Cards as a Service
Cards-as-a-Service (CaaS) is the delivery of card issuing infrastructure — programme management, BIN sponsorship, processing, and compliance — through APIs so non-bank companies can launch branded card programmes.
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Key Features
BIN sponsorship
Issue cards under our scheme programme — no need to be a principal member.
Virtual & physical
Launch virtual-only or add physical card production.
Programme controls
Configure card products, fees, limits, and 3-D Secure flows.
Wallet provisioning
Push cards to Apple Pay and Google Pay out of the box.
Authorisation hooks
Approve or decline transactions in real time from your service.
Compliance tooling
KYC, KYB, sanctions, and transaction monitoring as APIs.
Who Is It For?
Fintechs
- ✓ Neobank card programmes
- ✓ Expense management
- ✓ Spend wallets
Vertical SaaS
- ✓ Trade-specific cards
- ✓ Customer rewards cards
- ✓ Embedded purchasing
Marketplaces
- ✓ Seller debit cards
- ✓ Buyer financing
- ✓ Branded gift cards
How It Works
- 1
Design your programme
Define card products, controls, and economics with our team.
- 2
Integrate the API
Issue cards, handle authorisations, and provision to wallets.
- 3
Launch
Complete compliance and scheme reviews, then go live.
Benefits
Skip scheme onboarding
Launch on our authorisations, not your own multi-year programme.
Modern stack
Modern APIs and webhooks instead of legacy batch files.
End-to-end coverage
From BIN to wallet provisioning in one provider.
Without vs With qeam.net
Without qeam.net
- • Direct scheme membership required
- • Multi-year programme launch
- • Heavy compliance build-out
- • Legacy file-based processing
With qeam.net
- ✓ BIN sponsorship on day one
- ✓ Weeks to launch
- ✓ Compliance as APIs
- ✓ Modern API-first processing
Frequently Asked Questions
Open Your Cards as a Service Today
Fully digital onboarding. Get verified in minutes, subject to compliance checks.