Thredd

Best for: Regulated or enterprise workloads - compliance attestations and an enterprise plan; Teams needing broad API coverage out of the box

Avoid if: You need transparent pricing up front; You want to try it free before paying

Pricing model

Contact sales

Published pricing

✗ No [2]cardsapidocs.thredd.com/docs/general-faqs“For information on pricing, contact your Account Manager.”cardsapidocs.thredd.com/docs/general-faqs“Contact your Account Manager for pricing and specific implementation details.”

Free tier

✗ No

Self-serve signup

✓ Yes [3]cardsapidocs.thredd.com/docs/gaining-access-to-the-developer-portal“The Developer Portal enables users to sign up and gain access to the Thredd Sandbox, where developers can trial our REST API using the API Explorer or a Postman Collection.”

Requires sales call

✓ Yes [4]docs.thredd.ai/gettingstarted/Content/Getting_Started/Stages_in_a_Project.htm“Thredd pavement testing approval is required in addition to any Issuer sign-off before we can switch your products to Active. Signed Thredd contracts, current payment status, completed production readiness activities required.”

Enterprise plan

✓ Yes [5]finance.yahoo.com/news/thredd-accelerates-2026-global-platform-130000390.html“Thredd is the trusted, AI-first, cloud-native issuer processing platform powering the next generation of global payments. Through a single API, unified platform, Thredd delivers debit, credit, digital wallet and ledger capabilities to over 100 fintech, digital banks and embedded finance providers, across 47 countries, processing billions of transactions annually.”

• Virtual cards
• Physical cards
• Spend controls
• Credit programs
• Push provisioning
• Multi-region

Supported actions

issue_virtual_card, issue_physical_card, card_lifecycle_management, spend_controls, authorization_stream, 3ds, tokenization, push_provisioning, dispute_management, program_management, real_time_webhooks, fraud_monitoring, merchant_allow_disallow_lists, balance_inquiry, card_load_unload, pin_management, chargeback_management, cardholder_fee_management, open_banking_registration, bulk_card_creation [6]cardsapidocs.thredd.com/v2.0/“Webhook registration and management; Tokenization event notifications; Transaction confirmation events; Fraud alert notifications; 3D Secure enrollment and credential management; Card tokenization with payment token generation; Merchant allow/disallow lists”docs.thredd.ai/More_Information/Card_Management_APIs.htm“Create individual cards; Bulk card creation; Virtual or physical card options; Master Virtual Card (MVC) creation; Convert virtual to physical cards; Activate/deactivate functionality; Load/unload funds; Balance inquiries and adjustments; PIN changes”

Regions

Europe, UK, APAC, Americas, Middle East, 47+ countries [7]finance.yahoo.com/news/thredd-accelerates-2026-global-platform-130000390.html“Thredd delivers debit, credit, digital wallet and ledger capabilities to over 100 fintech, digital banks and embedded finance providers, across 47 countries, processing billions of transactions annually.”thredd.ai/company“Operates across 50+ countries with 130+ clients globally. Physical presence in London, Newcastle, Singapore, Sydney, and Austin.”

Input types

Visa, Mastercard, Discover, virtual, physical, debit, credit, prepaid [8]thredd.ai/platform/debit-and-prepaid“Visa, Mastercard, and Discover. Scheme certification, compliance, and connectivity are managed within the platform.”docs.thredd.ai/More_Information/Thredd_System.htm“Networks: Visa and Mastercard; Card Types: Physical cards and virtual cards”

Output types

JSON, webhook events, card tokens, authorization events, transaction data, XML (SOAP) [9]docs.thredd.ai/More_Information/Developer_Integration.htm“Cards API (REST) which accepts JSON-encoded request bodies and returns JSON-encoded responses; Web Services (SOAP) for creating and managing cards”

Webhooks

✓ Yes [10]docs.thredd.ai/More_Information/Webhooks.htm“Webhooks enable asynchronous event notification without persistent connections. Rather than continuously polling for updates, your system receives HTTP payloads when events occur.”

Sandbox / test mode

✓ Yes [11]docs.thredd.ai/More_Information/Sandbox.htm“You can sign up for a Sandbox account on the Developer Portal at devportal.thredd.com”docs.thredd.ai/More_Information/Sandbox.htm“Thredd Sandbox only provides access to a restricted set of Thredd functionality”

SDK languages

Unknown

MCP server

✗ No

SOC 2

SOC 2 Type II [12]finance.yahoo.com/news/thredd-accelerates-2026-global-platform-130000390.html“Thredd holds PCI DSS certification, a comprehensive suite of ISO accreditations, and has completed SOC 1 and SOC 2 Type II audits providing the governance foundation that regulated issuers and banking partners require.”

HIPAA

– Unknown

GDPR

✓ Yes [13]docs.thredd.ai/introduction/Content/Networks/Regulation_of_Card_Network.htm“GDPR: EU regulation covering data privacy and security of user data”thredd.ai/privacy-policy“Thredd UK Limited is the Data Controller for your data. This means they are responsible for how your data is collected, protected, stored and shared.”

ISO 27001

✓ Yes [14]finance.yahoo.com/news/thredd-accelerates-2026-global-platform-130000390.html“Thredd holds PCI DSS certification, a comprehensive suite of ISO accreditations, and has completed SOC 1 and SOC 2 Type II audits providing the governance foundation that regulated issuers and banking partners require.”

PCI DSS

✓ Yes [15]docs.thredd.ai/More_Information/PCI_Compliance.htm“If you are not PCI DSS Level 1 compliant, you are not able to retrieve the full PAN from the Thredd platform.”finance.yahoo.com/news/thredd-accelerates-2026-global-platform-130000390.html“Thredd holds PCI DSS certification, a comprehensive suite of ISO accreditations, and has completed SOC 1 and SOC 2 Type II audits providing the governance foundation that regulated issuers and banking partners require.”

Published SLA

✗ No

Known restrictions

Thredd is an issuer-processor, NOT a turnkey BIN sponsor - clients must arrange their own sponsor bank or connect to an issuer via Thredd's partner network (e.g. Sutton Bank for US programs, announced June 2026), Clients handling cardholder data must be PCI DSS Level 1 compliant to retrieve full PANs; non-compliant clients must use Thredd's Public Token system instead, Sandbox provides restricted functionality only - no live card scheme processing, physical card printing, or payment transaction emulation, Production access requires sales engagement and signed programme agreement; self-serve sandbox is available but going live requires Thredd pavement testing approval plus issuer sign-off, No SDK available for the Cards API [16]docs.thredd.ai/More_Information/PCI_Compliance.htm“If you are not PCI DSS Level 1 compliant, you are not able to retrieve the full PAN from the Thredd platform.”newshub.medianet.com.au/2026/06/thredd-and-sutton-bank-partner-to-power-u-s-card-program-expansion-for-global-brands/158158/“Sutton Bank will serve as a BIN sponsor for Thredd clients seeking to launch and scale prepaid and debit card programs in the United States.”cardsapidocs.thredd.com/docs/general-faqs“Thredd does not currently support an SDK for the Cards API.”

• Docs
• API reference

Docs rendering: static

API style

rest

Base URL

https://api.threddpay.com/

Version

v1

Versioning

url

Stability

ga

Auth methods

oauth2, mtls

Idempotency keys

✓ Yes

Error format

vendor-specific

• Auth docs
• Quickstart
• Webhook events

Launched

2007-01-01

Notable customers

Zilch, Transcard, Treezor, REAP, Pliant, Bigpay, B4B Payments, Caxton

• Lithic

  "Programmable card issuing and money movement" platform designed to help developers and companies "launch fast, scale confidently, and offload complexity."

  Usage · public pricing · self-serve

• Stripe Issuing

  "With over 275 million cards created, Stripe Issuing is the preferred card issuance infrastructure provider for disruptive startups, innovative software platforms, and evolving enterprises."

  Usage · public pricing

• Weavr

  "Embedded finance for digital B2B products"

  Hybrid · public pricing · self-serve

• Swan

  "The easiest way to embed banking features into your product."

  Hybrid · public pricing · self-serve

• Wallester

  "Free business IBAN account with cards and expense management"

  Hybrid · free tier · public pricing · self-serve

• Adyen Issuing

  "Get everything you need to create and manage your card program with our financial technology platform."

  Sales-led

Thredd alternatives · Thredd vs Lithic · All Card Issuing APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: thredd.ai
2. ↑Published pricing: cardsapidocs.thredd.com · cardsapidocs.thredd.com
3. ↑Self-serve signup: cardsapidocs.thredd.com
4. ↑Requires sales call: docs.thredd.ai
5. ↑Enterprise plan: finance.yahoo.com
6. ↑Supported actions: cardsapidocs.thredd.com · docs.thredd.ai
7. ↑Regions: finance.yahoo.com · thredd.ai
8. ↑Input types: thredd.ai · docs.thredd.ai
9. ↑Output types: docs.thredd.ai
10. ↑Webhooks: docs.thredd.ai
11. ↑Sandbox: docs.thredd.ai · docs.thredd.ai
12. ↑SOC 2: finance.yahoo.com
13. ↑GDPR: docs.thredd.ai · thredd.ai
14. ↑ISO 27001: finance.yahoo.com
15. ↑PCI DSS: docs.thredd.ai · finance.yahoo.com
16. ↑Known restrictions: docs.thredd.ai · newshub.medianet.com.au · cardsapidocs.thredd.com

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"multi_region":true,"virtual_cards":true,"physical_cards":true,"spend_controls…
2. 2026-06-21 Summary Md: (none) → Thredd is an issuer-processor API supporting debit, credit, prepaid, and virtua…
3. 2026-06-21 Score Setup Speed: (none) → 60
4. 2026-06-21 Score Docs Quality: (none) → 35
5. 2026-06-21 Score Procurement Friction: (none) → 25
6. 2026-06-21 Score Trust Readiness: (none) → 65
7. 2026-06-21 Best For: (none) → Regulated or enterprise workloads - compliance attestations and an enterprise p…
8. 2026-06-21 Avoid If: (none) → You need transparent pricing up front, You want to try it free before paying
9. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
10. 2026-06-21 Score Agent Friendliness: (none) → 40
11. 2026-06-21 Score Pricing Transparency: (none) → 0
12. 2026-06-21 Robots Allows Agents: (none) → Yes
13. 2026-06-21 API Reference URL: (none) → https://cardsapidocs.thredd.com/v2.0/
14. 2026-06-21 Docs URL: (none) → https://docs.thredd.ai/
15. 2026-06-21 Has Structured Data: (none) → Yes
16. 2026-06-21 Rendering: (none) → static
17. 2026-06-21 Llms Txt Present: (none) → No
18. 2026-06-21 Has Published Pricing: set to No
19. 2026-06-21 Free Tier Available: set to No
20. 2026-06-21 Self Serve Signup: set to Yes
21. 2026-06-21 Requires Sales Call: set to Yes
22. 2026-06-21 Enterprise Plan Available: set to Yes
23. 2026-06-21 SOC 2: set to type_2
24. 2026-06-21 GDPR: set to Yes
25. 2026-06-21 ISO 27001: set to Yes
26. 2026-06-21 PCI DSS: set to Yes
27. 2026-06-21 SLA Published: set to No
28. 2026-06-21 Data Retention Policy URL: set to https://www.thredd.ai/privacy-policy
29. 2026-06-21 Known Restrictions: set to Thredd is an issuer-processor, NOT a turnkey BIN sponsor - clients must arrange…
30. 2026-06-21 Auth Methods: set to oauth2, mtls
31. 2026-06-21 Auth Docs URL: set to https://cardsapidocs.thredd.com/v2/docs/accessing-api-hub
32. 2026-06-21 API Style: set to rest
33. 2026-06-21 Base URL: set to https://api.threddpay.com/
34. 2026-06-21 API Version: set to v1
35. 2026-06-21 Versioning Scheme: set to url
36. 2026-06-21 Stability: set to ga
37. 2026-06-21 Quickstart URL: set to https://cardsapidocs.thredd.com/docs/getting-started-1
38. 2026-06-21 Idempotency Supported: set to Yes
39. 2026-06-21 Error Format: set to vendor-specific
40. 2026-06-21 Webhook Events URL: set to https://cardsapidocs.thredd.com/v2/docs/introduction-to-webhooks
41. 2026-06-21 Slug: set to thredd
42. 2026-06-21 Launched At: set to 2007-01-01
43. 2026-06-21 Notable Customers: set to Zilch, Transcard, Treezor, REAP, Pliant, Bigpay, B4B Payments, Caxton
44. 2026-06-21 Fields Not Found: set to hipaa, minimum_commitment, documented_rate_limits, sla_published, deprecation_p…
45. 2026-06-21 Source Confidence: set to high
46. 2026-06-21 Extractor: set to claude-subagent:sonnet
47. 2026-06-21 Last Verified At: set to 2026-06-21T00:00:00.000Z
48. 2026-06-21 Status: set to published
49. 2026-06-21 Requires Verification: set to Yes
50. 2026-06-21 Name: set to Thredd

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

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  -H 'Content-Type: application/json' \
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