Accounts, payments and cards. Enabled by an EMI and BIN sponsor.
Bring regulated payment capabilities to market through Paynovate’s EMI licence, BIN sponsorship, scheme access and partner ecosystem, without building every dependency yourself.
Access the payment ecosystem. Build around your use case.
You bring the proposition, customer journey and commercial model. Paynovate brings the regulated foundation around it.
Access the capabilities needed to launch and operate payment products in the real world: IBAN accounts, SEPA flows, BIN sponsorship, card issuing, scheme services and compliance operations.
Structured for more than one program.
One payment setup can quickly become many: different card programs, account flows, partners, customer segments, controls, and operating requirements.
Paynovate helps keep that structure clear, so each program can run with the right setup, responsibilities, compliance processes and room to expand.
Program-level setup
Configure each program around its own use case, card type, account structure, customer journey, controls and operational requirements.
Clear separation
Keep products, partners and customer segments organised with defined flows, responsibilities, compliance processes and support models.
Room to expand
Add new programs, payment flows, markets or value-added services over time without turning the operating layer into a tangle.
Services that make the program more complete.
Core issuing and account capabilities get the program live. The right surrounding services make it more useful, more differentiated and easier to package around your customers.
Card production and personalisation
Turn your issuing setup into a branded physical card experience, with support for card creation, production and personalisation.
Card-linked benefits
Add insurance and selected services connected to the cardholder experience.
Premium travel perks
Offer lounge access for eligible users where travel benefits matter to the proposition.
Future FX capabilities
Support more international and multi-currency use cases as your roadmap expands.
Launch with less heavy-lifting.
Bring regulated payment capabilities to market without building every licensing, scheme and operational dependency yourself.
Compliance in the workflow.
Support onboarding, KYB, screening, monitoring and reporting as part of the way your program operates.
Expand without starting again.
Start with the capability your product needs first, then add accounts, SEPA flows, cards or value-added services as the proposition grows.
Why teams choose Paynovate
An EMI behind your programme.
Launch with regulated infrastructure, program oversight and operational support behind you.
Scheme access where it matters.
Use Paynovate’s Visa and Mastercard principal memberships and BIN sponsorship model to support eligible issuing programs.
Your customer experience stays yours.
Own the journey, touchpoints and commercial model while Paynovate supports the regulated payment layer.
Built for real money movement.
Support IBAN accounts, SEPA flows, card issuing and account-to-card journeys around your users’ needs.
Less provider complexity.
Bring more of the licensing, scheme, payment, card and compliance ecosystem together through one partner.
Room for the next program.
Start focused, then expand into new flows, card programs, customer segments or markets over time.