Launching your own card product from scratch is a highly regulated, complex process. Typically, to issue Visa or Mastercard products, a company needs:
Issuer License: authorizes you to issue cards in the name of the card network.
E-Money Institution (EMI) or MSB/PSP License: regulates the holding of client funds and transaction processing.
PCI DSS Certification: mandatory for handling sensitive payment data.
Compliance Infrastructure: KYC, AML, anti-fraud systems, and legal procedures.
Obtaining an issuer or EMI license demands significant resources:
Cost: $500,000 to $2,000,000+ just for legal support, compliance, staffing, and implementing procedures.
Timeline: 6 to 18 months depending on jurisdiction and regulator.
Requirements: ongoing audits, AML/KYC departments, internal controls, IT security, capital reserves.
Risks: possibility of rejection at any stage with no refund of costs.
That’s why a white-label solution like Wanttopay offers a fast, legally compliant, and cost-effective alternative for companies that want to launch cards without these barriers.
Why You Don’t Need These Licenses with Wanttopay
Wanttopay’s platform already has established partnerships with licensed issuers and provides the complete legal and technical infrastructure.
What We Cover:
Card issuance through a licensed provider.
Legal framework: you operate within our white-label structure, and we assume responsibility for compliance.
No need for your own licenses: you become a B2B partner of an existing, licensed platform, not a direct issuer.
What Your Business Gets
Ready-to-use solution without regulatory headaches
Fast time to market: typically 2–4 weeks
Legal and financial security: all operations occur under the licensed provider’s oversight
Legitimate access to Visa card issuance without a banking license or EMI license
If you want to launch branded Visa cards for your customers, employees, or agents—without spending years and millions on licensing—Wanttopay offers a complete, turnkey solution. You focus on your product and growth. We handle everything else.
Ready to Get Started?
Fill out the form on our website to receive a personalized commercial offer.