Instant Issuance of Customisable & Configurable Digital Mastercards downloadable from the CleverCards platform, unlocking instant access to funds for all users. CleverCards processing enables payment administrators in Businesses and Public sector organisations to custom brand their own Mastercards, and personally configure each Mastercard for various uses. Serving numerous market needs such as instant access to earned merchant POS acquired funds, customer, contractor and public sector payouts and employee and social welfare benefits, it is truly one Mastercard with many configurable uses. Thousands of Businesses, Public sector organisations and Financial Institutions use CleverCards white-labelled software applications and APIs to instantly issue customisable & configurable Digital Mastercard’s enabling the cardholder to use it as configured, online or instore with mobiles contactlessly.