CardCycleCardCycle
Sign inGet started
EXCHANGE NETWORK

CardCycle is a value exchange network, not just a listings page

Three groups meet on one network — the people who hold cards, the merchants who issue them, and the partners who want to plug into both. Underneath sits a single stack: one wallet, one trading engine, one payment engine, and one verification and risk layer.

The network at a glance

Consumers

Live

Buy discounted cards from other people, and list the ones they won't use at their own price.

Browse cards

Merchants

In progress

Retailers and shops list their own inventory, move breakage into cash, and reach buyers already shopping their brand.

Apply to sell

API partners

Goal

Wallets, cashback apps and fintechs plug into CardCycle pricing and settlement. A target, not a live product yet.

Talk to us
  1. 01

    Trading engine

    Live

    Every consumer, merchant and partner order lands here first: live pricing per retailer and inventory locked so a card can only sell once.

    See the market feed
  2. 02

    CardCycle Wallet*

    In progress

    One balance per account. Sale proceeds and buyer credit settle here before anything moves to a bank. *Spending the balance in-app is still being built.

    Open your wallet
  3. 03

    Payment engine

    Live

    Card charges in, seller deposits out, with fees and processing cost recorded on every single transaction.

    See payouts
  4. 04

    Verification engine

    Live

    Identity checks, card balance verification, retailer status checks and automated screening — all run before money moves either way.

    Get verified
  5. 05

    CardCycle API

    Goal

    The whole stack exposed as one connection for partners: pricing, trading, settlement and verification. Documented below, issued by request.

    Request access

Partner API layer

Preview access

One connection gives a partner read access to CardCycle pricing and write access to the trading and payment engines. Requests are authenticated with a partner key issued per account; every call is settled and recorded in the same ledger our own marketplace uses.

EndpointLayerWhat it does
GET /v1/pricing/:retailerTradingLive discount, lowest ask and available balance per retailer.
GET /v1/listingsTradingSearchable inventory with face value, price and quantity.
POST /v1/listingsTradingSubmit partner inventory for pricing and review.
POST /v1/ordersPaymentBuy a card on behalf of a partner customer, with inventory locked once.
GET /v1/settlementsPaymentFees, processing cost and payable per partner transaction.
POST /v1/payoutsPaymentRelease standard or instant payouts to a verified bank account.
POST /v1/verificationsVerificationRun identity, balance and retailer status checks before a trade.

Authentication

Per-partner key sent as a bearer token over HTTPS, scoped to pricing, trading or settlement. Keys are rotatable and rate limited per account.

Settlement

Partner-originated trades post buyer fee, seller fee, processing cost and payable to the same double-entry ledger as marketplace orders.

Risk checks

Identity, balance verification and retailer status run before any partner trade is accepted or any payout is released.

Preview access: endpoints are documented and being wired to the live engines. Partner keys are issued by request while we onboard the first integrations.

Request partner API accessSee live pricing data

Card network partner portals

Card networks run their own partner sign-in and developer dashboards. These are the official portals we apply through. CardCycle is seeking these relationships — we are not affiliated with, sponsored by, or endorsed by any card network today.

Visa

Applying

Visa Partner for program applications, Visa Developer for API keys and sandbox access.

Mastercard

Applying

Mastercard Developers for API projects and keys, Engage and Start Path for partnership programs.

American Express

Applying

Amex Developer Portal for API access, plus merchant and partnership channels.

The build order

CardCycle grows in phases — each one funded by the last, so the business stays asset-light and earns on transactions, not on holding cards.

  1. Phase 1Marketplace
    Live
    Seller → CardCycle → Buyer. Verified listings, locked inventory, instant code delivery and bank payouts.
  2. Phase 2Verification + fraud engine
    Live
    Identity, balance and retailer checks before money moves. Trust is the competitive advantage.
  3. Phase 3Instant Cash
    Goal
    CardCycle buys cards directly — only high-demand, highly verified cards with predictable resale margins. Never a capital-heavy inventory pile.
  4. Phase 4CardCycle Wallet
    In progress
    Proceeds, credit and refunds in one spendable balance, keeping users inside the ecosystem. A balance preview exists today.
  5. Phase 5Merchant Network
    In progress
    Retailers list their own inventory, with promotions and loyalty on top.
  6. Phase 6CardCycle API
    Goal
    The whole stack — pricing, trading, settlement, verification — as one connection other companies plug into.
Start tradingPartner with us