diff --git a/.release-please-manifest.json b/.release-please-manifest.json
index a8124647..5056a444 100644
--- a/.release-please-manifest.json
+++ b/.release-please-manifest.json
@@ -1,3 +1,3 @@
 {
-  ".": "0.98.0"
+  ".": "0.98.1"
 }
\ No newline at end of file
diff --git a/CHANGELOG.md b/CHANGELOG.md
index aae63e8a..cce06fa1 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -1,5 +1,13 @@
 # Changelog
 
+## 0.98.1 (2025-12-12)
+
+Full Changelog: [v0.98.0...v0.98.1](https://github.com/lithic-com/lithic-go/compare/v0.98.0...v0.98.1)
+
+### Bug Fixes
+
+* **api:** include schema and base URL in GetEmbedURL ([09f2a83](https://github.com/lithic-com/lithic-go/commit/09f2a83e006afa2339f0dd388c564779e1dc0511))
+
 ## 0.98.0 (2025-12-10)
 
 Full Changelog: [v0.97.0...v0.98.0](https://github.com/lithic-com/lithic-go/compare/v0.97.0...v0.98.0)
diff --git a/README.md b/README.md
index ade8ac3b..e82d02ec 100644
--- a/README.md
+++ b/README.md
@@ -22,7 +22,7 @@ Or to pin the version:
 <!-- x-release-please-start-version -->
 
 ```sh
-go get -u 'github.com/lithic-com/lithic-go@v0.98.0'
+go get -u 'github.com/lithic-com/lithic-go@v0.98.1'
 ```
 
 <!-- x-release-please-end -->
diff --git a/card.go b/card.go
index 953a5492..2a8fe962 100644
--- a/card.go
+++ b/card.go
@@ -222,6 +222,7 @@ func (r *CardService) GetEmbedHTML(ctx context.Context, params CardGetEmbedHTMLP
 // but **do not ever embed your API key into front end code, as doing so introduces
 // a serious security vulnerability**.
 func (r *CardService) GetEmbedURL(ctx context.Context, params CardGetEmbedURLParams, opts ...option.RequestOption) (res *url.URL, err error) {
+	opts = slices.Concat(r.Options, opts)
 	buf, err := params.MarshalJSON()
 	if err != nil {
 		return nil, err
@@ -240,7 +241,14 @@ func (r *CardService) GetEmbedURL(ctx context.Context, params CardGetEmbedURLPar
 	if err != nil {
 		return nil, err
 	}
-	return cfg.Request.URL, nil
+	baseURL := cfg.BaseURL
+	if baseURL == nil {
+		baseURL = cfg.DefaultBaseURL
+	}
+	if baseURL == nil {
+		return nil, errors.New("base url is not set")
+	}
+	return baseURL.Parse(cfg.Request.URL.String())
 }
 
 // Allow your cardholders to directly add payment cards to the device's digital
diff --git a/card_test.go b/card_test.go
index 8bad85b4..801d36ec 100644
--- a/card_test.go
+++ b/card_test.go
@@ -259,31 +259,58 @@ func TestCardGetEmbedHTMLWithOptionalParams(t *testing.T) {
 	}
 }
 
-func TestCardGetEmbedURLWithOptionalParams(t *testing.T) {
-	baseURL := "http://localhost:4010"
-	if envURL, ok := os.LookupEnv("TEST_API_BASE_URL"); ok {
-		baseURL = envURL
-	}
-	if !testutil.CheckTestServer(t, baseURL) {
-		return
-	}
+func TestCardGetEmbedURL_URLConstruction(t *testing.T) {
+	// Use fixed inputs to verify URL construction and signature
 	client := lithic.NewClient(
-		option.WithBaseURL(baseURL),
-		option.WithAPIKey("My Lithic API Key"),
+		option.WithBaseURL("https://sandbox.lithic.com"),
+		option.WithAPIKey("test-api-key-12345"),
 	)
-	_, err := client.Cards.GetEmbedURL(context.TODO(), lithic.CardGetEmbedURLParams{
-		Token:        lithic.F("182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e"),
-		Css:          lithic.F("string"),
-		Expiration:   lithic.F(time.Now()),
-		TargetOrigin: lithic.F("string"),
+
+	expiration, err := time.Parse(time.RFC3339, "2025-01-01T00:00:00Z")
+	if err != nil {
+		t.Fatalf("failed to parse expiration: %s", err.Error())
+	}
+
+	url, err := client.Cards.GetEmbedURL(context.TODO(), lithic.CardGetEmbedURLParams{
+		Token:        lithic.F("test-card-token-abc123"),
+		Css:          lithic.F("https://example.com/style.css"),
+		Expiration:   lithic.F(expiration),
+		TargetOrigin: lithic.F("https://example.com"),
 	})
 	if err != nil {
-		var apierr *lithic.Error
-		if errors.As(err, &apierr) {
-			t.Log(string(apierr.DumpRequest(true)))
-		}
 		t.Fatalf("err should be nil: %s", err.Error())
 	}
+
+	// Verify URL structure
+	if url.Scheme != "https" {
+		t.Errorf("expected scheme 'https', got '%s'", url.Scheme)
+	}
+	if url.Host != "sandbox.lithic.com" {
+		t.Errorf("expected host 'sandbox.lithic.com', got '%s'", url.Host)
+	}
+	if url.Path != "/v1/embed/card" {
+		t.Errorf("expected path '/v1/embed/card', got '%s'", url.Path)
+	}
+
+	// Verify query params exist
+	query := url.Query()
+	if query.Get("embed_request") == "" {
+		t.Error("expected 'embed_request' query param to be present")
+	}
+	if query.Get("hmac") == "" {
+		t.Error("expected 'hmac' query param to be present")
+	}
+
+	// Verify exact values to prevent signature regressions
+	expectedEmbedRequest := "eyJjc3MiOiJodHRwczovL2V4YW1wbGUuY29tL3N0eWxlLmNzcyIsImV4cGlyYXRpb24iOiIyMDI1LTAxLTAxVDAwOjAwOjAwWiIsInRhcmdldF9vcmlnaW4iOiJodHRwczovL2V4YW1wbGUuY29tIiwidG9rZW4iOiJ0ZXN0LWNhcmQtdG9rZW4tYWJjMTIzIn0="
+	expectedHmac := "tHf1AsLDIO7gHDA+N/3d5RT446tSmorVbjELGXF/UKQ="
+
+	if query.Get("embed_request") != expectedEmbedRequest {
+		t.Errorf("embed_request mismatch:\n  got:  %s\n  want: %s", query.Get("embed_request"), expectedEmbedRequest)
+	}
+	if query.Get("hmac") != expectedHmac {
+		t.Errorf("hmac mismatch:\n  got:  %s\n  want: %s", query.Get("hmac"), expectedHmac)
+	}
 }
 
 func TestCardProvisionWithOptionalParams(t *testing.T) {
diff --git a/internal/version.go b/internal/version.go
index a6eb9edd..a87bf824 100644
--- a/internal/version.go
+++ b/internal/version.go
@@ -2,4 +2,4 @@
 
 package internal
 
-const PackageVersion = "0.98.0" // x-release-please-version
+const PackageVersion = "0.98.1" // x-release-please-version