com/issuing/api-reference/cardholders/spend-control/remove.md) - API Reference > Cardholders > Ledger [List cardholder ledger entries](https://docs.thepennyinc.com/issuing/api-reference/cardholders/ledger/list.md) - API Reference > Cardholders > Transactions [List cardholder transactions](https://docs.thepennyinc.com/issuing/api-reference/cardholders/transactions/list.md) - API Reference > Products & BINs [Get a card product](https://docs.thepennyinc.com/issuing/api-reference/products-bi-ns/get.md) - API Reference > Products & BINs [List card products](https://docs.thepennyinc.com/issuing/api-reference/products-bi-ns/list.md) - API Reference > Products & BINs > Bins [Get a card product's BIN](https://docs.thepennyinc.com/issuing/api-reference/products-bi-ns/bins/get.md) - API Reference > Products & BINs > Bins [List a BIN's ranges on a card product](https://docs.thepennyinc.com/issuing/api-reference/products-bi-ns/bins/list-ranges.md) - API Reference > Products & BINs > Bins [Get a card product's BIN range](https://docs.thepennyinc.com/issuing/api-reference/products-bi-ns/bins/get-range.md) ## OpenAPI Specification The raw OpenAPI 3.1 specification for this API is available at: - [OpenAPI JSON](https://docs.thepennyinc.com/openapi.json) - [OpenAPI YAML](https://docs.thepennyinc.com/openapi.yaml) > **Note:** This page contains both a page directory (above) and the landing page content (below). The page directory is generated for agent use and does not appear on the landing page. > For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.thepennyinc.com/issuing/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.thepennyinc.com/_mcp/server. # Issuing Penny Issuing lets you create cardholders and issue virtual cards that draw funds from a Penny Banking Capital Account. Every card is issued from a card product, belongs to a cardholder, and can carry its own spend control. Start with [Cards & Cardholders](/issuing/cards-and-cardholders) for how the pieces relate, then [Issuing a Card](/issuing/issuing-a-card) for a full walkthrough.