What is the Verestro Card Issuing solution?

Verestro provides an end-to-end Card Issuing solution powered by our core banking platform, Antaca. It allows fintechs, crypto platforms, lending companies, and other businesses to seamlessly issue, manage, and process virtual and physical payment cards for their customers. Cards are issued on Mastercard today; Visa issuing is on our roadmap through our partner Monavate.

What is IBAN Sponsorship and the IBAN Management Service (IMS)?

IBAN Sponsorship allows your business to allocate individual Virtual Bank Accounts (with dedicated International Bank Account Numbers - IBANs) to your users without needing to become a fully licensed bank yourself. Verestro's IBAN Management Service (IMS) automates the generation of these IBANs and handles the routing of incoming and outgoing funds to the correct user balances.

Do I need my own payment license to issue cards or IBANs?

No. If you choose the Co-brand model, Verestro works with partner Payment Institutions (EMI-licensed partners in the EU/EEA/UK) acting as your BIN and IBAN Sponsors. This lets you launch your financial products under your own brand while the regulatory, compliance, and licensing burdens are handled by the sponsor (availability depends on your target market).

In which countries can I issue cards, and who can be a cardholder?

Issuing runs under our partner institutions' EU/EEA payment licenses, so cardholders are typically residents of the EU/EEA. We can support programs and users in other regions on a case-by-case basis - either under special scheme approval or through a local licensed partner. Tell us your target markets and we'll confirm what's possible for your program.

What are the different models for launching a card program?

Verestro supports two primary models depending on your business needs:• Co-brand (Standard BIN Sponsorship) - the fastest and most cost-effective route, with flexible commercial terms agreed with your BIN sponsor. The sponsor handles the direct relationship with the payment scheme. Time to market is typically 1-2 months.• Affiliate License - the partner is registered directly with the scheme as an affiliate licensee. This requires your own payment license (such as an EMI) in your operating country and gives you more direct control over your scheme economics, but requires higher setup fees and takes an additional 3-4 months to launch.

How quickly can we go live?

In the Co-brand (BIN sponsorship) model, first cards can typically be issued within about 1-2 months, with a full production program live in roughly 3-4 months depending on scope. We recommend an MVP-first rollout - create a user, generate a balance, issue a virtual card, push it to Apple/Google Wallet, and run a test transaction - so you reach the market fast and layer on physical cards and advanced features afterwards.

Can we start on BIN sponsorship and move to our own license later?

Yes - this is the recommended growth path. You launch quickly on our partner's BIN sponsorship, and as your volumes grow you can register your own scheme license under the Affiliate model. Verestro then shifts to a pure technology and processing role, and you keep using the same platform throughout - with no need to re-integrate.

Card Issuing & IBAN Sponsorship

Issue virtual and physical Mastercard cards under your own brand - with no payment license of your own required. Verestro provides the technology together with the necessary payment licenses and BIN/IBAN sponsorship through our trusted partner institutions, so you can launch fast. The platform covers the full user and card lifecycle - built-in KYC/KYB, balances, spending limits and controls, and virtual IBANs - all through developer-friendly APIs.

We hold the payment licenses and provide BIN/IBAN sponsorship - so you can issue cards under your own brand, no license of your own required*.

*Depends on the country/region.

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General information

Verestro's Card Issuing & IBAN Sponsorship lets fintechs, crypto platforms, lenders and other businesses launch their own Mastercard card programs - virtual and physical - without becoming a licensed institution. Verestro provides the core banking platform (Antaca), the payment licenses and BIN/IBAN sponsorship through partner institutions, and the full user and card lifecycle - so you can go live in months, under your own brand.

Three smartphones displaying the Verestro banking application interface for managing cards and accounts.

Key Advantages & Features

Technical Specifications

Flexible Card Forms (Virtual & Physical)

Issue dynamic virtual cards, physical plastic cards, and fully customized card visuals designed to showcase and reinforce your brand identity.

End-to-End Lifecycle Services

Manage comprehensive customer and card ecosystems featuring integrated KYC/KYB processing, automatic bank-account creation, and internal or external balance configuration.

Global Omnichannel Payments

Enable cardholders to transact across Point of Sale (POS) terminals via Apple Pay and Google Pay, execute secure online e-commerce checkouts, and perform international ATM withdrawals.

Real-Time Transactional Controls

Empower your platform and end-users with active, real-time card-limit settings to easily control, track, and manage spending patterns.

Value-Added Perks & Rewards

Drive continuous user engagement by embedding native card benefits directly into your program, including a fees-management system, custom cashbacks, and an integrated carbon calculator.

Turnkey Delivery Models (API / SDK / White-Label)

Integrate card functionality through direct server-to-server APIs, mobile application SDKs, or a ready-made White-Label mobile app for iOS and Android.

Multi-BIN Licensing Sponsorship

Access a robust card infrastructure with card-issuing licenses covering distinct BIN configurations - debit consumer and debit business, profiles.

Multi-Currency Settlement Architecture

Configure and settle accounts with native support for major currencies including PLN, EUR, and USD, with a flexible architecture designed to add more on demand.

Regulated Institutional Licensing Protection

Bypass heavy regulatory hurdles by using existing payment licenses held by Verestro's partner institutions.

Accelerated 3-Month Go-Live Timeline

Deploy your complete card-issuance ecosystem rapidly using battle-tested components designed to shorten development cycles and reach production fast.

Platform Modules

Rewards & Loyalty - Customer Loyalty Program

Maximize your revenue with our Rewards & Loyalty platform by offering a wide range of value-added features such as earning and redeeming rewards points. We are already integrated with the Mastercard Rewards System, Mastercard Pay with Rewards, and personalized card-linked offers. Leverage our API integration and create personalized, real-time loyalty plans to increase customer loyalty and trust. Reward your customers with benefits that best reflect their regular interactions with your brand!

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Infrastructure flow

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Card Issuing & IBAN Sponsorship - diagram.png

How can it work for your business?

Head of Product at a Consumer Lending App

The Challenge:

We could approve a customer's personal loan in seconds, but transferring the funds to their traditional bank account took 1-2 business days. In the lending business, customers want their money immediately. That waiting period was hurting our customer satisfaction and conversion rates.

How Verestro Worked for Us:

We integrated Verestro's Card Issuing API to completely change our disbursement model. Now, the moment a loan is approved, we instantly issue a virtual debit card loaded with the funds. The user pushes it straight to their Apple Wallet and starts spending immediately.