Cards

Soren Pay issues Visa cards through our Visa issuing partner's Intelligent Commerce integration. Every card carries a scoped policy enforced by our authorization engine in sub-200ms per swipe.

Two card types

| Type | Cost | Mint time | Use case | |---|---|---|---| | Virtual | Free | Instant | Online merchants, agent runtimes, subscriptions | | Metal (physical) | $99 or commit $5k balance | 5-7 days (Idemia/Thales) | In-person spending, premium UX |

Two cardholder kinds

| Kind | Who | KYC path | |---|---|---| | Agent | An AI workload (Claude runtime, OpenAI tool, custom bot) | Workspace KYB via our banking partner suffices | | Human | A person (control person, employee, consumer) | Issuing partner cardholder verification (Phase D consumer = Persona) |

Authorization scope

Every card carries a policy enforced server-side before any external network round-trip:

• State: active, frozen, terminated
• Per-transaction limit (USD cents)
• Monthly limit (USD cents) — month-to-date computed in the same CTE
• Allowed MCCs (ISO 18245 4-digit category codes; null = all)
• Allowed merchants (case-insensitive substring match)
• Available balance (fiat + stablecoin combined)

Eval order: state → per-txn → MCC → merchant → monthly → balance.

Capabilities

We surface every primary capability of our issuing partner's card-issuing product. See capabilities for the complete list.

Next

• Capabilities — all 16 Visa issuing partner features
• API reference: cards — payload specs
• Disputes + chargebacks — what happens when it goes wrong