Spendge

Cards connect balances and controls

The documented controls connect an account balance with cards, while allowing either a separate card balance or a link to the account balance. Spendge’s API documentation says card balances can be replenished and funds can be transferred from a card back to the account balance.

Account owners can also receive real-time balance data and track changes through the API, according to the documentation.

Payment and money-transfer services are subject to verification, limits and regional restrictions set by law and by the provider; check the provider’s rules, network or platform rules, and local law. Such offers are restricted by law, age rules or region. This is not financial or legal advice.

Verification precedes API access

API access has a defined gate: the documentation requires an individual Spendge account, contact with support, completed verification, a signed contract, and an API key. Check eligibility and the steps with support before relying on access.

The API is for individual Spendge accounts. Spendge separately describes API functionality for connected users.

The documented API scope includes card issuance with BIN, currency, and 3DS options, transaction history with status filters, and 3DS codes for online transaction authorization and verification.

Terms leave several control points

Spendge’s Terms set conditions on eligibility, account conduct, commercial use, disputes, and service availability.

• Age eligibility: the Terms say the Site is intended for users who are at least 18 years old; people under 18 may not register.
• Registration and credentials: the Terms require users to provide accurate registration information and update it when necessary; users are responsible for their account and password and must keep their password confidential.
• Commercial use: the Terms say users may not use the Site for commercial endeavors unless Spendge specifically endorses or approves them.
• Disputes: the Terms require the parties to attempt informal negotiations for at least 30 days before initiating arbitration for covered disputes.
• Availability: Spendge states that it cannot assure the Site will be available at all times.

Several further details are listed under What we could not confirm.

Card and team functions are listed

Spendge lists virtual cards for traffic arbitrage and media buying, matching the audience it describes for its service. This is stated product scope, not an independent assessment of card performance.

Team accounts are presented as a way to manage company work and delegate account management to employees. That could suit teams dividing account tasks, provided the account and API conditions fit their operating model.

Transaction tracking and filtering, alongside payment statistics, give users listed ways to inspect activity. The API documentation also describes transaction history and status-based search filters.

Card issuance options include a chosen BIN, currency, and 3DS functionality, according to the homepage and API documentation. Confirm which of these options apply to the intended account before building a workflow around them.

A card moves through account controls

The documented sequence begins with an account balance that Spendge says can be topped up using crypto or wires. From there, the homepage lists balance replenishment and withdrawal from cards back to the account balance.

The API documentation adds two card-balance arrangements: cards can have their own balance or be linked to the account balance. It also lists card replenishment and transfers from a card to the account balance.

Spendge separately lists transfers between cards with different currencies and transfers to registered or unregistered users.

The payment system is marked coming soon

Spendge’s homepage marks the payment system as “coming soon.”

The Terms page says it was last updated on 04 October, 2022.

Compare payment routes by control

In general, compare payment providers by the routes they support for funding and withdrawals, their currency handling and fees, and how verification and limits affect account use. For a media-buying workflow, also compare regional eligibility, dispute handling, and partner payout options. The relevant trade-offs are the routes and conditions each provider documents; no ranking follows from those criteria.

Team accounts suit delegated work

Spendge describes its intended audience as media-buying and marketing teams, and lists team accounts for managing company work and delegating account management to employees. That combination may suit teams that divide account tasks and need transaction visibility, which Spendge lists through tracking and filtering features.

The documented fit is conditional: API use requires an individual account and several access steps, while the homepage marks the payment system as coming soon. Before adopting the workflow, confirm the account arrangement and current service status with Spendge.

Questions about balances and API access

Which account top-up routes does Spendge list?

Spendge lists crypto and wires as account top-up routes on its homepage.

Can funds move from a card back to an account balance?

Spendge’s API documentation says it supports replenishing card balances and transferring funds from a card to the account balance. Its homepage also lists replenishment and card-to-account withdrawals.

What card issuance options does Spendge document?

The API documentation lists card issuance with options for BIN, currency, and 3DS functionality. It also describes cards with their own balance or linked to the account balance. Check with the provider which options apply to the account and access route you intend to use.

What does the Spendge API document?

The API documentation lists card issuance, card transaction history, filters for searching transactions by status, and 3DS codes for online transaction authorization and verification. Those are documented functions; confirm the required access steps before planning an integration around them.

What does API access require?

Spendge’s API documentation requires an individual account, contact with support, completed verification, a signed contract, and an API key. The listed requirements make access conditional rather than automatic. Confirm the process with support before relying on API availability for a workflow.

What is the homepage’s payment-system status?

The homepage’s payment-system status is marked as coming soon, according to Spendge. The homepage therefore presents the payment system as a future offering rather than one currently available. Before relying on it, buyers should ask Spendge when the payment system will be available.

Proceed after checking the access route

Fits if… delegated account work and the documented card and transaction functions match the team’s workflow.

Probably not if… the workflow depends on API access before the required account, support, verification, contract, and API-key steps are complete.

Main risk… the homepage marks the payment system as coming soon, while the Terms describe the Site and services as-is and as-available and say continuous availability is not guaranteed. Go ahead only after checking API eligibility, current payment-system status, and the applicable service terms. This is not financial or legal advice.

Sources

Public pages the facts above were taken from, with the date each was read.

• spendge.comchecked 2026-10-31
• help.spendge.com/api-functionalitychecked 2026-10-31
• spendge.com/termschecked 2026-10-31

How we put this page together

Editorial team of Affiliate Index. The editors at Affiliate Index wrote this page from the public sources listed above, which were read on 2026-10-31. Nobody tried the service in practice. If a source changes, the page is revised.

Last updated: 2026-10-31

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