Card Programs

Take your program from code to card

Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.

Start building Documentation

Step 1

Authorization

Step 2

Funds disbursement

Step 3

Settlement

Your card program, designed to your needs

Successful card programs require close coordination across a program manager, processor, card network and issuing bank.

Own your program

From card design to customized benefits, you build for your customer profile.

Built for scale

Unlike managed programs, we are built for scale and flexibility.

Create a book transfer

curl 'https://api.column.com/transfers/book' \
     -XPOST \
     -u :<YOUR API KEY> \
      -d amount="10000" \
      -d currency_code=USD \
      -d sender_bank_account_id="<bank_account_id>" \
      -d receiver_bank_account_id="<bank_account_id>"

Compliance at your pace

Our compliance team is optimized for teams who ship. We will meet your pace and requirements, not the other way around.

Own your economics

You own 100% of interchange. Control your unit economics, and build your business at scale.

The developer-first card program

We are developers at our core. From settlement to clearing you control the process from our dashboard or API.

Direct integration

Integrate directly to the source. Without middleware providers you have full flexibility and ownership.

Speed of execution

Our relationships across the card ecosystem, from networks to processors, enable you to ship on your timeline.

A program for developers

We are engineers and operators at our core, unlike legacy banks we move at your speed.

Clear a book transfer

curl 'https://api.column.com/transfers/book/<book_transfer_id>/clear' \
    -u :<YOUR API KEY> \
    -d amount="15000" \
    -d currency_code=USD

We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers’ growth.

Henrique DubugrasCo-Founder and Co-CEO, Brex

Infrastructure products built for developers in the lightest format possible

[**ACH**
Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.

Learn more](/content/ach/index.html) [**Wire**
Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.

Learn more](/content/wire/index.html) [**Book Transfers**
When you own both accounts at Column, transfers are real-time every second of the day.

Learn more](/content/book-transfers/index.html) [**Ledger**
Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.

Learn more](/content/ledger/index.html) [**Bank Accounts**
Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.

Learn more](/content/bank-accounts/index.html) [**Card Programs**
Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.

Learn more](/content/card-programs/index.html) [**Checks**
Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.

Learn more](/content/checks/index.html) [**Realtime**
New real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.

Learn more](/content/realtime/index.html) [**International Wires**
Direct access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.

Learn more](/content/international-wires/index.html)

Lending products for companies to scale lending programs faster and cheaper

[**Loan Origination**
Build a modern national lending program in partnership with Column.

Learn more](/content/loan-origination/index.html) [**Debt Financing**
Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.

Learn more](/content/debt-financing/index.html) [**Loan Purchase**
Programmatically sell the loans you originate to Column.

Learn more](/content/loan-purchase/index.html)

Start building today

Build your own products, on your terms, without layers in between.

[**Documentation**
Explore our APIs](https://docs.column.com/)

[**Get started**
Quickly get up to speed](https://docs.column.com/guides/getting-started)

[**Contact sales**
Come and say hello](https://dashboard.column.com/contact)