WhitelabelCard is an end-to-end white-label card issuing platform. We provide BIN sponsorship, virtual and physical Visa and Mastercard programs, real-time webhooks, Apple Pay and Google Pay tokenisation, EU IBAN, and a multi-currency ledger — for fintechs, neobanks, crypto exchanges, marketplaces and corporate-card programs that cannot wait twelve months and three regulatory licences to ship.
Issuing payment cards used to mean two years of bank negotiations, principal Visa or Mastercard membership and a stack of regulatory licences. We collapse that to a contract and an API. Below is what a typical fintech engineering team gets on day one.
We sponsor your BIN range across Visa and Mastercard, in multiple geographies. You issue under your brand, on our principal membership. No need to qualify as a Visa or Mastercard principal yourself.
Authorisation, clearing, settlement, dispute management, chargeback workflow — all on a single platform. No daisy-chain of vendors, one webhook stream, one ledger.
Every authorisation, decline, top-up, settlement and dispute is pushed to your endpoint within milliseconds. Replay, signed payloads, idempotency keys built in.
Native 3-D Secure 2.x, device fingerprinting, velocity rules, geo-rules, BIN-attack mitigation. Rules engine you can tune per program, per cardholder segment.
Cards are tokenisation-ready from day one. Provisioning happens via in-app push or manual wallet add — no separate certification cycle.
Issue and settle in 12+ currencies, including USD, EUR, GBP, CHF, PLN and a curated list of CEE/MENA currencies. FX margins disclosed upfront, no hidden mark-ups.
Single-use, multi-use, subscription-bound virtual cards issued via API in under a second. Ideal for online spend control, gig economy, advertising spend and B2B payables.
→Embossed and printed plastic, dual-interface chip, contactless, vertical or horizontal layouts. Branded card art, shipped from EU printing facilities within 5-7 business days.
→Multi-cardholder hierarchies, spend categories, MCC restrictions, real-time approvals. Spend dashboards and accounting exports designed for finance teams.
→Closed-loop, semi-closed or open-loop prepaid card programs. Gift cards, payroll cards, expense cards, incentive cards — with KYC tiers and load limits configurable per program.
→Banking infrastructure should be boring. Below are the certifications and standards our underlying platform operates under. WhitelabelCard programs inherit all of them by default.
We do not offer self-signup. Every WhitelabelCard program is scoped and priced individually based on volume, BIN preference, geographic coverage, KYC requirements and integration depth. Email banking@codegotech.com with a one-paragraph description of what you want to build and a member of our card programs team will reply within one business day.