Paymentology

Best for: Teams needing broad API coverage out of the box

Avoid if: You need to start building today without contacting sales; You need transparent pricing up front; You want to try it free before paying

Pricing model

Contact sales [2]paymentology.com/product/enterprise“No pricing tiers or costs are published. The site emphasizes 'Get Started' through demo requests rather than self-service pricing.”paymentology.com/contact-us/contact-our-sales-team“Our team will walk you through what's possible, help you scope what you need, and get the right people in the room.”

Published pricing

✗ No [3]paymentology.com/en/issuing-overview“No pricing information is provided on the webpage; requires direct contact or demo request.”

Free tier

✗ No

Self-serve signup

✗ No

Requires sales call

✓ Yes [4]paymentology.com/contact-us/contact-our-sales-team“Our team will walk you through what's possible, help you scope what you need, and get the right people in the room.”

Enterprise plan

✓ Yes [5]paymentology.com/product/enterprise“Card Issuing & Processing Solutions — enterprise-level card issuing platform to empower your business to engage customers and drive growth across industries worldwide.”

• Virtual cards
• Physical cards
• Spend controls
• Push provisioning
• Multi-region

Supported actions

issue_virtual_card, issue_physical_card, card_lifecycle_management, spend_controls, authorization_stream, push_provisioning, 3ds, tokenization, program_management, dispute_management, real_time_webhooks, fund_management, balance_inquiry, pin_management, multi_currency_support, fraud_controls, decision_engine, bin_level_monitoring, settlement_reconciliation, transaction_reporting, digital_wallet_integration, token_lifecycle_management, stand_in_processing, bin_sponsorship_matching [6]developer.paymentology.com/docs/start-get-started“Card Lifecycle: Creation, issuance, and management of cards and accounts. Features include tokenization, PIN management, card renewal/replacement, and multi-currency support. Transaction Lifecycle: Covers the full transaction flow including authorization, clearing, settlement, chargebacks, stand-in processing (STIP), and transfers.”developer.sprint.paymentology.com/card-api/api-reference/“The Card API supports extensive card management through 50+ available methods including OrderCard, OrderCardWithPinBlock, RetireCard, LoadFunds, DeductFunds, TransferFunds, ActivateToken, DeleteToken, ListTokens, ChangePin, Set3DSecureCode, StopCard, UnStopCard”

Regions

65+ countries, Asia-Pacific, Africa, Latin America, Middle East, Europe, UK [7]fintech.global/2026/06/04/paymentology-launches-lume-cloud-native-issuer-platform/“Paymentology processes billions of transactions annually across nearly 70 countries, serving over 400 financial institutions.”paymentology.com/en/about-us“Operational reach: 65+ countries across 5 continents. Primary hubs: London, South Africa, and the UAE.”

Input types

Visa, Mastercard, UnionPay, virtual, physical, debit, credit, prepaid, hybrid, numberless, crypto [8]developer.sprint.paymentology.com/card-api/“You can use Paymentology's Card API to issue gift cards, prepaid cards, or multi-currency reloadable physical & virtual cards on Mastercard, UnionPay, and Visa card schemes.”paymentology.com/en/issuing-overview“Debit Cards, Prepaid Cards, Credit Cards, Hybrid Cards (debit + credit functions), Virtual Cards, Numberless Cards, Crypto & Stablecoins support”

Output types

JSON, webhook events, card tokens, authorization events, transaction data, statements, settlement reports, API responses

Webhooks

✓ Yes [9]developer.sprint.paymentology.com“Transaction Stream feature provides 'Real-time notifications for transactions'”developer.sprint.paymentology.com/card-api/api-reference/remotemessaging/“Messages are delivered as HTTP POST requests with JSON content. The system expects an HTTP response code 200 (OK) to confirm acceptance, with a total round-trip time under 4 seconds.”

Sandbox / test mode

✓ Yes [10]developer.sprint.paymentology.com/get-started/“The platform provides two testing environments: a test environment for simulating transactions and a live environment.”

SDK languages

Android, iOS [11]developer.paymentology.com/docs/start-get-started“The Digital Card Engine section references: Android SDK with component references, styling/theming, and data models; iOS SDK with similar functionality; Headless/API option for custom implementations.”

MCP server

✗ No [12]developer.sprint.paymentology.com“No MCP server mentioned in the developer documentation or on the company website.”

SOC 2

– Unknown [13]developer.sprint.paymentology.com/get-started/security/“Certified Service provider PCI DSS Level 1 service”

HIPAA

✗ No [14]paymentology.com/platform/security-and-privacy“PCI-DSS and PSD2 SCA compliant. One integration covers the standards that matter in every market you operate in.”

GDPR

✓ Yes [15]paymentology.com/en/platform-overview“Security that scales without holding you back. ISO certified, GDPR compliant.”paymentology.com/platform/cloud/“GDPR, Mastercard and Visa certified. Built in, not bolted on.”

ISO 27001

✓ Yes [16]paymentology.com/platform/security-and-privacy“Paymentology complies with the ISO27001 international standard for information security management systems.”paymentology.com/en/platform-overview“Security that scales without holding you back. ISO certified, GDPR compliant.”

PCI DSS

✓ Yes [17]paymentology.com/platform/security-and-privacy“PCI-DSS and PSD2 SCA compliant. One integration covers the standards that matter in every market you operate in.”developer.sprint.paymentology.com/get-started/security/“Certified Service provider PCI DSS Level 1 service”

Published SLA

✗ No [18]paymentology.com/platform/cloud/“Zero downtime deployments, active-active architecture, redundant servers providing fault tolerance, disaster recovery with auto-scaling, high availability, always — but no specific SLA percentage or formal SLA document found.”

Known restrictions

Paymentology does not act as BIN sponsor itself - it connects clients with third-party BIN sponsors via Mastercard Fintech Express and Visa Fintech Fast Track networks, PCI DSS Level 1 certified service provider, Onboarding requires direct engagement with sales team - no self-serve card program launch, Program go-live quoted as 'under eight weeks from signed agreement', BIN sponsorship availability varies by region and is matched by Paymentology to appropriate sponsors [19]developer.sprint.paymentology.com/get-started/security/“Certified Service provider PCI DSS Level 1 service”paymentology.com/bin-sponsoring“Paymentology does not act as a BIN sponsor themselves. Instead, they function as an intermediary that 'connect[s] you with the right sponsor, in full compliance.' Paymentology leverages partnerships with Mastercard Fintech Express and Visa Fintech Fast Track, providing 'access to BIN sponsors worldwide, not just in one region.'”

• Docs

Docs rendering: static

API style

rest

Base URL

https://developer.paymentology.com/bankinglive/

Version

v3.0

Versioning

url

Stability

ga

Auth methods

api_key, mtls, hmac_signature

Error format

vendor-specific

Webhook signing

hmac_sha256

SDKs

• Android
• iOS

• Auth docs
• Quickstart
• Webhook events
• Deprecation policy

Launched

1998-01-01

GA

2014-01-01

Notable customers

M-PESA, Wio, Mox, GoTyme, TrueMoney, Albo, Diamond Trust Bank, Mukuru

• Lithic

  "Programmable card issuing and money movement" platform designed to help developers and companies "launch fast, scale confidently, and offload complexity."

  Usage · public pricing · self-serve

• Stripe Issuing

  "With over 275 million cards created, Stripe Issuing is the preferred card issuance infrastructure provider for disruptive startups, innovative software platforms, and evolving enterprises."

  Usage · public pricing

• Weavr

  "Embedded finance for digital B2B products"

  Hybrid · public pricing · self-serve

• Swan

  "The easiest way to embed banking features into your product."

  Hybrid · public pricing · self-serve

• Wallester

  "Free business IBAN account with cards and expense management"

  Hybrid · free tier · public pricing · self-serve

• Adyen Issuing

  "Get everything you need to create and manage your card program with our financial technology platform."

  Sales-led

Paymentology alternatives · Paymentology vs Lithic · All Card Issuing APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: paymentology.com
2. ↑Pricing model: paymentology.com · paymentology.com
3. ↑Published pricing: paymentology.com
4. ↑Requires sales call: paymentology.com
5. ↑Enterprise plan: paymentology.com
6. ↑Supported actions: developer.paymentology.com · developer.sprint.paymentology.com
7. ↑Regions: fintech.global · paymentology.com
8. ↑Input types: developer.sprint.paymentology.com · paymentology.com
9. ↑Webhooks: developer.sprint.paymentology.com · developer.sprint.paymentology.com
10. ↑Sandbox: developer.sprint.paymentology.com
11. ↑SDK languages: developer.paymentology.com
12. ↑MCP server: developer.sprint.paymentology.com
13. ↑SOC 2: developer.sprint.paymentology.com
14. ↑HIPAA: paymentology.com
15. ↑GDPR: paymentology.com · paymentology.com
16. ↑ISO 27001: paymentology.com · paymentology.com
17. ↑PCI DSS: paymentology.com · developer.sprint.paymentology.com
18. ↑Published SLA: paymentology.com
19. ↑Known restrictions: developer.sprint.paymentology.com · paymentology.com

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"multi_region":true,"virtual_cards":true,"physical_cards":true,"spend_controls…
2. 2026-06-21 Summary Md: (none) → Paymentology is a card issuing and processing platform built for banks, fintech…
3. 2026-06-21 Score Setup Speed: (none) → 35
4. 2026-06-21 Score Procurement Friction: (none) → 0
5. 2026-06-21 Score Trust Readiness: (none) → 40
6. 2026-06-21 Best For: (none) → Teams needing broad API coverage out of the box
7. 2026-06-21 Avoid If: (none) → You need to start building today without contacting sales, You need transparent…
8. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
9. 2026-06-21 Score Agent Friendliness: (none) → 20
10. 2026-06-21 Score Pricing Transparency: (none) → 0
11. 2026-06-21 Score Docs Quality: (none) → 15
12. 2026-06-21 Robots Allows Agents: (none) → Yes
13. 2026-06-21 Docs URL: (none) → https://github.com/login?return_to=https%3A%2F%2Fgithub.com%2Fpages%2Fauth%3Fno…
14. 2026-06-21 Has Structured Data: (none) → No
15. 2026-06-21 Llms Txt Present: (none) → No
16. 2026-06-21 Rendering: (none) → static
17. 2026-06-21 Pricing Model: set to contact_sales
18. 2026-06-21 Has Published Pricing: set to No
19. 2026-06-21 Free Tier Available: set to No
20. 2026-06-21 Self Serve Signup: set to No
21. 2026-06-21 Requires Sales Call: set to Yes
22. 2026-06-21 Enterprise Plan Available: set to Yes
23. 2026-06-21 HIPAA: set to No
24. 2026-06-21 GDPR: set to Yes
25. 2026-06-21 ISO 27001: set to Yes
26. 2026-06-21 PCI DSS: set to Yes
27. 2026-06-21 SLA Published: set to No
28. 2026-06-21 Data Retention Policy URL: set to https://www.paymentology.com/en/privacy-policy
29. 2026-06-21 Known Restrictions: set to Paymentology does not act as BIN sponsor itself - it connects clients with thir…
30. 2026-06-21 Auth Methods: set to api_key, mtls, hmac_signature
31. 2026-06-21 Auth Docs URL: set to https://developer.paymentology.com/bankinglive/docs/security-static-api-headers
32. 2026-06-21 API Style: set to rest
33. 2026-06-21 Base URL: set to https://developer.paymentology.com/bankinglive/
34. 2026-06-21 API Version: set to v3.0
35. 2026-06-21 Versioning Scheme: set to url
36. 2026-06-21 Stability: set to ga
37. 2026-06-21 Deprecation Policy URL: set to https://developer.paymentology.com/bankinglive/docs/start-breaking-change
38. 2026-06-21 Quickstart URL: set to https://developer.sprint.paymentology.com/get-started/
39. 2026-06-21 Error Format: set to vendor-specific
40. 2026-06-21 Webhook Signing: set to hmac_sha256
41. 2026-06-21 Webhook Events URL: set to https://developer.sprint.paymentology.com/card-api/api-reference/remotemessagin…
42. 2026-06-21 Slug: set to paymentology
43. 2026-06-21 Launched At: set to 1998-01-01
44. 2026-06-21 GA Date: set to 2014-01-01
45. 2026-06-21 Notable Customers: set to M-PESA, Wio, Mox, GoTyme, TrueMoney, Albo, Diamond Trust Bank, Mukuru
46. 2026-06-21 Fields Not Found: set to soc2, hipaa, documented_rate_limits, minimum_commitment, free_tier_details, sla…
47. 2026-06-21 Source Confidence: set to high
48. 2026-06-21 Extractor: set to claude-subagent:sonnet
49. 2026-06-21 Last Verified At: set to 2026-06-21T00:00:00.000Z
50. 2026-06-21 Status: set to published

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/paymentology \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/paymentology/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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