BIN sponsors & BaaS
Card scheme sponsorship and banking-as-a-service.
FIS
FIS supplies financial institutions with card processing, banking technology and embedded banking. The company is based in Jacksonville, Florida, and its…
First Internet Bank
First Internet Bank provides banking infrastructure for fintech partnerships and digital business accounts. It is based in Indiana. Services The listed…
Finzly
Finzly provides banks with BankOS and tools for embedded banking, virtual accounts and processing across several payment rails. The company is a technology…
FinXP
FinXP offers corporate euro IBANs, card programmes and settlement infrastructure for companies and financial platforms. The operating entity is FinXP Limited…
FINCI
FINCI is a Lithuanian electronic money institution, Finci, UAB, supervised by the Bank of Lithuania under licence number 60. It offers a multi-currency…
Fiat Republic
Fiat Republic is B2B payment infrastructure built specifically for crypto platforms. Through a single API it provides fiat accounts, named virtual IBANs for…
Evertec
Evertec provides financial institutions with technology infrastructure for payments and card processing. It acts as an issuer processor, and its services…
EQWIRE
EQWIRE offers multi-currency named accounts and international payments for businesses and professionally active private clients. The operating company is…
Equals
Equals, also trading as Equals Money, is a UK provider of international payments, multi-currency accounts and corporate cards, with embedded finance for…
EQIBank
EQIBank is an offshore bank based in Dominica that advertises multi-currency banking-as-a-service and a separate scenario for crypto exchanges. The legal…
Episode Six
Episode Six is a provider of card infrastructure and ledger technology delivered through APIs to banks, fintech companies and brands. It acts as an issuer…
Enfuce
Enfuce is a Finnish issuer processor and financial services group that helps financial institutions and fintechs launch and scale card programmes on its own…
EFT Corporation
EFT Corporation is a card payments and digital financial services technology company founded in 1999. It supplies banks, fintechs and enterprises with…
Edenred Payment Solutions
Edenred Payment Solutions is a provider of card issuing, payment accounts and payment processing that partners use to build their own financial products. It…
ECOMMBX
ECOMMBX is a Cyprus-based electronic money institution that gives companies corporate accounts with a CY IBAN, international payments and Visa cards. It is…
Ebury
Ebury is a London-based foreign exchange and international payments provider for businesses, scale-ups and enterprises, and for financial institutions and…
dtcpay
dtcpay is a Singapore payment company, operated by Digital Treasures Center Pte Ltd, that connects fiat and stablecoins for businesses. It covers business…
DiPocket
DiPocket is an electronic money institution that provides ready-made infrastructure for card issuing and payouts, including BIN sponsorship and virtual IBANs…
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.