BIN sponsors & BaaS
Card scheme sponsorship and banking-as-a-service.
Inpay
Inpay is a Danish payment institution founded in 2008, operating through Inpay A/S (company number 32317731) in Copenhagen, with an office in London. It holds…
Lemonway
Lemonway is a French payment institution built for marketplaces, e-commerce platforms and crowdfunding. It was founded in 2007 and is based in Paris. Services…
M2P Fintech
M2P Fintech supplies banks and fintech companies with core banking, lending and card payment technology through APIs. It is a financial infrastructure vendor…
Mangopay
Mangopay is an electronic money institution providing wallet-first payment infrastructure for marketplaces and platforms with several parties to a payment. It…
MatchMove
MatchMove provides infrastructure for embedding payments, card programmes, accounts and cross-border transfers into other companies' products. It acts as a…
Modulr
Modulr is an electronic money institution offering payment automation and API infrastructure for settlements, payouts and embedded financial products. The…
Network International
Network International is a payment processor and white-label acquiring provider for the Middle East and Africa, headquartered in Dubai and established in 1994…
Paswix
Paswix is a Lithuanian electronic money institution operating through Payswix, UAB, based in Vilnius. The company says it has served businesses and individuals…
Paynovate
Paynovate combines payment acceptance, payment accounts and card programmes on a regulated financial platform. The operating entity is Paynovate SA, a Belgian…
PingPong
PingPong provides businesses with global accounts, FX, payouts, cards and online payment acceptance, with a link to the Chinese market. The platform API…
Thunes
Thunes is a B2B infrastructure for international payouts used by banks, PSPs, platforms and wallets. Through a single connection, it delivers payouts to bank…
Tribe Payments
Tribe Payments is a payment infrastructure supplier built as a modular cloud platform. According to the company, it covers issuer processing, acquiring…
Unlimit
Unlimit (formerly Unlimint) is a London-headquartered payment and fintech infrastructure group founded in 2009. It combines its own direct acquiring on several…
Wise
Wise is an international payments service whose business offering combines a multi-currency payment account, FX, international transfers and batch payouts. The…
WorldFirst
WorldFirst is a cross-border payments service for businesses, founded in 2004. Its main product is the multi-currency World Account, used to receive revenue…
Zeta
Zeta is a name shared by two lines of business. The first is a technology company that provides banks with a cloud API platform for card issuing and…
Zoop
Zoop is a Brazilian payment infrastructure company that provides white-label payments and embedded finance for business platforms. It gives marketplaces, SaaS…
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.