Your brand on every card
Custom card art, your name in the wallet, your app in front of the customer. Virtual and physical form factors from one program.
White Label Cards
White Label Card Issuing Infrastructure
No scheme membership. One API. Launched under your brand.
Put your brand on every card. NetPay provides the issuing rails, program management and compliance workflows so you can launch branded Visa and Mastercard programs without building regulated card infrastructure yourself.
Your program
- Your brand on every cardCustom card art, your name in the wallet, your app in front of the customer. Virtual and physical form factors from one program.
- Visa & Mastercard programsIssue on the world's most accepted card networks, with scheme certification and BIN sponsorship arranged as part of onboarding.
- Program management consoleControl card lifecycle, spending rules, limits and cardholder support from a single dashboard — or drive everything through the API.
- Built-in complianceKYC/KYB onboarding flows, AML transaction monitoring and role-based access controls ship with every program on PCI DSS Level 1 certified systems.
Launch checklist
- Scope your program
- We arrange the rails
- Integrate the API
- Go live and 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 white label cards 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 your program
- We arrange the rails
- Integrate the API
- Go live and scale
Same program. One partner, one API and one contract.
Capabilities
Launch your own branded card program
Everything here runs on the same NetPay rails, API and dashboard.
Visa & Mastercard programs
Issue on the world's most accepted card networks, with scheme certification and BIN sponsorship arranged as part of onboarding.
Program management console
Control card lifecycle, spending rules, limits and cardholder support from a single dashboard — or drive everything through the API.
Built-in compliance
KYC/KYB onboarding flows, AML transaction monitoring and role-based access controls ship with every program on PCI DSS Level 1 certified systems.
Multi-currency support
Cards that spend across borders, backed by multi-currency balances and settlement in 35+ currencies.
Real-time data
Webhooks stream authorizations, clearing and settlement events to your systems as they happen, so ledgers and apps stay in sync.
How it works
How white label card issuing works
A guided path. We carry the regulated heavy lifting so your team ships the product.
Scope your program
Define the card product — debit, prepaid or corporate; virtual, physical or both; markets and currencies.
We arrange the rails
BIN sponsorship, scheme certification and compliance setup are handled for you during onboarding.
Integrate the API
Create cardholders, issue cards and set controls through REST endpoints, tested first in the sandbox.
Go live and scale
Launch to customers in weeks, then add markets, currencies and card products as the program grows.
Who it's for
Built for teams that move money.
- Fintechs & neobanks
- Forex brokers
- Crypto platforms
- Payroll providers
- Marketplaces
- Lending & BNPL products
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 a fintech launch branded cards without becoming a regulated issuer?
Yes. With white label issuing, the platform and its sponsoring partners hold the scheme relationships and regulatory permissions. Your business operates the brand and customer relationship while NetPay runs the issuing infrastructure underneath.
Can NetPay issue both physical and virtual cards?
Yes. Programs can combine instant virtual issuance for immediate use with physical card fulfilment for everyday spending — both managed from the same program and API.
How long does it take to launch a white label card program?
Most partners move from kick-off to a live pilot in weeks rather than months, because BIN sponsorship, scheme certification and compliance onboarding are handled as part of the platform.
What is the difference between card issuing and card processing?
Issuing is creating and managing the card itself — the account, credentials, controls and cardholder relationship. Processing is executing transactions on that card: authorization, clearing and settlement with the card networks. NetPay's platform covers both sides for your program.
Do I need my own BIN to launch?
No. Programs typically launch under sponsored BIN arrangements included in onboarding, which is dramatically faster than acquiring your own BIN. Dedicated BIN options can be discussed for large programs.
Launch white label cards under your brand.
Tell us what you're building and we'll scope the right program and rails with you.