White Label Prepaid Card Platform — Launch Your Branded Mastercard® Program
Issue branded virtual, plastic, and metal prepaid Mastercards under your own name on a complete white label card issuing platform. Built for fintechs, neobanks, Web3 platforms, payroll and expense providers, and for licensed institutions adding a branded card program — with BIN sponsorship, USD settlement, program management, and compliance handled for you. No banking licence required.
A Branded Card Program Without Becoming a Card Issuer
There are two ways to put a card program in place: become a principal member of the Mastercard network yourself, or launch on a white label prepaid card platform that already holds the network access and licensing. The first route takes 12–18 months and seven-figure cost. The second lets you go to market in weeks. Monvenience handles the BIN sponsorship, the licensed EMI relationship, PCI DSS-level processing and scheme compliance — you keep the brand, the card design, and the customer relationship.
Looking for the broader issuing solution including debit cards and dedicated IBANs? See our white label card issuing platform and white label IBAN solution.
🏢 Built for Licensed Institutions and Non-Licensed Fintechs
Non-Licensed Fintechs & Brands
No banking or EMI licence of your own? Issue branded prepaid cards under Monvenience BIN sponsorship and our licensed EMI principal. Ideal for neobanks, Web3 and crypto platforms, payroll apps, expense tools, marketplaces, and gig-economy platforms launching their first card product.
Licensed EMIs & Payment Institutions
Already regulated? Add a branded Mastercard program to your existing stack and run it within your own permissions. Use our processing, program management, card production and compliance tooling to ship faster without rebuilding issuing infrastructure in-house.
✨ White Label Card Program Features
- Settlement Currency: USD — one of the most widely accepted global currencies.
- Global Issuance: branded cards in more than 180 countries.
- Ready-to-launch Dashboards — white-label admin and cardholder interfaces.
- Corporate Payroll & Expense Program — full suite for payroll disbursement and expense management.
- Customisable Fee Table — tailor fees, interchange share, and margins.
- Pre-KYC Card Usage — optional pre-KYC limits for faster onboarding.
- Virtual, Plastic & Metal Cards — including premium metal cards.
- Google Pay™ Integration — tokenised digital wallet ready.
- Branded Card Design — full custom design reflecting your corporate identity.
- Issuance Jurisdiction: Singapore — robust regulatory environment.
- Admin Dashboard for real-time oversight, transaction monitoring, and card controls.
- API-first Architecture — seamless integration with your existing systems.
📊 Mastercard Standard Limits (per card)
| Transaction Type | Limit |
|---|---|
| Maximum Single Purchase (in-store/online) | $250,000 |
| Daily Purchase Limit | $500,000 |
| Monthly Purchase Limit | $2,000,000 |
| Annual Purchase Limit | $10,000,000 |
| ATM Single Withdrawal | $1,500 |
| ATM Daily Withdrawal Limit | $3,000 |
| ATM Monthly Withdrawal Limit | $15,000 |
| ATM Annual Withdrawal Limit | $50,000 |
| Maximum Daily Transaction Count | 100 transactions/day |
🚫 Prohibited Industries
The following industries are strictly prohibited from onboarding onto the Monvenience white label card program:
- ❌ Shell company / Shell banks
- ❌ Atomic power
- ❌ Unregulated charities
- ❌ Red light business / adult entertainment
- ❌ Marijuana / cannabis (any form)
- ❌ Gambling (unlicensed or any form)
- ❌ Non-regulated banking/finance in non-FATF member jurisdiction
- ❌ Illegal wildlife trade
- ❌ Illegal logging and timber trade
- ❌ Waste trafficking & illegal storage/disposal
- ❌ Unlicensed money service businesses (without proper registration)
⚠️ High Risk Industries (Enhanced Due Diligence required)
Entities in these categories may be onboarded only after rigorous EDD and compliance review:
- Money or Value Transfer Services (MVTS)/MSB
- Money Changing & Remittance Services
- Regulated casinos & casino junkets
- Virtual Currencies (crypto exchanges, custodians)
- Regulated banking/finance in non-FATF member jurisdiction
- Correspondent Banks
- Payment Service Providers (PSPs)
- PEPs Nexus / PEP Related / Close Associate
- Arms, defense & military
- Precious metals and stones
- Non-profit organizations (charities, foundations, cultural associations, private education, religious orgs, health institutions, welfare orgs)
- Non-Government Organizations (NGOs)
- Embassies / Consulates
- Art/Antique dealers, auction houses & high-value goods traders
- Corporate Services Providers
- Real Estate
- Licensed Trust Companies
- External Asset Managers
🌍 Geographic Reach & Country Compliance
Allowed Countries: The Monvenience white label prepaid card program is accessible in 180+ countries worldwide (including major financial hubs).
🚫 Restricted Countries (22 countries – prohibited from onboarding)
Due to sanctions, regulatory restrictions, or high-risk factors, the following jurisdictions are not permitted:
| # | Restricted Country |
|---|---|
| 1 | Afghanistan |
| 2 | Belarus |
| 3 | Burundi |
| 4 | Central African Republic |
| 5 | Cuba |
| 6 | Crimea (occupied region) |
| 7 | Donetsk & Luhansk (Ukraine) |
| 8 | Iran |
| 9 | Iraq |
| 10 | Lebanon |
| 11 | Libya |
| 12 | Mali |
| 13 | Myanmar (Burma) |
| 14 | North Korea (DPRK) |
| 15 | Russia |
| 16 | Somalia |
| 17 | South Sudan |
| 18 | Sudan |
| 19 | Syria |
| 20 | Venezuela |
| 21 | Yemen |
| 22 | Zimbabwe |
⚠️ High-Risk Countries (21 countries – EDD Mandatory)
Entities from the following jurisdictions are subject to Enhanced Due Diligence (EDD) before onboarding:
| # | High-Risk Country |
|---|---|
| 1 | Albania |
| 2 | Barbados |
| 3 | Burkina Faso |
| 4 | Cambodia |
| 5 | Cayman Islands |
| 6 | Democratic Republic of Congo |
| 7 | Gibraltar |
| 8 | Haiti |
| 9 | Jamaica |
| 10 | Jordan |
| 11 | Malta |
| 12 | Mauritius |
| 13 | Monaco |
| 14 | Morocco |
| 15 | Namibia |
| 16 | Nigeria |
| 17 | Panama |
| 18 | Philippines |
| 19 | Senegal |
| 20 | Turkey |
| 21 | Uganda |
📄 Program Onboarding & Commercials
Partner Onboarding Fee
Competitive and transparent fee structure tailored to partner type: volume-based or fixed setup. Custom pricing available for high-volume programs. No hidden charges.
Annual platform fee: depends on card volume and feature set. White-label dashboards, API access, and dedicated support included.
Program Commercials
- Interchange sharing model
- Configurable cardholder fees (annual, monthly, issuance)
- FX & cross-border margins
- ATM fee customization
- Revenue share for program managers
Standard and custom commercial plans available. Contact us to design your profitable card program.
🏢 Corporate Payroll & Expense Program
Monvenience powers businesses with comprehensive tools to disburse salaries, manage employee expenses, and control corporate spending. The white label program includes dedicated expense management features:
- Instant virtual card issuance for employees & contractors
- Real-time spend tracking and policy controls
- Automated reconciliation and reporting dashboards
- Integration with HRMS and accounting platforms (API)
- Pre-KYC spending allowance for rapid deployment
Why Brands Choose Monvenience for White Label Card Programs
From Legacy Corporate Cards to API-First Programs
The shift from traditional corporate cards to modern, API-first programs is accelerating. Finance teams need real-time visibility, programmable spending controls, and global acceptance without the friction of legacy banks. Our white label card program solves these challenges by embedding compliance, funding flexibility, and detailed reporting directly into your workflow.
Key operational benefits:
- Unified Treasury Management: Consolidate global spending, from marketing subscriptions to cloud infrastructure, on a single platform.
- Programmable Spend Policies: Set dynamic limits by department, merchant category (e.g., block gambling, allow travel), or transaction value. Rules apply instantly to virtual and physical cards.
- Automated Reconciliation: Each transaction enriches with metadata (e.g., cost center, project code, invoice number), reducing month-end close from days to hours.
For Web3 and crypto-forward companies, the ability to pre-fund cards using USDT or USDC while settling in USD removes a major operational hurdle. Your users can spend stablecoin balances anywhere Mastercard is accepted, without manual off-ramping through an exchange.
Technical & Compliance Advantages
Infrastructure Built for Scale and Security
Monvenience operates a PCI DSS Level 1 certified processing environment. Every transaction, from card issuance to settlement, adheres to Mastercard’s security standards. Our API supports real-time webhooks, so your platform receives instant notifications for authorizations, declines, and settlement.
Compliance and risk management features:
- Automated KYC/KYB: Integrated identity verification for corporate entities and individual cardholders. Supports entity structures from sole proprietorships to multinational groups.
- Sanctions & Watchlist Screening: Real-time screening against global sanctions lists (OFAC, UN, EU, UK HM Treasury) for every transaction and party.
- AI-driven Fraud Prevention: Machine learning models analyze spending patterns to flag anomalies. Custom rules allow you to approve, review, or decline suspicious activity.
- Dispute & Chargeback Management: Dedicated team handles the full lifecycle of Mastercard dispute resolution, from retrieval requests to pre-arbitration.
Frequently Asked Questions
What is a white label prepaid card platform?
A white label prepaid card platform lets your company issue prepaid Mastercards under your own brand without becoming a licensed card issuer yourself. Monvenience provides the Mastercard BIN sponsorship, regulatory framework, processing and program management, while you own the brand, the card design and the customer relationship. It is the fastest route to market for an embedded finance or branded card product.
Do I need a licence to launch a card program on this platform?
No. You do not need your own banking or EMI licence. Monvenience acts as the BIN sponsor and works with a licensed EMI principal so you can issue branded cards directly to your users. We also support already-licensed institutions and payment companies that want to add a branded card program to their existing stack, with the program structured to fit your own regulatory permissions.
What types of cards can I issue?
The platform supports virtual prepaid cards for instant online spending, physical plastic cards, and premium metal cards, all under your own branding. Cards are contactless and ready for tokenisation into Google Pay. Programs can be configured for corporate, payroll, expense, rewards and gig-worker payout use cases.
Which industries and countries can be onboarded?
The program is accessible in more than 180 countries. Certain industries are strictly prohibited and others are accepted only after Enhanced Due Diligence. Twenty-two countries are restricted from onboarding and twenty-one are treated as high-risk requiring Enhanced Due Diligence. The lists change in line with sanctions and FATF statements, so the latest position is confirmed by the Monvenience compliance team.
What does it cost and how long does it take to launch?
Pricing follows a transparent B2B model with a setup fee, a monthly platform fee and per-card fees, with custom pricing available for high-volume programs and no hidden charges. Standard branded prepaid card programs typically go live in a matter of weeks rather than the years and seven-figure cost of obtaining your own scheme licence.
📢 Launch Your White Label Card Program Today
Whether you are a fintech, crypto platform, neobank, global enterprise, or a licensed institution adding a branded card program — Monvenience provides end-to-end white label card issuing infrastructure. Get in touch to discuss your volume, custom limits, and branding.
✉️ info@monvenience.comAll inquiries receive a dedicated program manager within 24 hours.
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