Card Issuing & BIN Sponsorship
Launch a card program under your own brand
KekaPay provides BIN sponsorship, processing and program management, so wallets, exchanges and fintechs can issue Visa cards without becoming an issuer themselves.
{
"type": "authorization.request",
"card": "card_3Fz91a",
"amount": 12900,
"currency": "EUR",
"merchant": { "mcc": "5732", "country": "DE" }
}{ "approved": true }Card Issuing & BIN Sponsorship
What you get
BIN sponsorship
Issue on BINs held by our licensed partner banks. We manage the relationship with the card scheme and the program approval.
Your card, your design
Your logo, colours and artwork on virtual and physical cards, checked against Visa brand requirements.
Flexible funding
Prepaid, debit or stablecoin-funded programs. You choose how balances are held and topped up.
Real-time authorisation
Approve or decline each payment with our rule engine, or on your own server through an authorisation webhook.
Program controls
Country and MCC restrictions, velocity limits and fraud rules, configured per program or per card product.
Operations included
Disputes, chargebacks, card replacement and cardholder support workflows are part of the service.
Card design
A card your users recognise as yours
We work with you on artwork and packaging, then handle production and delivery through our card bureau partners.
- Card art for apps and mobile wallets
- Physical cards with the finish you choose
- Custom packaging and delivery to cardholders
Card Issuing & BIN Sponsorship
How it works
- 01
Program design
Define the use case, target countries, card types and funding model together with our team.
- 02
Compliance review
We review your business, your customers and your risk controls, and prepare the scheme submission.
- 03
Integration
Connect your systems, approve the card artwork and test the full card lifecycle before launch.
- 04
Launch
Issue your first cards to real customers and monitor the program from the console.
Common questions
Do we need our own licence to issue cards?
Not necessarily. With BIN sponsorship, the issuing licence is held by the sponsor bank. Your own obligations depend on your role and your jurisdiction, and we go through them with you during onboarding.
How long does it take to launch?
It depends on the region and the program type. A virtual card program on an existing BIN is usually the fastest route. After a scoping call, we give you a timeline in writing.
Can we issue physical cards?
Yes. Physical cards are produced with your artwork and shipped to your cardholders through our card bureau partners.
Who handles disputes and chargebacks?
Our operations team handles the scheme side of disputes. You get a dashboard and an API to submit cases and follow their status.
Works well with
Tell us what you need to pay, receive or convert.
We will come back with the products, pricing and onboarding steps that apply to your business.