Named IBAN accounts
Every customer gets dedicated account details for salaries and transfers, with automatic reconciliation.
Neobanks
Neobank Infrastructure
No scheme membership. One API. Launched under your brand.
Everything a digital bank needs under its own brand: accounts customers can be paid into, cards they spend with every day, and payment rails that reach the world — assembled on one platform instead of a dozen vendor integrations.
Your program
- Named IBAN accountsEvery customer gets dedicated account details for salaries and transfers, with automatic reconciliation.
- Daily-driver cardsInstant virtual cards at signup, premium branded plastic to follow — one account behind both.
- Payments in & outSEPA and SWIFT transfers plus multi-currency balances across 35+ currencies.
- Onboarding & complianceKYC flows, AML transaction monitoring and controls that scale from first user to first million.
Launch checklist
- Define the proposition
- One onboarding
- Build your app
- Launch in weeks
- 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 neobanks 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
- Define the proposition
- One onboarding
- Build your app
- Launch in weeks
Same program. One partner, one API and one contract.
Capabilities
The four layers, one platform
Everything here runs on the same NetPay rails, API and dashboard.
Daily-driver cards
Instant virtual cards at signup, premium branded plastic to follow — one account behind both.
Payments in & out
SEPA and SWIFT transfers plus multi-currency balances across 35+ currencies.
Onboarding & compliance
KYC flows, AML transaction monitoring and controls that scale from first user to first million.
Spending controls & alerts
Real-time authorization rules and webhook-driven notifications power the in-app experience users expect.
Program operations
Dashboards for support, disputes and reporting so your ops team runs the bank day to day.
How it works
From brand to live neobank
A guided path. We carry the regulated heavy lifting so your team ships the product.
Define the proposition
Markets, currencies, card products and account features.
One onboarding
KYB, compliance and scheme setup with a single partner.
Build your app
Your UX on top of accounts, cards and payments APIs — sandbox first.
Launch in weeks
Pilot, iterate and scale without re-platforming.
Who builds on this
Built for teams that move money.
- Consumer neobanks
- SME & freelancer banks
- Teen & family banking
- Expat & migrant banking
- Crypto-native neobanks
- Brand-led financial apps
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 |
Can we launch a neobank without a banking license?
Many neobanks launch on partner infrastructure rather than their own license: the platform and its sponsors hold the regulated relationships while the neobank owns brand, app and customers. Licensing strategy for your specific markets is scoped during onboarding.
How long does it take to launch a neobank on NetPay?
Partners typically reach a live pilot in weeks because accounts, card rails, compliance workflows and APIs already exist — the timeline is driven by your app build, not by infrastructure.
Can customers receive their salary into the account?
Yes — every customer can have named IBAN details that receive SEPA and SWIFT credits, with events streamed to your app the moment funds land.
What makes card experience 'neobank-grade'?
Instant virtual issuance at signup, real-time spending notifications from authorization webhooks, in-app freeze and controls, and branded physical cards — all standard capabilities of the issuing platform.
Build your neobanks product on NetPay.
Tell us what you're building and we'll scope the right program and rails with you.