Card-as-a-Service

Cards that
grow your business.

Launch customer, employee or premium card programs with local issuing, global acceptance and full backend visibility.

Three Build cards — blue, brushed metal and matte black — stacked on glass
Principal member of
Mastercard UnionPay
Co-brand

Turn everyday payments into
brand connections.

Cards are one of the few financial products your customers and employees interact with daily. We help businesses turn that interaction into engagement, loyalty and long-term value, without compromising control, compliance or scale.

  • Co-branded cards featuring globally recognised characters
  • Improve card activation and ongoing usage
  • Strengthen emotional connection with customers and teams
  • Position card programs as a benefit, not just a payment tool
Form factors

Issue cards that work
everywhere your users are.

Multi-currency 'pay like local' cards. Virtual and physical cards can be issued together under one program, sharing controls, reporting and lifecycle management.

Virtual cards

  • Issued instantly
  • Designed for online spend, subscriptions and digital-first journeys
  • Ready for tokenisation into digital wallets

Physical cards

  • Suitable for everyday in-store and online use
  • Provide a tangible brand presence
  • Support standard, sustainable and premium materials
Programs

Card programs
tailored to different needs.

Customer cards

White-label or co-branded cards enable spending, power loyalty programs, drive repeat use, upsell revenue, and keep funds within your platform.

Employee cards

Enable employee spend with controls, offering real-time visibility, limits, reduced reimbursements, simplified expense management, and clear reporting for finance teams.

Premium and segmented cards

Offer tiered card services with customisable benefits and designs, enabling businesses to serve premium clients and segmented customer groups.

Materials

Choose materials and finishes
that fit your program.

Card designs that differentiate customer experiences and elevate your brand.

Materials

  • PVC plastic — standard, scalable and cost-efficient
  • Recycled or ocean plastic — sustainability-focused programs
  • Metal cards — durable, premium feel
  • Hybrid metal-core cards — balance of weight, durability and cost

Finishes & treatments

  • Matte or soft-touch finishes
  • Gloss or satin finishes
  • Brushed metal textures
  • Laser engraving
  • Spot UV logos
  • Embossed or debossed elements
  • Edge colouring (metal cards)
Issuing, network & regional control

Issue locally.
Scale globally.

Worldwide Mastercard issuing with consistent control.

  • Use local BINs to issue regionally recognised cards worldwide
  • Reduce declines and regional restrictions
  • Improve user experience for global customers and teams
  • Lower risk through appropriate regional alignment
Operations

End-to-end card operations,
built for real-world use.

Run and scale a complete card program with issuing, wallets, settlement, monitoring and reporting — all managed under one unified setup.

Global card programmes

Launch and operate card programs across major card schemes with worldwide coverage, designed to support growth from day one.

Wallets and seamless usage

Enable digital wallet tokenisation, including Apple Pay and Google Wallet, for smooth online and in-store customer experiences.

Settlement and lifecycle control

Manage settlement flows integrated with accounts, FX and ledger, alongside issuance, renewals, fraud controls and reporting.

How it works

From idea to
live cards.

Define your audience and use case

Pin down who the card is for and the spend pattern it should enable.

Choose issuing model and regions

Select networks, regional BINs and form factors that match your footprint.

Design cards and controls

Lock in materials, finishes, branding and the spend controls that govern usage.

Launch, monitor and optimise

Issue, watch real-time usage data, and tune the program as adoption grows.

Why Build

Built to run card programs,
not just launch them.

Launch with confidence

Direct network access and compliant program structures enable businesses to launch card programs securely and with confidence from day one.

Scale without rebuilding

Expand across regions, customer segments and use cases without reissuing cards or redesigning your program architecture.

Operate with control

Strong backend reporting, monitoring and lifecycle management keep card programs controlled, adaptable and connected to accounts, FX and settlement.

Ready to launch
your card program?

Talk to our team about issuing model, regions, form factors and the controls your program needs.

210+

Countries of card coverage

30+

Currencies with live pricing

48

FX pairs at mid-market