BIN sponsors & BaaS
Card scheme sponsorship and banking-as-a-service.
Dgpays
Dgpays is a financial technology provider that supplies payment infrastructure and digital financial services to financial institutions and businesses. Its…
Demivolt
Demivolt is a payment infrastructure provider for businesses, fintechs and card-programme managers. It is operated by DEMIVOLT UAB, a Lithuanian electronic…
Decentro
Decentro is an Indian financial infrastructure company, founded in 2020, that provides APIs for payments, banking integrations and onboarding. It is a…
Currenxie
Currenxie is a cross-border finance platform for businesses that combines a multi-currency Global Account, FX, bulk payments and a corporate Visa card. A…
BMP
BMP, also known as BMP Money Plus, is a regulated fintech platform in Brazil that offers banking-as-a-service (BaaS), digital accounts, card products and…
Benker
Benker is an electronic money institution that offers financial infrastructure with local business IBANs, multi-currency accounts and SEPA and local payment…
Banking Circle
Banking Circle is a licensed technology bank for payment service providers, banks and other institutions, founded in 2015 and operating from Luxembourg, London…
Bankera
Bankera is a payment service offering business accounts, including for crypto exchanges, brokers, mining and staking companies. It is an alternative to a bank…
Pyypl
Pyypl is a virtual Visa card service operating since 2017. Cards are issued in US dollars with a UAE BIN. You can top up by bank transfer or from a…
VIALET
VIALET offers business accounts with dedicated IBANs, virtual corporate cards and high-volume SEPA and SWIFT settlements. The service is operated by UAB…
Wallester
Wallester is an Estonian card issuing company, founded in 2016, and an official Visa Principal Member. It provides a white-label platform for issuing virtual…
Anchorage Digital
Anchorage Digital is a US national trust bank for institutional digital assets, combining custody, settlement and USD banking. The operating entity is…
Airwallex
Airwallex is a global financial and payments platform for businesses that combines multi-currency accounts, FX, cross-border payments, corporate cards and…
BVNK
BVNK is a stablecoin and fiat payment infrastructure provider founded in 2021. Businesses, fintech platforms and payment partners use it to accept, send, hold…
ConnectPay
ConnectPay is a modular embedded-finance platform for digital businesses, operated by UAB ConnectPay, an electronic money institution regulated by the Bank of…
DECTA
DECTA is a payment processing, card issuing and acquiring infrastructure provider founded in 2015, working from London and Riga. The company describes itself…
Fiserv
Fiserv is a financial technology provider whose entity listed here is Fiserv, Inc. It supplies banks and financial institutions with card processing, core…
Highnote
Highnote is infrastructure for fintech companies and platforms in the United States that combines card issuing, payment acceptance, credit products and a…
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.