BIN sponsors & BaaS
Card scheme sponsorship and banking-as-a-service.
Moneygate Solutions Limited
Moneygate Solutions Limited is a Cyprus-based electronic money institution supervised by the Central Bank of Cyprus (licence 115.1.3.46), with a branch in…
Monerium
Monerium is an Icelandic electronic money institution that links euro bank accounts to blockchain wallets. Its entity, Monerium hf., is supervised by the…
Monavate
Monavate is a regulated payments platform for card programmes, accounts, wallets and money movement, operating through Monavate Limited in the United Kingdom…
Marqeta
Marqeta is a US card issuing platform, operating as Marqeta, Inc., that gives companies an API to issue, process and manage card programmes. It is financial…
Lithic
Lithic is a US financial infrastructure provider, operating as Lithic, Inc., that supplies issuer processing and card management tools. It is a technology and…
LHV Bank
LHV Bank is a UK bank that provides payment infrastructure to financial intermediaries, fintechs and crypto platforms. The wider LHV group operates between…
Lead Bank
Lead Bank is a US bank that offers banking-as-a-service infrastructure, with a published proposition for crypto on-ramps and off-ramps. It positions itself…
Cross River
Cross River is a US bank, Cross River Bank, that combines banking services with API infrastructure for payments, accounts, lending and card issuing. Its…
Crassula
Crassula is a white-label software platform for digital banking and payment products, founded in 2015 with offices in Riga and London. It is a technology…
Core Bank
Core Bank is a licensed US bank that offers business accounts, payment services and a banking partnership proposition. Some programmes use it as a partner bank…
Contomobile
Contomobile is a Lithuanian electronic money institution, Contomobile UAB, licensed by the Bank of Lithuania under licence number 5. Its published address is…
Column
Column is a US chartered bank, Column N.A., that gives developers banking infrastructure for payment products, accounts and card programmes. It was founded in…
Coastal Community Bank
Coastal Community Bank is a US bank that, through its CCBX business, provides fintech partners with accounts, card BIN sponsorship, payments and credit…
ClearBank
ClearBank is a clearing and infrastructure bank founded in 2015, with offices in London and Amsterdam. It operates through ClearBank Limited and ClearBank…
Clear Junction
Clear Junction is a British electronic money institution and the head of a group of institutional payment companies, with Clear Junction Limited registered at…
Choice Bank
Choice Bank provides banking-as-a-service sponsorship and banking services to fintech partners, and it also offers business accounts. Its fintech activity runs…
CentralPay
CentralPay is a French electronic money institution authorised by the ACPR, with licence reference 17138, according to the provider's official website. It…
Central Payments
Central Payments designs and operates embedded payment programmes and card solutions for businesses. The company works as a programme manager, sitting between…
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.