Scheme access without membership
Issue on Visa and Mastercard rails without the years-long path to principal membership.
Program Enablement
BIN Sponsorship
No scheme membership. One API. Launched under your brand.
The fastest route from card idea to live program. Launch under sponsored BIN arrangements — with scheme certification and compliance handled — instead of spending years acquiring your own memberships.
Launch checklist
- Program review
- Onboarding & KYB
- Certification
- Pilot & scale
- 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 program enablement 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
- Program review
- Onboarding & KYB
- Certification
- Pilot & scale
Same program. One partner, one API and one contract.
Capabilities
What sponsorship unlocks
Everything here runs on the same NetPay rails, API and dashboard.
Faster time to market
Programs typically reach a live pilot in weeks because network and regulatory groundwork already exists.
Certification handled
Scheme certification requirements are managed as part of program onboarding.
Compliance framework
Operate inside an established KYC/KYB, AML monitoring and reporting structure from day one.
Room to grow
Start sponsored; explore dedicated BIN ranges as your program scales.
One partner
Sponsorship, processing, program management and APIs come as one integrated platform.
How it works
Launching under a sponsored BIN
A guided path. We carry the regulated heavy lifting so your team ships the product.
Program review
Your product, markets and funding model are scoped against sponsor requirements.
Onboarding & KYB
Business verification and compliance setup run in parallel with integration.
Certification
Scheme-facing certification is completed on your behalf.
Pilot & scale
Launch to first users in weeks; expand markets and products from there.
Who it's for
Built for teams that move money.
- Fintech startups
- Neobanks
- Crypto platforms
- Lending products
- Payroll providers
- Any brand launching cards
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 |
Why not get our own BIN and scheme membership?
Direct membership demands regulatory permissions, capital requirements, scheme certification and ongoing compliance obligations that typically take years to establish. Sponsorship gives you the same issuing capability in a fraction of the time, with the option to revisit dedicated arrangements at scale.
Whose name appears on the card?
Yours. BIN sponsorship is invisible to cardholders — the card design, app and customer relationship are entirely your brand.
How long does launch take under BIN sponsorship?
Most partners go from kick-off to a live pilot in weeks, since BIN, certification and compliance foundations are already in place.
Launch program enablement under your brand.
Tell us what you're building and we'll scope the right program and rails with you.