Versatile, flexible card issuing

Offering payment

cards your way

As a principal member of Visa and Mastercard, Paynetics offers the full range of products of these two card schemes. Our card issuing programs are fully customisable to your business needs. Superior rule settings give you full control over issued cards, whilst customised card designs enhance your brand and create the perfect payment experience.


Full range of payment cards – plastic, virtual or digitized, prepaid, debit, credit or business


Co-branding and flexible rule settings to give your customers a unified experience and drive business growth


Achieve more, offer more – with the widest range of payment products in Europe, all in one place

Join our family of long-term

card-issuing partnerships

Working with Paynetics means you don’t need to go anywhere else: no need to source multiple companies to achieve the results you need.

With Paynetics, you have access to the most flexible payment products in Europe, thanks to our unrivaled product range and ownership of our own tech.

We operate in a wide range of verticals with numerous business cases:

  • Consumer convenience – gift cards and general use cards
  • Identity and security concerns – online virtual cards only to support e-commerce shopping experience, FX cards, single use cards
  • Digital products and distribution – including mobile top-ups and products for the gamers
  • Underserved and unbanked – addresses the needs of consumers outside the banking sector
  • Electronic payments– government disbursement, food vouchers, payroll incentives
  • Technology – virtual cards to serve the increased need for Card No Present (CNP) payments
  • Global workforce needs – remittance
  • Children and underage needs – pre-pay cards for children and teenagers
  • Digital assets – serving those involved in cryptocurrency
  • Gig economy – payment cards for freelancers
  • Gaming – cards for payouts

Onboarding and

program control

Our API platform ensures a quick onboarding and efficient data exchange between systems for Paynetics and our partners. In addition to the fully digital onboarding process, it also covers compliance, risk analysis and monitoring – saving you time and hassle.

Our issuing infrastructure is built on a modular principle to provide maximum flexibility in terms of parameter settings. Our partners are able to set different limits and controls, customized hierarchy, multiple products, different pricing levels – the possibilities are endless.

Once the program is up and running our partners benefit from uninterrupted access to data, enhancing operational excellence and enabling them to offer innovative payment possibilities to their end clients. We have adopted the latest security standards, ensuring a high level of reliability and reducing fraud-related costs – giving you the freedom to continue doing what you do best.

Paynetics: at the forefront

of card payments technology

While plastic cards are still in existence, virtual cards are on the rise following the shift to e-commerce, and Paynetics offers them to both consumers and businesses. It gives full flexibility to our partner on how to structure the product offering to the end consumer.

With the advent of mobile, tokenization now plays a major role in the unique value proposition of program managers. Our payment tokenization solution brings transactions to mobile phones and helps reduce fraud in digital transfers: for each transaction, sensitive details are replaced by dynamic components to secure the transmitted information. By replacing the standard Primary Account Number (PAN) with dynamic elements, tokenization also provides faster check-out experience and ultimately more options for merchants to accept payments. 

We support both Android and Apple phones. For Android OS we use our proprietary tech build on the basis of Mastercard Digital Enablement Service (MDES) protocol. For iOS we support Apple Pay – Paynetics was the first local financial institution to offer Apple Pay in the country.

We are able to offer cards in a wide range of currencies and support multiple currencies. Having this flexibility, coupled with the superior rule settings, allows program managers to craft their programs dynamically and quickly respond on demand.

We support the full range of products – consumer and business; debit, credit, prepaid, gift cards, single use and reloadable, meaning you only need one point of contact for all your card issuing needs.

Premium card issuance

get more than just cards

At Paynetics, card issuing does not stop with the generation of a card. Based on our diverse payment infrastructure, we are able to offer more payment services, which are seamlessly integrated with the card and bring additional value to our partners

When we issue cards, we can link them to dedicated IBAN accounts, giving you more possibilities and opportunities for product innovation, and improving the economics for both top-ups and pay-outs. We make our physical and virtual cards bankable, which creates a platform for even more opportunities for our partners.

Integrating payment cards in our eWallet opens a wide range of possibilities. Our partners can use our highly adaptable technology to create a payment flow that exactly matches your specific platform’s needs and specifications.

This not only creates an easy, fast, and convenient way to send and receive money, it takes payment to a whole new level of possibility.

By combining issuing and acquiring we can help merchants to improve working capital, shorten time to cash, reduce chargebacks and ultimately enhance profitability. You can find out more about card acquiring here.

For the more established and experienced program managers we offer BIN Sponsorship. BIN sponsorship is the fastest and most convenient way to launch a payment card program, significantly shortening the time to market. A scheme-assigned BIN enables companies with an established client base and business model to deploy their own cards or wallets without having a direct membership in the card schemes.