Discover Breakthrough Updates to the Sparados API
Updated: May 29
In the fintech world, the line between financial services and business software is blurring before our eyes. At Sparados, we understand that modern corporations aren't looking for just another standalone finance app - they are looking for infrastructure they can embed seamlessly into their own systems.
We are proud to announce the launch of a new suite of API functionalities that position Sparados as the "invisible payment engine" for your company. You can now issue cards, manage card data, and handle authorizations directly within your own interface. No compromises, no redirects, total control. Sparados provides the technology, whereas the issuance of cards and regulatory compliance are the responsibility of our partners - appropriately licensed payment service providers operating within Europe.
Discover our latest updates to the Sparados API!
What’s New in the API? Four Pillars of Full Autonomy
The latest Sparados development focuses on ensuring your employees and contractors never even need to know our platform exists. Everything happens within your IT ecosystem.
1. Seamless User Provisioning (Create User via API)
Onboarding employees and contractors has reached a new level of efficiency. Our new endpoint allows for the instantaneous creation of user accounts directly from your system. When a new driver, insurance agent, or subcontractor is added to your database, the Sparados API allows you to create their account within your existing interface.
2. In-App Card Data Display (PCI-DSS Powered UX)
This is the feature many of our clients have been waiting for. We now enable the secure transmission of sensitive card data (PAN, CVV, expiry date) directly to your interface via iframes or as encrypted card data, which is decrypted on the frontend using a unique user key. The entire process is fully compliant with PCI DSS requirements.
3. In-App 3DS Code Delivery
Online transaction security is a priority, but it shouldn't compromise the user experience. Our 3-D Secure API integration allows for full control over the distribution of verification codes. 3DS codes can be delivered directly to your app or via your preferred communication channels, such as Slack, WhatsApp, SMS, or email. You define the authorization journey while leveraging our stable background mechanisms.
4. Instant xPay Tokenization (Apple Pay / Google Pay)
The modern workforce expects mobile payment capabilities. By implementing One-Time Password (OTP) support for Google Pay and Apple Pay via API, the process of adding a Sparados card to a digital wallet is nearly instantaneous. Your interface can deliver OTP codes directly to the app or a chosen channel, ensuring fast and convenient access for your team.
Who Are We Building These Solutions For?
Our clients are companies across Europe operating in dynamic industries where cash is a relic and traditional transfers are too slow. Our new "Embedded Finance" model perfectly fits the needs of:
Logistics & Transport: Your drivers need funds for fuel, meals, and tolls "here and now." You issue a virtual card via your own app, and they pay via smartphone across the EU.
Read the MK Relocation Case Study
Construction: Project managers can instantly pay for missing materials, with every transaction visible in your system assigned to a specific project code.
Read the Kodoro Case Study
Insurance: Enable customers in emergency situations (assistance) to quickly access funds for repairs or hotels by providing card data within your insurance app.
Read the Allianz Partners Case Study
Transparent Cost Model
Sparados prioritizes transparency. Access to the full API environment and the ability to integrate with your own interface starts at EUR 250. Standard card maintenance and account fees apply according to the current Sparados price list. This represents a fraction of the cost a company would incur building its own banking infrastructure from scratch, while maintaining full flexibility and branding.
The Evolution of Sparados: What Has Changed in the Sparados API?
How do these updates compare to our previous integration options? While Sparados has always offered API access, this latest development fundamentally shifts the role of integration for our B2B clients.
Previous Integration Model
The Sparados API has primarily served as a robust engine for operational data exchange. Our capabilities included:
Limit Management: Defining daily/monthly rules and restricting specific Merchant Category Codes (MCC).
Real-time Monitoring: Accessing transaction history and automated spending alerts.
Document Management: Streamlining accounting workflows by enabling the attachment of invoice and receipt scans to transactions via API.
Approval Workflows: Tracking requests for card top-ups or limit adjustments.
New API Capabilities (Direct API Interface)
While our previous model excelled at data synchronization between systems, this latest update allows you to entirely eliminate the need for your employees to log into Sparados. Previously, users had to utilize our native tools to view card details or authorize 3DS transactions.
Today, those barriers are gone. All sensitive and technically complex operations are now "injected" directly into your own interface. This marks a strategic shift from being a supporting tool to providing a complete payment infrastructure operating seamlessly under your brand. Read the Full API Documentation:
Take the Next Step in Digital Finance
Sparados is no longer just a corporate card platform - we are your technology partner. If you are looking to automate expenses and provide your employees with the best payment tools on the market, it’s time to integrate.
Contact us today! Our experts will guide you through the API implementation process so you can start issuing cards in your own interface faster than you think.
Let’s build the future of corporate payments together!
