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About UsProducts
Business Account The unified account layer for stablecoin-enabled businesses
Learn more
Cards
Expense Management
Bill Pay
Business Account API
Direct API mentions coming soon
Embedded Finance Launch branded financial products on Reap's infrastructure, one API integration
Learn more
Cards
Card Issuing
Agentic
Sentry
Rewards
Virtual Assets
Money Movement
Payments
Agentic Payments Agentic spends on any merchant, anywhere. Agent-native checkout live today. Explore
Use Cases
Advertising SpendFiat rails and card spend on top of your balances Neobanks & FintechsLaunch cards and payouts without a new licence stack
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Card Issuing DocumentationFull Card Issuing API guide API ReferenceAccess endpoints ChangelogTrack the latest updates Quick Start GuideSimulate key card workflows SandboxTest your card issuing flowPayments Payments - Talk to usContact us to access the documents
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ProductEmbedded Finance
Reap sentry

Issue cards fast, without building a risk team.

Reap Sentry is the managed risk service for your card issuing program. Risk and loss managed for you, so you can launch your card program fast and protected from day one.

Get in touchLearn about Card Issuing
8+ years
In the card issuing business
8+ years
In the card issuing business
1.5M+
Cards issued and monitored
2x+ lower
Fraud loss rate than industry benchmarks
~100%
Dispute win rate
4 steps
From kickoff to live fraud protection
WHY DO YOU NEED RISK MANAGEMENT FOR CARDS?

Card programs can scale safely when risk is actively managed.

Every card you put into the world carries the risk of fraudulent spend, and with it financial loss, cardholder disputes, blocked cards, and erosion of trust in your product. Breach Visa's monitoring thresholds and you face audits, penalty fees, and lost dispute rights.

What running a card program safely requires

Real-time fraud detection

Continuous monitoring

Dispute recovery

Fraud reporting

Scheme oversight

WHAT DOES IT COST TO BUILD A CARD RISK MANAGEMENT PROGRAM?

Building card risk management in-house costs USD 250K and 12 months, minimum

Real-time monitoring tool
~USD 150K

Transaction monitoring with risk scoring that declines suspicious activity in real time — before implementation cost and effort.

Dedicated fraud manager
~USD 100K/yr

Recruiting and onboarding an experienced specialist to run your program safely.

Time to operationalise
12+ months

Hiring, training, and learning the discipline — plus tooling procurement and implementation — before the program can safely run.

With Reap
Included in your card program

~USD 250K and months of setup, replaced by controls that are live on day one.

FEATURES OF REAP SENTRY

Reap Sentry handles all of it for you

Reap Sentry is a fully managed card fraud management function: detection, monitoring, and dispute recovery – configured and operated by Reap's risk specialists.

No risk team to hire. No fraud tools to license. No previous risk expertise required. Minimal setup on your side. You launch protected from your first transaction.

Real-time transaction screening
Continuous portfolio monitoring
BIN attack detection and response
Dispute handling and recovery
Visa scheme compliance
Fraud performance reporting

Real-time transaction screening

Every authorization scored and screened in milliseconds, before it is approved. Suspected fraud declined in real time.

WHY REAP SENTRY

Five reasons
customers let Reap run it

01

Get to market faster

You want your card program live as soon as possible. Four steps from kickoff to live fraud protection. Your side of the work is one interview.

02 Losses controlled,
bottom line protected03 Risk managed without
building a risk function04 Card risk controlled by experts05 Protect brand trust
02

Losses controlled,
bottom line protected

Fraud caught early, without over-blocking the good spend that grows your program.

03

Risk managed without
building a risk function

Save USD 250K+ and months of build time. No recruitment, no tooling, no learning risk management.

04

Card risk controlled by experts

8+ years. 1.5M+ cards. Fraud loss rate 2x+ below industry standards. ~100% dispute win rate. That is the team running your risk.

05

05 Protect brand trust

Your cardholders trust your card. We make sure they keep trusting it.

Travel & Expenses

Issue virtual cards. Set per-employee spend controls. Track usage in real-time globally.

Subscriptions

AWS, Meta Ads, recurring SaaS. One virtual card per vendor with budget caps. No reimbursements.

Invoice & Bill Payments

Pay global suppliers from your stablecoin treasury. They receive in local fiat automatically.

Global Contractor Payments

Pay contributors, contractors, and team members in local currency from your stablecoin balance. 18+ fiat currencies, 220+ countries.

Stablecoin Treasury Ops

Hold USDC/USDT. Fund cards and payments directly. No idle capital lost to conversion spreads.

Crypto icon

Run day-to-day operations off your stablecoin treasury — from vendor payments to team spend, without juggling multiple tools.

Fintech icon

Fintechs and Neobanks

Support stablecoin-native operations and cross-border activity with a business account foundation plus cards, payments, and expense workflows.

Affiliates icon

Affiliates

Pay partners and manage high-velocity spend with clean separation across offers, teams, and workflows.

OTA icon

Online Travel Agencies

Pay vendors and manage bookings at scale — generate a dedicated virtual card per booking and keep spend controlled.

Marketing icon

Marketing Agencies

Manage payments for hundreds of campaigns without mixing budgets — isolate spend with per-client or per-campaign cards.

Travel & ExpensesSubscriptionsInvoice & Bill PaymentsGlobal Contractor PaymentsStablecoin Treasury Ops

01 Get to market faster

You want your card program live as soon as possible. Four steps from kickoff to live fraud protection. Your side of the work is one interview.

Subscriptions

AWS, Meta Ads, recurring SaaS. One virtual card per vendor with budget caps. No reimbursements.

Invoice & Bill Payments

Pay suppliers on time without reimbursements. Assign a dedicated virtual card per vendor, set spend limits, and track every bill automatically.

Global Contractor Payments

Pay contractors in 150+ countries with a dedicated virtual card per hire. Set per-contractor limits and keep spend separated by project.

Stablecoin Treasury Ops

Run operations off your stablecoin treasury. Spend USDC directly on vendors and team expenses — no fiat conversion needed.

How it works

Four steps to a protected card program

01

Risk-appetite interview

Who your cardholders are, how they spend, and how much risk you will accept. The main input we need from you.
02

Configuration

Reap's proven control set is applied, then tuned to your cardholder profile. No action on your side.
03

Go-live

Your program goes live under active monitoring, with a direct channel to Reap's risk team.
04

Monitor and review

Continuous monitoring plus structured reviews, with controls tuned as your program grows.

What you do vs. what Reap does

You
Reap
Choose assets and pricing
Authorises spend against available balance
Maintain user balances (deposits/withdrawals/repayments)
Clears, reverses, and settles transactions
Fund the master collateral account
Holds the master collateral account
Keep custody and the user relationship
Polls your pricing feed for dynamic-rate assets
Applies your balance updates atomically
Who this is for

Built for platforms and
fintechs launching a card program

Whether you are issuing your first card or scaling a live program, the risk work is the same and it is the part nobody wants to build twice.

Platforms launching a card programFintechs scaling a live programTeams with no card risk experience
01 For

Platforms launching a card program

You are shipping cards as a feature, not building a risk department to support them.

01 For

Fintechs scaling a live program

Volume is growing and your fraud exposure is growing with it, faster than you can hire against.

01 For

Teams with no card risk experience

Card fraud behaves differently from the fraud you already know. You get Reap's playbook instead of writing your own.

01 For

Web3-native teams

Your ops budget lives on-chain. Fiat conversion is the tax you pay to buy SaaS and AWS. With VIC, top up in USDC and transact against merchants globally — no fiat on-ramp in the middle.

01 For

Web3-native teams

Your ops budget lives on-chain. Fiat conversion is the tax you pay to buy SaaS and AWS. With VIC, top up in USDC and transact against merchants globally — no fiat on-ramp in the middle.

FAQ

Questions card issuers ask

+01
What is Reap Sentry?
Reap Sentry is Reap's managed risk service: a fully managed card issuing fraud prevention function for card programs issued through Reap Card Issuing. Reap's risk specialists configure and operate your program's fraud controls, covering real-time transaction screening, portfolio monitoring, BIN attack response, dispute recovery, Visa scheme compliance, and fraud performance reporting. You do not hire a risk team, license fraud tools, or need prior card-risk experience.
+02
How quickly is my program protected?
From the moment you go live. Reap configures your risk controls during onboarding, so your program launches with active fraud monitoring and proven detection rules from transaction one. There is no gap between launch and protection.
+03
What does Reap actually manage?
Everything fraud-related: real-time transaction screening, continuous monitoring, BIN attack detection and response, dispute handling with a near-100% win rate, confirmed fraud reporting to Visa, and regular performance reporting to you. Configured and operated by Reap's risk specialists, not your team.
+04
Do I need a risk team or fraud tools?
No. You do not need a risk team, fraud monitoring tools, or prior card-risk experience. The only integration on your side is two APIs: a Fraud Alert API and a Dispute API. Reap handles everything else.
+05
What fraud rate can I expect?
Reap actively manages your program's fraud rate to more than 2x lower than the Asia Pacific cross-border CNP benchmark of 11.7bp. Your program benefits from 8+ years of portfolio-wide fraud data from day one.
+06
What would it cost to build this myself?
A real-time monitoring platform costs up to USD 150K, plus an experienced fraud manager at ~USD 100K/yr, plus months of setup time. That is ~USD 250K+ minimum, before you have issued your first card.
+07
What's the difference between Reap Sentry and building card risk management in-house?
No other issuer offers this as a managed service, so your alternative is building it yourself.
Reap Sentry Build it in-house
Cost Included in your card program Minimum USD 250K+ (tooling plus headcount)
Time to market Live at program launch At least 8 to 12 months before safe to run
Fraud expertise Reap's portfolio-wide data and a specialist team with 50+ years combined experience Your hires learning your program alone
Scheme compliance Managed by Reap You learn and maintain it independently
Fraud loss rate 2x+ lower than industry benchmarks, proven Unknown until months of tuning
Dispute handling Near-100% win rate You build it or outsource it
+08
Will legitimate transactions get declined?
Some will, and that is by design. Zero false positives means approving all fraud. Reap balances both sides: catching fraud without over-blocking good spend. Controls are continuously tuned, and overblock guardrails keep legitimate transactions flowing.
+09
What is a BIN attack, and how does Reap respond?
A BIN attack, also called a card enumeration attack, is a brute-force attempt to guess valid card numbers by generating combinations against a known Bank Identification Number, then testing them with small transactions. Reap monitors for the pattern across the whole portfolio, declines the attempts in real time, notifies you within one business day, and updates your controls immediately.
+10
What are Visa's fraud monitoring thresholds, and who keeps my program inside them?
Visa holds issuers to fraud and dispute thresholds, and breaching them can trigger audits, penalty fees, and lost dispute rights. Reap manages your fraud reporting, decline rates, and 3DS challenge rates to keep your program within them, and reports confirmed fraud to Visa on schedule.
+11
Does Reap Sentry cover AML and sanctions screening?
No. AML and CTF obligations remain your responsibility. Reap Sentry covers card fraud detection, loss management, and Visa scheme compliance.
+12
Does Reap guarantee zero fraud?
No, and nobody can. Card fraud is a USD 33bn+ global problem. What Reap commits to is actively managing your fraud rate to more than 2x lower than industry benchmarks, live rejection of suspected fraud in real time, BIN attack notification within one business day, and regular performance reporting. The goal is minimising loss, not promising the impossible.
Get Started

Launch your card program with risk managed from day one.

Get in touchLearn about Card Issuing

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© 2026 Reap Technologies Limited All rights reserved.

This website and the services described herein are not directed at persons in Singapore. Nothing contained on this website constitutes an offer, solicitation or invitation to provide regulated products & services in Singapore.

Fraud performance figures reflect Reap's card portfolio. Benchmark: Visa Asia Pacific cross-border card-not-present fraud rate, 11.7bp. Monitoring reduces fraud loss; it cannot eliminate it. Anti-money-laundering and counter-terrorist-financing obligations remain with the client.

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