One API. Every Financial Primitive You Need.
pehtwand's unified platform consolidates card issuance, deposit accounts, lending, and compliance into a single integration layer — so you ship financial products in days, not quarters.
POST /v1/cards/issueAuthorization: Bearer pk_live_••••••••••••••••Content-Type: application/json{"account_id": "acct_9fK2mXpL8nRqWv","card_type": "virtual","currency": "USD","spending_controls": {"allowed_categories": ["groceries", "travel"],"max_amount": 500000,"per_transaction": true},"cardholder": {"name": "Morgan Riley",},"metadata": {"program_id": "prog_consumer_2024","kyc_verified": true}}
HTTP/1.1 201 Created{"id": "card_3rTx9mNzKwQpBh","object": "card","status": "active","card_type": "virtual","last4": "4782","network": "Visa","currency": "USD","account_id": "acct_9fK2mXpL8nRqWv","created_at": "2025-06-14T08:23:11Z","spending_controls": {"allowed_categories": ["groceries", "travel"],"max_amount": 500000},"cardholder": {"name": "Morgan Riley","verified": true},"token": {"pan_token": "tok_Vx82cNpR4Lq7Yw","expires": "2028-06-30"}}
Everything your financial product needs, in one platform
Explore the full depth of pehtwand's infrastructure across payments, banking, lending, and compliance — each module production-ready and API-first.
Card Issuance
Issue physical and virtual debit/credit cards under your brand via a single API call. Supports Visa, Mastercard, and Discover networks globally.
Virtual Cards
Spin up tokenized virtual cards instantly for B2B spend management, subscription billing, or single-use transactions with zero physical overhead.
ACH Transfers
Same-day and next-day ACH origination and receipt with automated NACHA file handling, return management, and micro-deposit verification built in.
Push-to-Card
Disburse funds to any Visa or Mastercard debit card within 30 minutes — ideal for insurance payouts, gig worker pay, and earned wage access.
Real-Time Payments
FedNow and RTP network access for instant payment rails operating 24/7/365 — clearing in seconds, not business days.
Cross-Border Payments
Send and receive international wires in 60+ currencies with transparent FX pricing, SWIFT GPI tracking, and IBAN validation.
Payments Dashboard
Ready to go deeper on any module?
Talk to a solutions engineer for a live, customized walkthrough of pehtwand's platform.
Built on a Foundation of Trust and Regulation
Independently audited controls for security, availability, and confidentiality — renewed annually.
The highest standard for payment card data security, validated by a Qualified Security Assessor.
Customer deposits held at FDIC-insured institutions, providing up to $250,000 in federal protection.
Registered Money Services Business under FinCEN, with full BSA/AML program implementation and reporting.
Active money transmitter licenses across all 50 U.S. states, enabling compliant nationwide fund movement.
Direct NACHA membership ensuring full adherence to ACH network rules and origination best practices.
Enterprise-Grade Data Security
Every byte of data passing through the pehtwand platform is protected by AES-256 encryption at rest and TLS 1.3 in transit. Our infrastructure is deployed across geographically distributed, redundant data centers with 99.99{3f4cd377fe25a7e84ab3993f5d00e9cc8ba900feaacaf9edb702c1a6ec258e9f} uptime SLAs. We operate a zero-trust network architecture, enforce role-based access controls, and conduct quarterly third-party penetration tests to ensure our defenses remain ahead of the threat landscape. Anomaly detection and real-time alerting allow our security operations team to respond to potential incidents within minutes, not hours.
Proactive Regulatory Adherence
pehtwand was designed compliance-first. Our dedicated legal and regulatory team monitors federal and state rule-making in real time, ensuring our platform — and every product built on it — remains current with evolving requirements from FinCEN, NACHA, and individual state money transmitter regulators. We maintain a comprehensive BSA/AML program complete with automated transaction monitoring, sanctions screening against OFAC lists, and Suspicious Activity Report filing infrastructure. When you build on pehtwand, your compliance posture is backed by our regulatory expertise and existing licensure — dramatically reducing your time-to-market and legal overhead.
Built by Developers,
For Developers
Everything you need to integrate banking infrastructure in days, not quarters. Production-grade SDKs, an interactive sandbox, and a community of engineers who've already done it.
const pehtwand = require('@pehtwand/sdk');
const client = new pehtwand.Client({
apiKey: process.env.PEHTWAND_API_KEY,
environment: 'sandbox'
});
// Initiate a payment transfer
const transfer = await client.transfers.create({
amount: 25000,
currency: 'USD',
source: 'acct_source_7x9k2m',
destination: 'acct_dest_3p4n8q',
metadata: { reference: 'INV-2024-0042' }
});
console.log(transfer.id); // txn_live_1a2b3c4d5eYour first API call in under 10 minutes.
No credit card. No procurement process. Instant sandbox access with full API surface.
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Solutions
pehtwand is not a bank. Banking services are provided by partner FDIC-insured institutions. All product names, logos, and brands are property of their respective owners.