A system for formatting and printing wallet cards having the form factor of a standard ISO credit card or debit card, the printing format being calculated according to the aspect ratio and pixel density of mobile handheld devices that are capable of communicating with a printer wherein the handheld device preferably has an internal program that converts the pixilated display screen to a select content portion of the physical ISO card area wherein the remaining card area resulting from the mismatch of the aspect ratios of the display screen and the physical card form is programmed to contain data, graphics, coding, or if desired, left blank as part of the card margin.