White-label card programs
Branded Visa & Mastercard issuing — virtual and physical — with BIN sponsorship and scheme certification handled in onboarding.
Fintech
Payment Infrastructure for Fintechs
No scheme membership. One API. Launched under your brand.
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.
Your program
- White-label card programsBranded Visa & Mastercard issuing — virtual and physical — with BIN sponsorship and scheme certification handled in onboarding.
- Accounts & virtual IBANsNamed IBAN accounts with SEPA and SWIFT rails so your users can receive, hold and send like a bank account.
- One API for money movementIssue cards, open accounts, move funds and stream webhooks from the same developer-first REST API.
- Compliance built inKYC/KYB flows, AML transaction monitoring and role-based access on PCI DSS Level 1 certified systems.
Launch checklist
- Scope the product
- Onboard once
- Build in sandbox
- Launch and iterate
- PCI DSS Level 1 systems
- Visa & Mastercard programs
- 150+ countries
- 35+ currencies
The problem
Launching payments usually means building a bank first.
The product is rarely the hard part. The dependencies are: scheme membership, a sponsor bank, a certified PCI environment and a stack of vendors, each with its own queue.
Scheme membership is a project in itself.
Going to Visa or Mastercard directly means capital requirements, audits and a sponsor bank before a single card ships.
Compliance becomes a second product.
PCI DSS, KYC, AML monitoring and disputes each need their own people, vendors and audit cycles.
Every vendor is another integration.
Processor, ledger, KYC and payout providers each bring their own API, contract and failure modes.
Run it yourself
One program, two ways to launch it.
Launch fintech under your brand Ready
Building it with a bankIdle: press Launch the program
- Apply for card scheme membership
- Negotiate a sponsor bank and BIN
- Build and certify a PCI DSS environment
- Integrate processor, KYC and ledger vendors
- Wait for scheme certification
Every dependency sits in another team's queue, and you still own the audits.
Launching it on NetPayIdle: press Launch the program
- Scope the product
- Onboard once
- Build in sandbox
- Launch and iterate
Same program. One partner, one API and one contract.
Capabilities
The stack fintechs launch on
Everything here runs on the same NetPay rails, API and dashboard.
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 it works
How fintechs go live with NetPay
A guided path. We carry the regulated heavy lifting so your team ships the product.
Scope the product
Cards, accounts, payments — define what your first release needs.
Onboard once
KYB, compliance setup and scheme groundwork handled with one partner.
Build in sandbox
Integrate issuing, accounts and webhooks against test rails.
Launch and iterate
Go live in weeks, then add products from the same platform.
Fintech products we power
Built for teams that move money.
- Consumer finance apps
- SME banking products
- Expense management tools
- Lending & BNPL platforms
- Wealth & investing apps
- Vertical SaaS adding payments
How we compare
How NetPay compares.
Every option gets you to a live program eventually. The rows show what each one asks of your team.
| Capability | NetPay | Build in-house | Legacy processor |
|---|---|---|---|
| Card scheme membership | Not needed, we sponsor | Required | Usually required |
| PCI DSS scope | On our Level 1 systems | Yours to certify | Shared with you |
| Cards, IBANs and payouts | One platform | Separate vendors | Cards only |
| Integration | One REST API and webhooks | Several vendor APIs | Batch files, legacy APIs |
| Sandbox before launch | Full sandbox | Build your own | Limited |
| Your brand | Every card, app and statement | Yes | Often co-branded |
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.
Build your fintech product on NetPay.
Tell us what you're building and we'll scope the right program and rails with you.