NetPay embedded banking app — virtual cards, multi-currency accounts and payouts

THE FUTURE OF
EMBEDDED
BANKING

Issue white-label Visa & Mastercard cards, open Virtual IBANs and move money across 150+ countries — all through a single API.

White-label cardsGlobal payoutsSingle API integrationVirtual IBAN accounts150+ countriesEnterprise-grade security

Get started Apply for a card

Trusted by fintechs worldwideVISAPCI DSS Level 1

150+

Countries

10M+

Transactions

500K+

Cards Issued

2000+

Businesses

THE FUTURE OF
EMBEDDED
BANKING

Issue white-label Visa & Mastercard cards, open Virtual IBANs and move money across 150+ countries — all through a single API.

White-label cardsGlobal payoutsSingle API integrationVirtual IBAN accounts150+ countriesEnterprise-grade security

Get started Apply for a card

Trusted by fintechs worldwideVISAPCI DSS Level 1

150+

Countries

10M+

Transactions

500K+

Cards Issued

2000+

Businesses

Secure & Compliant

PCI DSS Level 1 certified and fully compliant

Fast Integration

Go live in days with our powerful APIs & SDKs

Global Infrastructure

Built for scale with 99.99% uptime guarantee

Real-time Insights

Track payments, balances and performance in real-time

24/7 Support

Dedicated support whenever you need it

HOW IT WORKS

Go live in weeks, not months

A guided path from first call to production — we carry the regulated heavy lifting so your team ships the product.

1
Tell us what you're building
Share your use case and target markets — we scope the right program and rails with you.
2
Integrate the API in sandbox
Issue test cards, open IBANs and move test money against a full sandbox from day one.
3
Pass compliance & certification
We handle BIN sponsorship, scheme certification and onboarding so you don't have to.
4
Go live under your brand
Flip to production and launch branded cards, accounts and payments to real customers.

Start your integration

CARD PROGRAMS

Launch your own card program

Issue fully branded Visa and Mastercard products without the complexity of becoming a bank or principal member.

Card programme

Virtual cards,
issued in seconds

Spin up a card the moment a customer signs up — perfect for online checkout, subscriptions and in-app spend.

One API call to issue
Card details ready before the response returns
Tap to pay from day one
Tokenised for Apple Pay and Google Pay
Freeze and re-issue instantly
Your customers stay in control, in-app

Start issuing cards View card designs

PCI DSS Compliant

·Bank-grade Security

·Available in 150+ Countries

Card programme

Premium Physical Debit Cards
For Global Brands

Deliver premium branded debit cards to your customers, fully in your design. Fast issuance, global shipping and enterprise-grade security built in.

Premium branded card designs
Fully customizable with your brand
EMV chip + contactless NFC
Secure payments worldwide
Ships in 5–7 days worldwide
Fast, reliable and trackable delivery

Start issuing cards View card designs

PCI DSS Compliant

·Bank-grade Security

·Available in 150+ Countries

Card programme

Expense cards with
real spend control

Give every team a card finance can actually trust — limits, categories and receipts, all in one place.

Limits set per person
Cap spend before it happens, not after
Every purchase, categorised live
No waiting until month-end to reconcile
Receipts captured automatically
Finance closes the books days sooner

Start issuing cards View card designs

PCI DSS Compliant

·Bank-grade Security

·Available in 150+ Countries

Card programme

Pay your global team
on branded cards

Move salaries to employees and contractors across borders, straight onto cards carrying your brand.

Pay everyone in one run
Bulk payouts in a single approval
Salaries land on payday
Schedule recurring runs and forget them
Disburse in local currency
No FX surprises for the people you pay

Start issuing cards View card designs

PCI DSS Compliant

·Bank-grade Security

·Available in 150+ Countries

Card programme

One card,
every currency

Built for travel and cross-border spend — hold balances in several currencies and switch before you pay.

Hold EUR, GBP and USD
Convert before you spend, not at the till
Mid-market rates at checkout
The rate you see is the rate you get
No quiet travel fees
What you pay is exactly what's shown

Start issuing cards View card designs

PCI DSS Compliant

·Bank-grade Security

·Available in 150+ Countries

Card programme

Prepaid cards,
fully in control

Top-up based spending with no bank account required — ideal for gifting, allowances and controlled budgets.

Spend only what's loaded
Hard limits, no overdraft, no surprises
No bank account needed
Onboard almost anyone in minutes
See usage as it happens
Every transaction on one simple dashboard

Start issuing cards View card designs

PCI DSS Compliant

·Bank-grade Security

·Available in 150+ Countries

NetPay Suite

Cards

Issue new card

Total Cards Issued

12,540

+18.5%

Active Cards

8,764

+12.7%

Pending

1,289

+8.3%

Blocked

487

-3.2%

Card Types

Physical Debit Cards

8,764

Virtual Cards

2,350

Corporate Expense Cards

1,126

Prepaid Cards

300

View all card types

NNetPay

•••• •••• •••• 3456

Valid Thru

12/28

A. MORGAN

VISA

Debit

Shipment Status

Your card is on the way

Confirmed

Processed

Shipped

Delivered

EMV CHIP + NFC

Advanced security

PLATFORM FEATURES

The rails behind your product

The same infrastructure that powers our own programs — cards, accounts, compliance and payouts, ready for you to build on.

AML/KYC Compliance

Instant Card Issuance

150+ Countries Supported

Bank-Grade Security

RESTful API Integration

White Label Branding

INDUSTRIES

Built for the businesses that move money

Cards, IBANs and payment rails on one network — from fintech startups to global platforms.

FNT-01Flagship

Fintech Companies

Launch your own neobank or payment app on our core banking infrastructure.

NeobanksWalletsPayment apps

FNT-01 · Capabilities

Issue branded cards & IBANs from day one
KYC, KYB & AML compliance built in
APIs that scale with your user base

Learn more

FRX-02High Volume

Forex Brokers

Offer branded cards, IBANs and payment rails to traders and IB partners.

Trader CardsIB PayoutsTrader IBANs

FRX-02 · Capabilities

Instant trader deposits & withdrawals
Multi-currency settlement with real-time FX
Automated IB commission payouts

Learn more

CRY-03Compliant

Crypto Platforms

Seamless fiat infrastructure for crypto businesses — compliant on/off-ramps.

Fiat OnrampOff-rampUSDT Settle

CRY-03 · Capabilities

Compliant fiat on-ramp & off-ramp
USDT settlement with instant payouts
Global card acceptance for top-ups

Learn more

PAY-04Available

Payroll Companies

Distribute salaries globally with branded debit cards and dedicated IBANs.

Salary CardsMulti-currencyBulk Payouts

PAY-04 · Capabilities

Same-day salary disbursement worldwide
Branded payroll cards for employees
Bulk payouts with auto reconciliation

Learn more

COM-05Available

eCommerce Businesses

Manage supplier payouts, customer refunds and international settlements.

MarketplacesRefundsSettlements

COM-05 · Capabilities

One-click checkout in local currencies
Automated refunds & dispute handling
Split payouts for marketplace sellers

Learn more

RMT-06Available