Payment Infrastructure for Fintechs
Ship financial products, not infrastructure projects. NetPay gives fintech teams the issuing rails, accounts and payment APIs to launch cards, IBANs and money movement under their own brand — without years of scheme, banking and compliance groundwork.
What does fintech payment infrastructure include?
Fintech payment infrastructure is the regulated plumbing a financial product runs on: card issuing rails with scheme access, account structures such as virtual IBANs, payment rails like SEPA and SWIFT, KYC/KYB onboarding, transaction monitoring, and the APIs that expose all of it to the product. Buying this as a platform lets a fintech launch in weeks and keep its engineering focused on customer experience.
The stack fintechs launch on
White-label card programs
Branded Visa & Mastercard issuing — virtual and physical — with BIN sponsorship and scheme certification handled in onboarding.
Accounts & virtual IBANs
Named IBAN accounts with SEPA and SWIFT rails so your users can receive, hold and send like a bank account.
One API for money movement
Issue cards, open accounts, move funds and stream webhooks from the same developer-first REST API.
Compliance built in
KYC/KYB flows, AML transaction monitoring and role-based access on PCI DSS Level 1 certified systems.
Multi-currency reach
Coverage across 150+ countries with settlement in 35+ currencies.
Real-time data
Authorizations, clearing and settlement events pushed to your ledger the moment they happen.
How fintechs go live with NetPay
- 1
Scope the product
Cards, accounts, payments — define what your first release needs.
- 2
Onboard once
KYB, compliance setup and scheme groundwork handled with one partner.
- 3
Build in sandbox
Integrate issuing, accounts and webhooks against test rails.
- 4
Launch and iterate
Go live in weeks, then add products from the same platform.
Fintech products we power
Frequently asked questions
Do we need our own licenses to launch a fintech card product?
For most use cases, no. Programs run on NetPay's infrastructure and sponsored scheme arrangements, so your team operates the brand and product while the regulated groundwork sits with the platform. Specific requirements depend on your markets and are confirmed during onboarding.
How is this different from building on a bank directly?
Banks provide accounts; they rarely provide issuing APIs, program management, webhooks and sandbox tooling. A fintech infrastructure platform packages the banking rails and the developer product together, which is why launches take weeks instead of years.
Can we start with one product and expand?
Yes. Many partners launch cards first and add virtual IBANs and payouts later — everything shares the same API, onboarding and reporting.
What does integration effort look like?
A documented REST API with webhooks and sandbox access. Typical first integrations cover cardholder creation, card issuance and transaction webhooks — the same endpoints documented in our API docs.
Related pages
Ready to launch with NetPay?
Tell us what you're building — our team will map the fastest route from scoping to a live program.
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