BIN sponsors & BaaS
Card scheme sponsorship and banking-as-a-service.
Celcoin
Celcoin is a Brazilian provider of financial infrastructure for banking, credit and payment products. It delivers its services through APIs, including…
CARD91
CARD91 is an Indian financial-infrastructure company, founded in 2020, that gives banks and other regulated entities an Issuance Platform-as-a-Service for…
Banco Topazio
Banco Topazio is a licensed Brazilian bank that gives companies financial infrastructure and banking solutions for building digital products. Its services…
B4B Payments
B4B Payments is a platform that combines payment accounts, card issuing, foreign exchange, spend management and embedded finance for companies. It belongs to…
Avidia Bank
Avidia Bank is a licensed US bank that offers sponsorship services to payment companies: card issuing sponsorship, acquiring sponsorship, ACH sponsorship and…
Andaria
Andaria is an electronic money institution group that provides embedded finance, payment accounts, payment infrastructure and card programmes for companies in…
Alviere
Alviere is an embedded finance platform that lets businesses build accounts, cards and international transfers into products for their customers, employees and…
Advapay
Advapay is a financial technology vendor that builds software for digital banking and payment businesses and advises on licensing. The company states that it…
Januar
Januar is a Danish payment institution and MiCA CASP specialising in accounts for crypto companies. The legal entity is Januar ApS in Copenhagen, supervised by…
Increase
Increase offers APIs for holding and moving money, issuing cards and automating banking operations. It was founded in 2020 and is headquartered in San…
InCore Bank
InCore Bank is a Swiss B2B bank for banks, financial intermediaries and companies. The legal entity is InCore Bank AG, regulated by FINMA. Services Its modular…
IFX Payments
IFX Payments runs the ibanq platform for multi-currency business accounts, named virtual IBANs, sub-accounts and mass payouts. The UK entity is IFX (UK) Ltd…
Hyperface
Hyperface supplies banks with technology for launching and growing digital credit card programmes. The role in the data is technical platform. Services The…
HPS
HPS provides PowerCARD, a platform for managing the card and payment operations of financial institutions. The listed services are issuer processing, card…
Griffin
Griffin provides regulated banking infrastructure for embedded accounts, savings and payments. The legal entity is Griffin Bank Ltd, an England and Wales…
Grasshopper Bank
Grasshopper Bank, N.A. offers banking-as-a-service, API banking and accounts for small businesses, startups and fintech partners. Its address is in New York…
Gate to Pay
Gate to Pay provides embedded finance on licensed infrastructure in Jordan, covering cards, wallets, accounts and payments. The company, also written Gate2Pay…
FITS (FitBank)
FITS (FitBank), presented on the FitBank domain, is a Brazilian payment institution and BaaS provider. The legal entity named is FITS INSTITUIÇÃO DE PAGAMENTO…
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.