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.
Successfully implemented with
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.
Key Advantages & Features
Technical Specifications
Flexible Card Forms (Virtual & Physical)
ssue 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!
How can it work for your business?
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.
The Result:
100% instant fund access, a massive boost in customer satisfaction, and a significant edge over traditional lending competitors.
Frequently asked questions
Getting started & licensing
Product & technology
Commercials
Operations, security & compliance
