How it works

A purchasing workflow your finance team can audit.

CardV turns digital goods procurement into four controlled steps. Each one leaves a record you can reconcile.

Northwind Rewards Ltd.
LoyaltyFintechE-commerce
Submit application

1. Apply and get verified

Submit your company, contact and business details through the Merchant Portal. Our team reviews every application before activation. Once approved, invite teammates with owner, manager or viewer roles.

  • One application per company
  • Role-based team access
  • Merchant ID issued on approval
USD wallet12,480.00
Crypto · confirmed automatically
Bank transfer · credited after review

2. Fund your USD wallet

Your account settles in USD. Crypto payments through QuantaPay are credited automatically on confirmation. Bank transfers are credited after our finance team verifies receipt.

  • Crypto: automatic confirmation
  • Bank transfer: verified manually
  • Receipts and statements for every top-up
Search the catalog
SteamEUR 20Qty 10
Google PlayINR 1,000Qty 10
Confirm at your price

3. Quote and order

Browse the catalog available to your account and see your price. When you order, the confirmed unit price travels with the order; if the price has changed, the order is rejected instead of charged at a different price.

  • Portal cart or signed API
  • Price confirmed per unit
  • Order reference prevents duplicates
Delivered
•••• •••• 7F3K•••• •••• Q2M8•••• •••• 9XLD
Export CSVWebhook sent

4. Receive, reconcile, repeat

Delivered codes appear in the order, encrypted at rest and visible only to permitted roles. Export them as CSV or retrieve them by API. Every debit, refund and top-up is a ledger entry on your statement.

  • CSV export and API retrieval
  • Signed webhooks for status changes
  • Refunds recorded as separate entries

When something goes wrong

Supplier outcome unclear

The order is held for human review. We check with the supplier before anything is bought again.

Item failed

Once the failure is final, the item is refunded to your wallet as its own ledger entry.

Price moved

An order whose confirmed price no longer matches is rejected before your wallet is charged.

FAQ

Questions teams ask before they start.

Who can open a CardV account?

Businesses that give, sell or embed digital value: loyalty and rewards programs, HR and incentive platforms, fintech and wallet apps, online stores and telecom services. Every application is reviewed before activation.

What can I offer through CardV?

Gift cards and game credits from 1,300+ brands, plus mobile top-ups, are available today. eSIM and bill payments are coming soon on the same account, wallet and API.

Where can I see prices?

After approval, in the Portal and through the quote API. Pricing is set per account, so we don't publish a public price list or promise a fixed discount.

How do I fund my account?

Your account holds a USD wallet. Fund it by crypto through QuantaPay, credited once the payment confirms, or by bank transfer, credited after verification.

How are products delivered?

Codes appear in the order in the Portal, as a CSV download, or through authenticated API order detail. Webhooks tell your system when an order's status changes.

Can we test before going live?

Yes. Approved merchants can use an isolated sandbox with its own keys, test credit and a limited catalog. Sandbox orders never touch real funds or suppliers.

What happens if an order fails?

Nothing is bought twice. Once the supplier's outcome is final, failed items are refunded to your wallet as a separate ledger entry you can see on your statement.

Bring digital value to your customers, teams and partners.

Open a business account. Our team reviews every application and helps you launch.