BIN sponsors & BaaS
Card scheme sponsorship and banking-as-a-service.
Pomelo
Pomelo provides technology for issuing, processing and managing card programmes in Latin America. It is an issuer processor and a financial infrastructure…
Pleo
Pleo is a corporate card and spend management platform that also handles reimbursements and supplier payments. Cards run on the Mastercard network, and the UK…
Pismo
Pismo is a cloud technology platform for core banking, card issuing and card processing. It is classified as an issuer processor and a financial infrastructure…
Piermont Bank
Piermont Bank is a US bank that provides embedded banking and API banking for companies needing their own banking product or automated payments. It is a…
Pervesk
Pervesk is a Lithuanian electronic money institution that offers personal and business payment accounts, IBANs and SEPA transfers. For financial companies it…
PayTop
PayTop is a payment institution that builds white-label money transfer services for companies wanting to launch a remittance product under their own brand. Its…
PayNovus
PayNovus provides multi-currency business accounts, SEPA and SWIFT payments and card issuing. The company also offers payment-as-a-service, BIN sponsorship and…
Paynetics
Paynetics is a payments company, authorised as an electronic money institution, that supplies card issuing and acquiring, payment accounts and transfers for…
Paymentology
Paymentology provides card processing and tools for launching virtual and physical payment cards for banks and fintechs. It is an issuer processor and a…
Pathward
Pathward is a US bank, Pathward, N.A., that sponsors payment and card programmes for fintech and other partners. It is a licensed bank, and its programme terms…
Orenda Finance
Orenda Finance is a technology company that provides a no-code platform for launching accounts, wallets and card-based financial products. It is classified as…
OpenPayd
OpenPayd is a payments infrastructure provider for companies and platforms, offering connected accounts, payout automation and an API. It acts as an…
NymCard
NymCard is a financial infrastructure provider whose nCore platform covers card issuing, money movement, settlement, a ledger and embedded finance products…
Nium
Nium is a financial infrastructure provider that offers cross-border payouts, currency conversion and card issuing through one API. It operates through…
Netbank
Netbank is a Philippine bank that gives fintechs and payment companies access to regulated banking infrastructure. It operates through the legal entity Netbank…
MVB Bank
MVB Bank is a US bank, operating as MVB Bank, Inc., that offers sponsorship for fintech partners alongside commercial banking. The bank is a banking…
Moov
Moov is a US software provider of payment infrastructure for receiving and sending money and embedding payments inside applications. Founded in 2020 and based…
Moorwand
Moorwand is a UK electronic money institution, operating as Moorwand Ltd (company number 08491211), that provides issuing BIN sponsorship and payment…
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.