Verestro Issuer Processing Platform
The Verestro Issuer Processing Platform (VIPP) runs your Mastercard card programs from one place. You onboard subissuers, configure BINs and card products, and control everything in a central admin panel. VIPP handles the full lifecycle: card issuance through the Card Issuing service, real-time authorization with balance and limit checks, clearing, reporting, and disputes managed by a dedicated team through Mastercard Mastercom. It is multi-tenant, so you scale across partners, business lines, and markets.
Run your own Mastercard processing with a single connection. You integrate once with our Card Issuing service, and VIPP handles authorization, clearing, and settlement inside the platform.
Why Verestro?
One connection, full processing
Integrate with Card Issuing once, and VIPP runs authorization, clearing, and settlement for you.
Pre-integrated 3DS
An in-house Access Control Server (ACS) secures online transactions out of the box
Multi-tenant by design
One platform serves many Issuers with strict data and access isolation
Your rules, your engine
Keep your own authorization decisioning engine and answer each request over webhook with approve or decline.
Fits your ecosystem
Connect your personalization bureau, decisioning engine, and operational services, and keep what already works.
Full transaction visibility
See every request detail and the exact ISO message values from Mastercard.
Lower total cost of ownership
Competitive pricing and one operational view across the whole card payment lifecycle.
General information
VIPP is Verestro's issuer processing platform. It gives banks, program managers, and fintechs one place to run Mastercard card programs: onboarding subissuers, configuring BINs and products, authorizing and clearing transactions, and handling disputes. It builds on the Antaca core and the Card Issuing service, so cards, balances, and processing work as one system through a single admin panel.
• Step 1. Select the model with Verestro and define the scope.
• Step 2. Open the project in Mastercard.
• Step 3. Configure the project in the Mastercard and Verestro systems.
• Step 4. Integrate with the Card Issuing service.
• Step 5. Configure Issuer, subissuers, BINs, and products in the processor.
• Step 6. Run beta testing and get Mastercard approval.
• Step 7. Go live.
What you configure in the platform
We create your Issuer in the platform and give you access to the admin panel.
To start, share the email addresses of the people who will manage the processor on your side. After setup you manage every configuration and operation independently.
Subissuer onboarding
Create and manage subissuers, the corporate partners who issue cards on your licence.
Product setup
Build card products by setting card type (virtual, physical, or digital first), currency, PAN range, and the assigned BINs and subissuers. Add transaction controls, for example allow domestic EUR payments, block e-commerce and ATM, and cap spending at chosen MCCs to 1000 EUR per month.
BIN configuration
Define and manage the BINs assigned to your Issuer in Mastercard, ready for issuance and linked to products.
Card issuance
Issue cards through the Card Issuing service integrated with VIPP. Issued cards appear on the Cards and Card orders lists in the admin panel.
What VIPP does
Central management
One place for subissuers, BINs, and products (card programs).
Card order tracking
Follow creation, production, and shipping
Clearing and settlement
Process clearing files with support for reconciliation and settlement.
Transaction controls
Per product rules for currency, geography, transaction type, merchant category, and spending limits.
Chargeback handling
A dedicated support team runs disputes through Mastercard Mastercom.
Real-time observability
Dashboards, metrics, alerts, and end-to-end monitoring.
Built-in cryptography
Key and PIN operations run in a certified hardware security module (HSM).
Card lifecycle visibility
Track card status and PIN status across your portfolio.
Real-time authorization
Decisioning that combines processor rules with Card Issuing checks on balance and limits.
Full lifecycle visibility
See authorization, reversal, and clearing for every transaction.
Reporting and export
Data export for operations and reconciliation.
Transaction simulator
Test real-world scenarios and validate the full authorization flow before go-live.
Personalization options
Integration with personalization bureaus (for example AustriaCard and TAG Systems), or your preferred provider.
Works with our stack
Runs alongside Card Issuing, Fees, AML, TMP, and a mobile app for cardholders.
How can it work for your business?
Head of Cards at a Retail Bank
The Challenge
We had a Mastercard licence and BINs, but standing up processing, an ACS, and a disputes team in-house would take a year and a large budget.
How Verestro Worked for Us
We launched on VIPP. We connected once to the Card Issuing service, configured our BINs and products in the admin panel, and onboarded partners as subissuers on our licence. Processing, 3DS, and disputes came with the platform.
The Result
A live card program in months, with one operational view and a dedicated disputes team behind us.
Frequently asked questions
Getting started
Product and technology
Operations and security
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