Open Fabric gives you a complete toolkit to tokenize accounts, orchestrate payments, and control spend — online and offline, anywhere in the world.
Tokenize your customer's balance — wallet, BNPL, bank account — into payment instruments accepted at millions of touch points on Visa and Mastercard networks.
Enable NFC Tap and Pay directly within your own app. Your customers hold their phone to any contactless terminal and pay instantly — no physical card required. Open Fabric provides a lightweight SDK that handles the secure element, tokenization, and transaction flow.
Issue virtual cards on-demand so your customers can shop online — domestically and cross-border — anywhere card payments are accepted. Cards come with full 3D Secure support for secure authentication during checkout.
Push-provision tokenized accounts into Apple Pay, Google Pay, and Samsung Pay. Your customers get the familiar wallet experience while spending from the balance you manage. Our SDK handles the provisioning flow across all three ecosystems.
Issue purpose-scoped payment tokens for AI agents to transact on behalf of your customers. Agentic Tokens work like any other token type but are designed for autonomous use — pair them with Spend Controls to define precise boundaries.
Connect your payment method to the online world — let merchants accept you at checkout, or bring the shopping experience directly into your own app.
Merchants and gateways integrate once with Open Fabric. At checkout, the customer is redirected to your approval flow. Once approved, we hand back a one-time payment credential on existing card rails.
Let your customers discover and shop from merchants directly within your app. Open Fabric handles the assisted shopping experience and processes payment via your payment method — no redirect to the merchant site required.
Because transactions run on card rails, there's no need for a custom settlement or reconciliation flow. Merchants and gateways process payments just like any other card transaction.
Add new merchants and gateways without heavy backend changes. Open Fabric provides partner management APIs and servicing capabilities including refund notifications.
Take full control over how tokens are used. Our Spend Controls engine lets you define policy-based rulesets evaluated in real time during every authorization — scoped to all accounts, specific accounts, token types, or individual tokens.
Cap per-transaction amounts, set daily/weekly/monthly velocity limits by count or total amount. Layer multiple rules for fine-grained control over spending behavior.
Restrict transactions by merchant category code (MCC), merchant ID, country, or currency. Allow or block specific merchant segments or geographies as needed.
Allow or block transactions during specific time periods. Combine with other rules to create comprehensive policies for corporate cards, employee spending, or agentic commerce boundaries.
Set a default policy across all accounts, override it for specific accounts, or drill down to individual token types and tokens. Upgrade or downgrade limits dynamically as customer tiers change.
Our developer portal has everything you need — API references, SDKs, and step-by-step guides.