Card Issuing

Launch and operate card programmes through one orchestration layer

BearlaPay Card Issuing provides a single platform layer to build and operate card programmes while connecting to multiple regulated BIN sponsors. BearlaPay does not issue cards directly. It orchestrates issuer partners and standardises the operating model so you can launch, control and scale without building bespoke integrations for each sponsor.

Key Capabilities

  • BIN Sponsor Orchestration

    One integration, multiple BIN sponsors

  • Full Lifecycle Control

    Issue, activate, freeze, block, and replace

  • Spend Controls

    Limits, MCC rules, and geo controls

  • Real Time Streaming

    Transaction streaming for monitoring

BIN sponsor orchestration

Run one integration and keep your issuing stack flexible:

One platform layer

Connect to one platform layer while supporting multiple BIN sponsors

Standardised operations

Standardise lifecycle states and operational handling across sponsors

Easy expansion

Reduce rework when expanding markets, programme types, or sponsor relationships

Card lifecycle operations

Operate the full lifecycle through one consistent model:

Issue

Issue virtual and physical cards.

Activation

Activation and ongoing management.

Freeze, Block & Replace

Freeze, block and replace cards.

Consistent States

Consistent card state handling across sponsors.

Spend controls and policy enforcement

Apply the controls programme managers and risk teams expect:

Spend limits

Configure limits at the appropriate level for your programme design

MCC rules

Merchant controls using MCC rules

Geo controls

Geographic restrictions where required by policy or programme requirements

Tokenisation and digital wallet capability

Support modern card experiences with token handling aligned to programme configuration:

Tokenisation handling

Support for tokenisation patterns aligned to programme configuration.

Apple Pay and Google Pay

Support for Apple Pay and Google Pay integration.

Card Tokenisation

Card tokenisation via Apple Pay, Google Pay and Samsung Pay where supported by the programme and sponsor.

Just in time funding from BearlaPay wallets

For programmes that require controlled funding, BearlaPay supports JIT funding from the BearlaPay wallet layer so authorisation funding decisions align to your balance model and controls.

Real time transaction streaming

Operate card programmes with timely visibility:

  • Real time card transaction streaming for monitoring, controls and downstream workflows

Programme formats and coverage

Support common issuing requirements across programme types:

Debit, Prepaid & Corporate

Debit, prepaid and corporate cards.

Virtual and Physical

Virtual and physical issuance.

Multi Currency

Multi currency card support.

What BearlaPay provides vs what partners provide

BearlaPay provides

  • Orchestration layer across BIN sponsors
  • Card lifecycle operations (issue, activate, freeze, block, replace)
  • Spend limits, MCC rules and geo controls
  • Tokenisation handling and digital wallet capability (programme dependent)
  • JIT funding from BearlaPay wallet
  • Real time transaction streaming
  • A consistent operational model across sponsors and programmes

Partners provide

  • Issuer BINs (Visa/Mastercard)
  • Physical and virtual card production
  • Debit, prepaid and corporate programme configurations
  • Scheme level compliance
  • Chargeback processing

Deployment options

Whitelabel SaaS

You contract your issuing partners/BIN sponsors. BearlaPay provides the orchestration and operating layer for lifecycle, controls, tokenisation handling, JIT funding and transaction streaming.

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Fintech as a Service

Use the same platform model, with BearlaPay orchestrating sponsor partners and operating the applicable components within the delivery model.

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Book a demo

See how BIN sponsor orchestration, lifecycle operations, spend controls, tokenisation handling, JIT funding and real time transaction streaming fit your programme design and target markets.

Book a Demo