Welcome to UTGL Developer Portal
Build powerful financial applications with UTGL’s comprehensive payment and card infrastructure. Whether you’re issuing cards or accepting payments, our APIs provide everything you need to integrate seamlessly.Issuing API
For financial institutions issuing cards. Manage card accounts, issue cards, and process transactions.
Merchant API
For merchants accepting UTGL card payments. Bind cards and process transactions securely.
Quick Start
Get up and running in minutes:Quickstart Guide
Make your first API call in 5 minutes
Authentication
Learn how to authenticate requests
Sandbox Environment
Test your integration safely
Key Features
Card Issuing
Issue physical and virtual cards, manage card accounts, and control spending limits
Transaction Processing
Process, monitor, and manage transactions in real-time with comprehensive APIs
Account Management
Create and manage accounts, balances, and transfers with flexible account structures
Real-Time Webhooks
Receive instant notifications for card events, transactions, and account changes
Documentation
Getting Started
Overview
Introduction to Issuing API
Request Signing
Secure API authentication with JWT
Requests & Responses
Understand API formats and error handling
Guides
Card Account Modes
Prepaid, asset-link, and fixed-limit modes
OOB / Online Transactions
Out-of-band transaction verification
Webhooks
Set up real-time event notifications
Code Examples
Java
Authentication examples
Node.js
Authentication examples
PHP
Authentication examples
Golang
Authentication examples
API Reference
Explore our complete API reference with interactive examples:Accounts
Manage accounts and balances
Cards
Issue and manage cards
Card Accounts
Manage card account balances
Transactions
Track transactions and transfers
Webhooks
Configure webhook endpoints
Payouts
Process payouts and remittances
Base URLs
What’s New
Changelog
Stay up-to-date with the latest API changes and improvements