What the Issuer workspace is for

The Issuer workspace at /issuer is the bank-side surface for running corporate / commercial card programs. It assumes you're a card issuer (bank, fintech, program manager) rather than a card holder — if you're a corporate cardholder looking at your own transactions, /me/cards is the page you want.

What the Issuer module handles:

Sixteen distinct program types are supported under one issuer-neutral model — purchasing cards (P-Card), corporate travel (T&E), fuel cards, fleet cards, virtual cards for AP, controlled-spend programs, government commercial cards (GSA SmartPay), and others. The data model follows the OpenCardsDataStandard so a program you wire up on Turtini can move to another issuer or program-manager later without re-keying.

The ten tabs:

1. **Programs** — the list of card programs your bank/fintech issues. Each program has its own velocity rules, MCC restrictions, declined-transaction logic, and rebate schedule.
2. **Adopters** — the corporate customers (organizations) that have signed up for one of your programs.
3. **Cards** — individual cards issued under each program. Filters by program, by adopter, by holder, by status.
4. **Authorizations** — real-time authorization stream. Filter by approve/decline/review, by MCC, by amount band.
5. **Disputes** — chargebacks, fraud claims, billing disputes routed from cardholders.
6. **Reports** — built-in templates: Velocity (per-account, per-program), MCC mix, Settlement reconciliation, Rebate accrual, Chargeback aging.
7. **Settings** — issuer-level configuration: branding, default decline-reason text, holiday calendar, contact info on declined-transaction notifications.
8. **Rules** — the Citi-Source rule editor. Author velocity caps, MCC allow/deny lists, geographic restrictions; deploy as a "RuleSet Version" so changes are auditable.
9. **Developer** — API keys, webhook subscriptions, ERP integration templates (NetSuite, Workday, SAP, Oracle, Sage Intacct, QuickBooks).
10. **Settlement** — daily Bank P&L: interchange income, network costs, processor costs, rebate accrual, fee schedule, funded-account balances. Replaces the spreadsheet finance teams traditionally maintain.

Who runs each tab:

- **Card program managers** live in Cards, Authorizations, Disputes, Rules.
- **Compliance** lives in Disputes, Settlement, Reports.
- **Engineering** lives in Developer.
- **Sales / partnerships** lives in Adopters.

How orgs get the module:

The Issuer module isn't surfaced in the public Marketplace — it's a high-touch onboarding because each issuer's program details, regulatory posture, and existing core-banking integrations vary widely. Contact [email protected] to begin a deployment.

For corporate cardholders (the people who carry a P-Card on a federal program or a commercial card at a Fortune 1000): the cardholder-facing surface is /me/cards under your personal context. The Issuer workspace is the bank/fintech back-office. Different audiences, same data model.