97.ai

What It Is

NexusPay Solutions is a programmable spend management platform for enterprises and platforms. Its core capability is issuing virtual cards through a single API, setting spend controls, and automating global B2B payments. Its focus is not traditional acquiring, but commercial card issuing and controlled payments, making it suitable for organizations that need large volumes of one-time-use cards, vendor payments, advertising budget isolation, or embedded finance capabilities.

Core Capabilities

The platform emphasizes high-throughput transaction monitoring, with the ability to issue hundreds of single-use virtual cards per day and isolate accounts for each vendor, test environment, or digital identity. On the risk control side, it supports transaction limits as precise as $1, MCC restrictions, expiration dates, real-time authorization approval, and API-based card freezing or destruction after a transaction is completed. These capabilities are valuable for global procurement, accounts payable, ad platform account verification, and employee budget card management.

Compliance, API, and Integrations

The available materials indicate a compliance-first design covering BIN Sponsorship, PCI DSS certification, scheme compliance, and audit-ready transaction data. Cards are issued by partner banks under Visa and Mastercard licenses, while the platform also provides automated AML/KYC checks and Interchange revenue optimization reporting. From a developer perspective, it mentions support for RESTful API access and full-lifecycle card controls, but does not show public API documentation, SDKs, a sandbox environment, or an implementation process. As a result, integration complexity still needs further confirmation.

Pricing and Limitations

The website does not disclose rates, platform fees, card issuance fees, transaction fees, cross-border fees, settlement timelines, supported currencies, specific covered countries, or the list of partner banks. Therefore, its commercial viability needs to be assessed by contacting Contact Sales for a quote. Its strengths are clear positioning, granular controls, and suitability for high-frequency virtual card use cases. Its weaknesses are limited public transparency and insufficient detail around support, SLA, and compliance specifics.

Who It’s For and Access from China

It is better suited to Fintech/BaaS platforms, e-commerce marketplaces, global MarTech agencies, and expense management platforms, rather than small merchants that only need simple online payment collection. The source content does not provide information about access from China, so its status is unknown. Chinese companies looking for similar capabilities may also evaluate Stripe Issuing, Marqeta, Adyen Issuing, Airwallex, Brex, Ramp, or Lithic, with particular attention to supported onboarding regions, RMB-related capabilities, and cross-border compliance requirements.