Complete Card Issuing Infrastructure for Fintech Innovation

In today's competitive financial landscape, speed-to-market is critical. Monvenience eliminates the complexity of becoming a licensed card issuer by providing a turnkey white label card issuing platform. We handle the regulatory licensing (EMI), Mastercard/Visa network agreements, PCI DSS compliance, and backend processing. You deliver a seamless, branded payment experience to your customers.

Whether you're a neobank, payroll provider, expense management platform, gig economy app, or crypto exchange, our flexible API supports virtual and physical debit, prepaid, and corporate card programs tailored to your specific use case.

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Custom-branded Mastercard debit card issued via white label platform

Why Choose Our White Label Card Issuing Solution?

Powerful Issuing API

Full control via a single RESTful API. Issue cards, manage KYC, set spending limits, handle disputes, and access real-time analytics. Supports webhooks for instant transaction notifications.

Rapid Integration

Launch in weeks, not years. Avoid the 12-18 month process and 7-figure costs of obtaining your own card scheme licenses. Our sandbox environment gets your developers started immediately.

End-to-End Management

We manage the entire card lifecycle: BIN sponsorship, fraud monitoring (with AI rules), chargeback processing, card production, embossing, packaging, and global delivery.

Full Brand Customization

Your brand at the forefront. Custom card designs (plastic, metal, recycled), packaging, cardholder communications, and dedicated IBANs. White label mobile app SDK available.

Comprehensive Card Program Features

Our platform is built for scalability and security, providing everything you need to run a successful card program.

Virtual & Physical Cards: Instant virtual card issuance for online spending, with physical card delivery worldwide.
Advanced Security: 3D Secure 2.0, tokenization (Apple Pay, Google Pay), biometric authentication, and dynamic CVV.
Real-time Controls: Card freezing/unfreezing, spending limit management (by merchant category, geography, transaction type).
Funding & Settlement: Flexible funding options (wallet, bank transfer, crypto). Daily settlement reports and reconciliation files.
Compliance Built-in: Integrated KYC/AML checks, transaction monitoring, sanction screening, and audit trails.
Detailed Reporting: Real-time dashboards, transaction history, and customizable statements for cardholders.

Ideal for: Expense management, vendor payments, payroll, rewards & incentives, travel programs, and crypto off-ramping.

Card program management dashboard and controls

PCI DSS Compliant Payment Processing

Monvenience operates a Level 1 PCI DSS certified processing platform. We handle the heavy lifting of payment network integration, transaction authorization, clearing, and settlement, so you don't have to.

Scheme Network Access

Direct connectivity to Mastercard and Visa networks for optimal authorization rates and faster settlement.

Fraud & Risk Management

AI-powered fraud scoring, velocity checks, and manual review tools to minimize losses without disrupting genuine customers.

Dispute Resolution

Full chargeback and dispute management service, handling the entire process from retrieval requests to arbitration.

Global Card Production

Partner network for high-quality card manufacturing, personalization, and secure delivery to cardholders in 50+ countries.

Mastercard and Visa payment network partnership

BIN Sponsorship & Scheme Licensing Simplified

Navigate the complex world of payment scheme rules with an expert partner. As an authorized Electronic Money Institution (EMI), Monvenience provides the essential BIN sponsorship and underlying regulatory framework. This allows you to issue cards under our Mastercard and Visa licenses, bypassing capital requirements and lengthy approval processes. We ensure your program adheres to all latest scheme mandates (including SCA/PSD2).

Launch Your Card Program: A Streamlined 6-Step Process

1

Strategy & Scoping

Initial consultation to define your target market, card type (debit/prepaid/corporate), and desired features.

2

Commercial & Legal

Sign partnership agreement. We conduct due diligence and compliance checks on your entity.

3

Technical Integration

Access our API documentation, sandbox environment, and SDKs. Integrate card issuance and management into your platform.

4

Design & Branding

Finalize card design (virtual & physical), packaging, and customer communication templates.

5

Testing & Certification

End-to-end testing in the sandbox, followed by certification for live transaction processing.

6

Go-Live & Scale

Launch your card program. Our dedicated support team provides ongoing operational, compliance, and technical assistance as you scale.

Frequently Asked Questions (FAQ)

What is white label card issuing/BIN sponsorship?

White label card issuing allows your company to offer payment cards under your own brand without becoming a licensed card issuer yourself. We (the sponsor) provide our Mastercard/Visa license (BIN ranges), regulatory compliance, and processing infrastructure. You control the customer experience, branding, and product design. It's the fastest route to market for embedded finance products.

What types of cards can we issue?

Our platform supports a wide range: Consumer debit cards (linked to an account/wallet), prepaid cards (for budgets, rewards, gig worker payouts), corporate cards (for employee expenses, vendor payments), and single-use virtual cards (for online subscriptions, travel). All cards are contactless (NFC) and can be added to digital wallets.

What are the typical timelines and costs?

Timeline: From signed agreement to first live card in 4-6 weeks for standard programs. Costs: We operate a transparent B2B SaaS model. Costs typically include a setup fee, monthly platform fee, and per-card transaction fees. We avoid revenue sharing on interchange, so you keep more of your card program's earnings. Contact us for a detailed proposal.

Is this service available globally?

Our EMI license allows us to sponsor programs for entities incorporated in the European Union/EEA. We can issue cards to cardholders globally, subject to local regulations and sanction checks. Please contact us to discuss your specific geographic requirements.

Ready to Launch Your Card Program?

Contact our partnership team today. Discuss your project, receive a customized solution brief, and get access to our API documentation.

Country of Incorporation

Are any of the UBOs a citizen of USA? YES NO

Are you Regulated or Financially Licensed? YES NO

White label card issuing platform infrastructure