Is it possible to launch your own card product without a banking license or complex regulatory infrastructure? Today, yes.
Modern fintech platforms enable businesses to issue white-label virtual Visa cards within a fully compliant, turnkey legal and technical framework.
Let’s break down how it works, who carries the legal responsibility, how security is ensured, and what opportunities this integration offers.
White-Label Issuing: A New Fintech Standard
White-label card issuance lets businesses offer Visa cards under their own brand without becoming a bank or holding their own financial license.
It works through the infrastructure of a licensed issuer and a partner platform like Wanttopay.
Why Was This Impossible Before?
Historically, launching a card program required:
Holding a financial license (banking or EMI)
Signing direct contracts with international card networks
Building your own infrastructure (processing, KYC, anti-fraud systems, reporting)
Complying with strict regulatory requirements and undergoing regular audits
These barriers made card issuance unattainable for small and medium businesses, agencies, and even many mature fintech projects.
How Is It Possible Now?
The emergence of white-label platforms like Wanttopay changed the landscape by letting companies:
Leverage licensed issuer infrastructure
Issue cards under their own brand
Integrate via API without building everything from scratch
Delegate KYC/AML and compliance responsibilities to the provider
In this “Issuer as a Service” model, the platform holds the license, while the partner gets a fully compliant way to embed card issuance into their ecosystem.
How Does It Work?
You become a B2B partner of the platform, which already has the necessary licenses and legal framework.
The licensed issuer (a bank or regulated financial institution) handles the actual issuance, while Wanttopay provides the API your business uses.
You:
Launch a card product under your own brand
Integrate an API to issue and manage cards
Avoid taking on legal and regulatory risks
We:
Provide the license and legal coverage
Deliver a turnkey infrastructure
Handle security and regulatory compliance
Security and Legal Compliance
Legal responsibility and compliance lie with the licensed provider. With Wanttopay:
All cards are issued in partnership with an internationally licensed issuer
User verification follows international standards (OFAC, EU, UN, etc.)
Procedures meet Visa and regulatory requirements
Important: You don’t store sensitive card data. All card information is processed through secure, real-time channels.
What Your Business Gets
Your own branded card product (logo, design, user interface)
Flexible monetization options: issuance fees, top-up fees, markup on face value, subscriptions, and more
A ready-to-use API and sandbox environment for development
Minimal time to market: launch an MVP in as little as 2–4 weeks
Legal protection with no need for your own license
Why Does This Work Today?
Regulatory models have evolved: many countries support BaaS and fintech platforms operating through licensed providers.
Visa actively encourages virtual and white-label solutions to accelerate digital payments (since 2023).
Easier access: Startups and companies anywhere can launch cards without major barriers.
Want to Start Issuing Visa Cards Under Your Own Brand?
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