Best Turnkey Card Programs with BIN Sponsorship
Card-issuing platforms that provide BIN sponsorship and program management so you can launch without your own sponsor bank.
Our pick: Lithic
Lithic is a programmable card issuing and money movement platform for developers and fintechs, covering virtual, physical, prepaid, debit, credit, charge, and fleet card programs in the US and Canada. Pricing is usage-based with published rates and self-serve signup; an enterprise tier is available for programs exceeding $250K monthly volume, which also unlocks physical and tokenized card issuance. The REST API supports webhooks, idempotency, and SDKs in six languages, with a sandbox environment for testing and an MCP server available. Lithic holds SOC 2 Type II, ISO 27001, and PCI DSS certifications, and counts Mercury, Novo, and Parker among its customers.
Best for: Regulated or enterprise workloads - compliance attestations and an enterprise plan; AI agents and automation - an agent-ready surface (MCP / llms.txt); Teams needing broad API coverage out of the box.
Avoid if: You want to try it free before paying
Best for…
Ranked (10)
#1 Lithic
59 / 100- Best overall
- Best for enterprise
- Best for agents
Lithic is a programmable card issuing and money movement platform for developers and fintechs, covering virtual, physical, prepaid, debit, credit, charge, and fleet card programs in the US and Canada. Pricing is usage-based with published rates and self-serve signup; an enterprise tier is available for programs exceeding $250K monthly volume, which also unlocks physical and tokenized card issuance. The REST API supports webhooks, idempotency, and SDKs in six languages, with a sandbox environment for testing and an MCP server available. Lithic holds SOC 2 Type II, ISO 27001, and PCI DSS certifications, and counts Mercury, Novo, and Parker among its customers.
PricingUsage · free tier ✗TrustSOC 2 Type II · ISO 27001 · PCI DSSDoesUsed byMercury, Novo, Parker, GiftlyAvoid ifYou want to try it free before paying#2 Stripe Issuing
50 / 100Stripe Issuing is a card issuance infrastructure API for platforms, fintechs, and enterprises that need to create virtual or physical cards, covering expense management, B2B programs, fleet cards, and embedded finance. It is available in the US, UK, Canada, and across the EU, with over 275 million cards created and customers including Ramp and Shopify. Pricing is usage-based at $0.10 per card, though access requires a sales conversation and a compliance review before launch. The REST API ships with SDKs for seven languages, webhooks, sandbox access, and certifications for SOC 2 Type 2, PCI DSS, and GDPR.
PricingUsage · from $0.10 card · free tier ✗TrustSOC 2 Type II · GDPR · PCI DSSDoesUsed byRamp, Shopify, WayflyerAvoid ifYou need to start building today without contacting sales#3 Weavr
47 / 100Weavr is an embedded finance platform targeting B2B SaaS products in the UK and EU, enabling businesses to issue virtual and physical cards, manage spend controls, and run programs such as expense management, accounts payable, employee benefits, and loyalty schemes. Cards run on Mastercard and Visa networks via Weavr's own EMI licences (Malta MFSA, FCA-authorised UK), so no separate sponsor bank is needed. Pricing starts at £1,947 or €2,370 per month for the Launch plan covering B2B payments use cases, with a Scale plan for consumer payments requiring a sales conversation. The REST API supports webhooks, idempotency, sandbox testing, and push provisioning SDKs for iOS, Android, and React Native, and Weavr holds ISO 27001, PCI DSS, and GDPR certifications.
PricingHybrid · free tier ✗TrustGDPR · ISO 27001 · PCI DSSDoesUsed byFinway, Ben (Thanks Ben), finway, 11OnzeAvoid ifYou want to try it free before paying#4 Swan
43 / 100Swan is a Banking-as-a-Service API for software platforms and SaaS companies that want to embed accounts, IBANs, and card issuance into their products across 30+ EEA countries. It handles its own EMI licensing through the French ACPR, so partners do not need a separate sponsor bank. The API is GraphQL with OAuth2 and supports virtual, physical, and single-use cards on Mastercard, spend controls, and Apple Pay/Google Pay provisioning. Pricing starts at €2,990 per month with a free unlimited sandbox, and the platform is GDPR, ISO 27001, and PCI DSS certified.
PricingHybrid · free tier ✗TrustGDPR · ISO 27001 · PCI DSSDoesUsed byPennylane, Agicap, Lucca, AccountableAvoid ifYou want to try it free before paying#5 Wallester
50 / 100- Only free option
Wallester is a Visa card-issuing platform and licensed EMI that lets fintechs, neobanks, and non-financial companies launch white-label card programs without needing their own bank relationship or Visa membership. It covers the full card lifecycle including virtual and physical card issuance, spend controls, 3DS, push provisioning, and KYC/KYB, and is available across 31 EEA countries and the UK. Pricing starts at a free tier with 300 virtual cards, while white-label programs begin at €2,495 per month for non-financial institutions, subject to due diligence. The REST API is PCI DSS Level 1 certified, supports real-time webhooks, and comes with a sandbox environment and a TypeScript SDK.
PricingHybrid · free tier ✓TrustGDPR · PCI DSSDoesUsed byHolm Bank, Latvijas Pasts, KuCoin, WeavePayAvoid ifYou have strict compliance requirements#6 Adyen Issuing
31 / 100Adyen Issuing is a card program management API for platforms and marketplaces that need to embed branded virtual or physical cards into their products, covering use cases from supplier payments to corporate expense management. It is available in the US, UK, and European Economic Area, where Adyen operates under its own banking license and acts as BIN sponsor, removing the need for a third-party sponsor bank. Pricing is custom and requires a sales engagement; no self-serve sandbox access is available. The REST API ships with SDKs in seven languages, supports webhooks and idempotency, and holds SOC 2 Type 2, ISO 27001, and PCI DSS certifications.
PricingSales-led · free tier ✗TrustSOC 2 Type II · GDPR · ISO 27001 · PCI DSSDoesUsed byGlovo, SpendeskAvoid ifYou need to start building today without contacting sales#7 Marqeta
45 / 100Marqeta is a card issuing platform that lets companies launch virtual and physical card programs, including expense cards, BNPL cards, neobank debit, credit programs, and marketplace payouts, across 40+ countries. Pricing is not published and requires a sales engagement; sandbox access is self-serve but live program launch needs approval. The REST API supports webhooks, idempotency, and a Python SDK, and Marqeta holds SOC 2 Type 2, ISO 27001, PCI DSS Level 1, and GDPR certifications. Notable customers include Square, Uber, Affirm, DoorDash, Instacart, and Google.
PricingSales-led · free tier ✗TrustSOC 2 Type II · GDPR · ISO 27001 · PCI DSSDoesUsed bySquare (Block), Uber, Affirm, InstacartAvoid ifYou need transparent pricing up front#8 Unit
39 / 100Unit is an enterprise-grade embedded finance platform for software companies that want to offer banking and card products to their own customers, covering virtual and physical debit, credit, and prepaid cards with spend controls, authorization streaming, and JIT funding. It operates in the United States only, with Visa card issuance through FDIC-member bank partners. Pricing is not published and requires a sales conversation. The REST API supports webhooks, idempotency, and a sandbox environment, with SDKs for Node.js/TypeScript, Python, and Ruby, and holds SOC 2 Type II and PCI DSS Level 1 certifications.
PricingSales-led · free tier ✗TrustSOC 2 Type II · PCI DSSDoesUsed byHoneyBook, Homebase, Roofstock, AngelListAvoid ifYou need transparent pricing up front#9 Enfuce
35 / 100Enfuce is a card issuing and payment processing platform for fintechs, brands, and enterprises looking to launch debit, prepaid, credit, or specialty card programs (expense, fleet, EV, kids) without needing their own EMI license or scheme membership, as Enfuce holds dual EMI authorization from the Finnish FSA and UK FCA and is a principal Visa and Mastercard member. It covers the full card lifecycle via REST APIs, including spend controls, tokenization, 3DS, dispute management, KYC/KYB, and real-time webhooks, with a sandbox available for self-serve testing. Geographic coverage spans the EEA, United Kingdom, and Latin America, and the platform is PCI DSS Level 1 certified. Pricing is quote-only with no published rates.
PricingSales-led · free tier ✗TrustGDPR · PCI DSSDoesUsed byPleo, Swile, Memo Bank, SEB EmbeddedAvoid ifYou need transparent pricing up front#10 Highnote
17 / 100- Broadest surface
Highnote is a US-only card issuance platform for building consumer and commercial card programs, including debit, credit, prepaid, fleet, expense, and virtual B2B cards, targeting fintechs and enterprises launching embedded finance products. It exposes a GraphQL API with webhook support, idempotency, and granular spend controls such as velocity rules, merchant category filters, and real-time collaborative authorization. Pricing is not published and requires a sales engagement. Highnote holds PCI DSS Level 1 certification as a service provider and is SOC 1 and SOC 2 compliant, operating under a bank sponsorship model with FinCEN MSB registration.
PricingSales-led · free tier ✗TrustPCI DSSDoesUsed byNetevia, Splitit, FerryAvoid ifYou need to start building today without contacting sales