Reference stack

Issue physical and virtual cards

Stand up a card programme covering issuing, processing, BIN sponsorship and tokenization.

FintechsPlatformsEuropeNorth America

Infrastructure layers

Issuing & processing

Programmable card issuing and processing.

MarqetaCards
HighnoteCards
PaymentologyCards
ThreddCards

BIN sponsorship

Access to scheme membership via a sponsor.

IDT FinanceCards
SwanBanking
EnfuceCards

Tokenization & wallets

Digital card enablement for mobile wallets.

MeaWalletCards
IDEMIACards

Considerations

BIN sponsorship and programme approval can be a long pole in launch timelines.
Scheme rules govern card design, disputes and reporting.

Questions to ask providers

Who holds the BIN and scheme membership?
What are the dispute and chargeback responsibilities?

This stack is a reference architecture for research. It does not guarantee regulatory compliance or licensing approval, and specific provider combinations are not universally suitable. Confirm requirements for your product with each provider and qualified advisers.