BIN sponsors & BaaS
Card scheme sponsorship and banking-as-a-service.
Sygnum
Sygnum Bank AG is a Swiss bank founded in 2018 and supervised by FINMA, built for professional and institutional participants in the digital-asset market. Its…
Swissquote
Swissquote Bank SA is a Swiss bank supervised by FINMA that offers an institutional digital-asset service to banks, brokers, funds, asset managers and…
Swap
Swap lets companies launch financial products under their own brand on its technology infrastructure. The listed services are embedded finance, white-label…
Swan
Swan is a European embedded banking platform, founded in 2019 and operated by SWAN SAS, a French electronic money institution authorised by the ACPR, with its…
Sutton Bank
Sutton Bank develops card partnerships through its Sutton Payments division, including prepaid and debit programmes. Founded in 1878, it is a US bank, and it…
Sutor Bank
Sutor Bank GmbH is a German bank, supervised by BaFin, that offers Banking-as-a-Service and Crypto-as-a-Service for fintech and crypto companies. Crypto and…
Sunrise Banks
Sunrise Banks, N.A. develops fintech partnerships and payment programmes alongside its banking for businesses and individuals. It is a US bank, and the…
SUNRATE
SUNRATE offers international business payments, local collection accounts, corporate cards and treasury tools, with FX and an Open API. It supports payments in…
Stearns Bank
Stearns Bank N.A. serves companies through bank accounts, commercial lending and financial partnerships. It is a US bank, and the published target segments are…
Solaris
Solaris is a licensed bank, Solaris SE, that provides a banking licence and API infrastructure to partners. Its Banking-as-a-Service offer covers accounts…
SoFi Tech Solutions
SoFi Tech Solutions is a technology business that brings together card processing, payment APIs and core banking technology for banks, fintechs and brands. In…
SH Financial
SH Financial is the brand of Stanhope Financial, operated by UAB STANHOPE FINANCIAL (company number 305574870), an electronic money institution licensed by the…
SDK.finance
SDK.finance is a software company founded in 2013 and headquartered in Vilnius, Lithuania. It supplies a ready-made white-label fintech platform, with the…
Satchel
Satchel is a Lithuanian electronic money institution operating through SatchelPay, UAB, which is licensed by the Bank of Lithuania (licence number 28, company…
Qolo
Qolo provides infrastructure for card and payment programmes, funds accounting and APIs for embedded financial products. It is an issuer processor and a…
QI Tech
QI Tech provides technology and regulated infrastructure for Banking-as-a-Service (BaaS), lending, payments and fund management. It is a regulated fintech…
Q2 Helix
Q2 Helix, also presented as Helix by Q2, is a technology platform for core banking and for building personalised financial products inside apps. The parent…
Powens
Powens combines financial data and payment infrastructure: virtual IBANs, automation of incoming and outgoing payments, and open-banking APIs. The Unnax brand…
BIN sponsors & BaaS by country
Related subsections
BIN sponsors and BaaS in short
To issue payment cards, a company needs a card scheme member to sponsor its BIN range — a BIN sponsor. To offer accounts, IBANs or wallets without its own banking licence, it can use banking as a service (BaaS): a licensed bank or EMI that exposes its infrastructure via API while the fintech owns the customer experience. This subsection lists sponsors and BaaS providers serving fintechs, PSPs and payment teams.
Typical use cases
- Virtual and physical cards for expense management, payouts or crypto top-up products.
- Prepaid and debit programmes for marketplaces, gig platforms and creators.
- Embedded accounts with IBANs for SMEs or for a PSP's own merchants.
- Wallet infrastructure combined with mass payouts.
How the stack fits together
A card programme usually involves three parties: the BIN sponsor (scheme member and regulated entity), an issuer processor that authorises transactions and manages cards, and the programme manager — you — who designs the product and handles customers. BaaS platforms often bundle the first two.
What sponsors look at
- Your business model, target markets and expected volumes.
- Compliance set-up: KYC, AML, fraud controls and complaint handling — see KYC & KYB and compliance outsourcing.
- Financial standing and ability to fund collateral or prefunding.
- Higher-risk use cases (crypto cards, gaming) need explicit appetite.
Comparing providers
- Licence and passporting: which countries cardholders can be in.
- Schemes and card types supported; tokenisation for Apple Pay and Google Pay.
- Pricing: setup, monthly minimums, per-card and interchange share.
- Time to launch and what work stays with you.
By country
See BaaS providers in the UK, Lithuania, Estonia and Brazil. For accounts only, compare EMIs. Check Offers for published conditions or post a request; onboarding decisions are made by providers.