Banking as a Service and card issuing API
API-driven · USD accounts and IBANs · Multi-currency payments · Virtual and physical cards
Put banking and cards inside your own product.
Bring USD accounts, multi-currency payments and card issuance inside the platform you already run, sitting alongside everything else it does. The journey, the interface and the product decisions stay yours; accounts and cards are requested in code. Underneath, partners hold the licences, the sponsored BINs, the card network access and the compliance obligation.
Availability is limited by jurisdiction. India, the United States and a number of other countries are excluded — see the restricted country list before applying.
In short: Banking as a Service and Cards as a Service, delivered as APIs. You can open USD accounts and IBANs in code, hold and convert leading currencies, send remittances and payouts across borders, and issue virtual or physical cards whose spending rules you set programmatically. Sponsored BINs, card-issuing licences, Visa and Mastercard connectivity and KYB/KYC/AML all sit with regulated partners. It is closed to applicants connected to India, the United States and the other restricted countries listed below.
Why teams take the API
Teams usually choose the API because banking is one component of a wider experience they are stitching together, not the whole of it. Endpoints leave room that a finished product cannot. Where a business would rather launch than integrate, a ready-branded platform with nothing to build is the better fit.
Two APIs, one integration
BaaS API
Banking infrastructure embedded in your platform: holding money, moving it, and the checks that surround both.
- Open USD accounts and IBANs in code
- Multi-currency accounts for holding, converting and sending
- Remittances and payouts that cross borders
- Automated KYB, KYC and AML checks, called inside your flow
- Tooling for treasury work and reconciliation
Card issuing API
Create cards, run them and hold the controls entirely through API calls, with none of the card-network plumbing to build yourself.
- Cards issued virtually or physically, on demand
- Spending caps and merchant-category rules
- Instant freeze or unfreeze, with permissions set card by card
- Controls across ATM, POS and online use, plus tokenisation
- Accepted worldwide anywhere Visa and Mastercard are
Building blocks you can combine
Use only the pieces your product lacks, behind an interface you control.
API-driven integration
Your app, your website or your existing banking system links through to accounts, payments and card issuance.
USD and multi-currency
USD accounts and IBANs are opened on request, with leading currencies held or converted as needed.
Payments and payouts
Money comes in and goes out internationally, with competitive FX and a choice of settlement options.
Card issuing
Cards go live immediately, virtual or physical, and everything after that is managed through the API.
Programmatic controls
Limits, restrictions and permissions are defined card by card, in code rather than by ticket.
Compliance by partners
Regulated partners carry KYB, KYC and AML, along with BIN sponsorship and licensing.
One integration, issuance whenever you need it
Your platform connects once. After that, accounts and cards are created programmatically and transactions clear across the global networks.
Connect
Your app, website or banking system is wired to the API.
Create
Accounts and IBANs are opened, and virtual or physical cards issued, as you need them.
Process
Payments and authorisations clear in real time across the global Visa and Mastercard networks.
Monitor
Fraud detection, risk monitoring and reconciliation run continuously behind every transaction.
The regulated weight sits with licensed partners
You build the product. Four things run underneath it, and none of them are yours to operate:
BIN sponsorship and licensing
The card-issuing licences and sponsored BINs that make issuing cards lawful in the first place.
Card network connectivity
The Visa and Mastercard connections that carry every transaction are maintained for you.
KYC and AML compliance
Checking who your customers are, and watching transactions afterwards, to the standard regulators require.
Settlement and reconciliation
Moving funds, clearing them, and matching transactions back to balances and reports.
What a call looks like
Provisioning happens inside your own flow. Accounts and cards are requested through clean endpoints, not through a console someone has to log into.
# Create a USD account for your user POST /v1/accounts { "currency": "USD", "holder": "Your Customer Ltd", "type": "iban" } # Issue a card against it POST /v1/cards { "account_id": "acc_8f2a…", "form": "virtual", "controls": { "atm": false } }
The samples above are illustrative; the full reference follows once an engagement begins.
Eligibility and restricted countries
Jurisdiction is the first filter, applied before anything else. Applicants connected to the countries below cannot be onboarded to this programme. India and the United States are both on the list, so the API is not available to businesses incorporated in either.
Applicants from these countries cannot be onboarded. Entries marked * are subject to specific conditions — contact us before applying.
- Afghanistan
- Algeria
- Angola
- Belarus
- Bulgaria
- Burkina Faso
- Cameroon
- Canada *
- Central African Republic
- China *
- Côte d'Ivoire
- Croatia
- Cuba
- Democratic People's Republic of Korea
- Democratic Republic of Congo
- Ethiopia
- Guinea-Bissau
- Haiti
- India
- Iran
- Iraq
- Kenya
- Lebanon
- Libya
- Mali
- Monaco
- Mozambique
- Myanmar
- Namibia
- Nigeria
- Philippines
- Russia *
- Rwanda
- Sierra Leone
- Somalia
- South Africa
- South Sudan
- Sudan
- Syria
- Tanzania
- Turkey
- Ukraine
- United States of America *
- Venezuela
- Yemen
Russia: residents are prohibited. Russian citizens resident elsewhere may be considered, subject to enhanced due diligence.
This list governs the Banking as a Service and card issuing programme on this page. Other Monvenience products are subject to their own eligibility rules.
Both incorporation and ownership are assessed
Where the company is registered matters, and so does where its beneficial owners hold citizenship or residence. A structure can be excluded on the ownership chain alone, even where the entity itself sits in a permitted country.
Restricted industries apply
Some sectors are closed off entirely by regulatory and card scheme rules. Higher-risk profiles that are permitted still face enhanced due diligence.
Secure by design
Programmes are issued through regulated partners on PCI DSS compliant infrastructure, with fraud monitoring and dispute handling included as standard.
Frequently asked questions
What is Banking as a Service?
Banking as a Service is an arrangement where regulated institutions expose their account, payment and card infrastructure through APIs, so another company can offer those capabilities inside its own product. The company using the API owns the brand and the customer experience. The regulated partner holds the licence and carries the compliance obligation.
What can I build with the API?
Accounts in USD and other currencies, IBANs, payments and payouts that cross borders, and card issuance in virtual or physical form with spending rules controlled in code. All of it composed into your own product and your own interface.
How is the API different from a ready-made white-label platform?
With the API you take components and wire them into the rest of your stack, which is where the flexibility comes from. A ready white-label platform is the opposite: branded, finished, nothing to build. Product and fintech teams tend to pick the API; businesses without engineers tend to pick the white-label route.
Do I handle compliance and card licensing?
No. Sponsored BINs, card-issuing licences, network connectivity and KYC/AML all sit with the regulated partners beneath the programme. Your side is the integration; theirs is the regulated layer. Monvenience is not a bank and does not itself provide banking services.
Which card networks are supported?
Both virtual and physical cards are issued on the Visa and Mastercard networks, and are accepted globally on that basis.
Which countries are excluded from this programme?
Forty-five countries are restricted, including India, the United States, Canada, China, Russia, Turkey, Nigeria, South Africa and the Philippines, alongside sanctioned jurisdictions such as Iran, Cuba, Syria and North Korea. Canada, China, Russia and the United States carry conditional entries, meaning an application may be possible in specific circumstances but must be discussed first. Both the country of incorporation and the citizenship or residence of the beneficial owners are assessed.
Can an Indian company access the API?
No. India is a restricted country for this programme, so businesses incorporated in India cannot be onboarded, and the same applies where Indian residency appears in the beneficial ownership chain. This restriction covers the Banking as a Service and card issuing programme on this page only; other Monvenience products are governed by their own eligibility rules.
Which industries cannot be onboarded?
Sectors prohibited under regulatory and card scheme rules cannot be onboarded, whatever the jurisdiction. Permitted but higher-risk profiles are accepted only after enhanced due diligence. Eligibility on both country and industry is confirmed during onboarding.
Monvenience facilitates branded account, payment and card programmes issued through regulated banking and card platforms. Monvenience is not a bank and does not itself provide banking services. Availability and features depend on jurisdiction, industry and the outcome of onboarding checks.
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