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Looking for Platform for Card Issuing in Europe?

Start, manage and scale card products in the EU with our white-label platform. Create a unique customer-centric experience that inspires user loyalty and helps increase your revenue.

Modular software and apps for card products

Launch card solution in Europe in a matter of weeks, scale card offerings as you go, and drive personalized customer experience with Velmie’s modular, fast and secure banking core platform.

Captivate and retain customers

Attract and keep users with our platform's remarkably user-friendly interface, purpose-built for fintech digital journeys. Experience seamless interactions, endless personalization options, and seamless integration capabilities.

Drive growth

Fuel your growth by seamlessly incorporating new workflows, features, and integrations into Velmie's highly scalable platform, leveraging the power of our microservices architecture.

Empower your team for success

Equip your team for optimal performance with Velmie's platform, featuring a user-friendly interface, intuitive UI, and advanced analytics dashboard and reporting system to monitor and get valuable insights on your card product.

Launching a Card Program:
a Step-by-Step Guide

See the webinar record to explore how to build an exceptional payment experience with Velmie’s white-label platform

and partner ecosystem.

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Velmie’s modern card-issuing platform combines the banking core system with advanced digital components to start, manage and scale card programs. It offers seamless mobile and web access to a wide range of user-centric services and delivers a flexible and customizable experience that can enable innovative use cases and easily expand across the European market.

Fast time-to-market

Establishing and running a card program from scratch requires multiple partnerships and as a result time and money. Innovators aiming to bring unique card offerings to market need an API-led approach resulting in quick iterations, rapid prototyping, and accelerated time-to-market, all while meeting the changing needs of consumers and businesses in Europe. Velmie’s modern open API platform and network of BIN sponsors and card-issuing partners allow you to start card programs in a matter of weeks.

Secure & Compliant

Velmie's platform is designed with cutting-edge security and compliance tools to ensure the utmost data protection. The solution is equipped with biometric authentication, data encryption, role-based access control (RBAC), audit trail, and other security features to ensure that users' information remains confidential. It is compliant with GDPR and PCI DSS, ensuring customer data is fully protected and meets European industry standards.

Customization and Scalability

Customize your payment card product by selecting the features and services unique to your offering. Our platform also provides an easy path to market with a “build once and grow” model and offers you the flexibility to scale across multiple currencies and different countries in Europe, without incurring additional costs.

Open API & Ecosystem

Velmie's open API platform ensures seamless integrations with payment companies, card issuers, banks, and other EU providers to ensure instant card issuing and payment processing.

Our solution is the best choice for

Digital banks and neobanks

By offering payment card programs featuring modern card issuing and payment processing, modern banks can enhance their value proposition and increase customer engagement. Examples of such offerings are personalized rewards programs, budgeting tools, personalized security controls, contactless payments, etc.

Loyalty and rewards programs

Velmie modular software enables the launching of various loyalty and rewards programs to engage users and encourage spending. Your offerings can be featured with branded rewards cards, mobile wallet app, cashback and rewards, and personalized offers based on users spending patterns.

Corporate expense management

Fintechs that specialize in simplifying B2B expense management have a huge opportunity to offer value to their customers by streamlining their spending processes.  Payment cards can be customized to meet the unique needs of each business, with features such as spending limits, category restrictions, and real-time reporting to help businesses stay on top of their expenses. In addition, payment cards can be used to provide rewards and incentives to employees, further enhancing the value proposition for businesses.

"We like that Velmie’s platform is an all-in-one solution with the ability to be customized and scale. For us, it is as powerful and simple as achieving a new line of business, thanks to the final product developed by Velmie. Basically, we are opening a new functionality that will cross sell in an excellent way with our current product."

Alejandro González,


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Case study: 
Neobank platform for EU communities

Digital bank featuring card issuing, day-to-day payments and international remittance.

Despite the dynamic development of financial technology, some people still can’t get full access to the financial ecosystem in Europe. The mission of Walddo is to take advantage of the disruptive fintech effect targeting EU communities and introduce a mobile banking solution. The platform has been built with the digital banking technology by Velmie that brings scalable architecture, configurable back office workflows, and an API ecosystem with direct access to the market-leading payment, KYC, and other service providers. It’s a cutting-edge digital banking platform that offers users a full range of services, including account opening, virtual and physical card issuing, domestic and international transfers, eCommerce payments, and digital wallets. Plus, it offers MasterCard Send functionality, providing clients with lightning-fast payment options.

More than 100 financial institutions around the globe already building their banking products with us.

Reach out today to get your technological advantage

Explore the key platform features

Cards and accounts

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Limitless number of cards

Request as many cards as your company needs - there are no limits on the number of cards for one IBAN account.

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Digital wallet enablement

Incorporate widely used digital wallets such as Apple Pay, Google Pay, and Samsung Pay, giving your cardholders immediate access to seamless, contactless payment options.

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Powerful card control

Managing cards is made effortless with our platform, allowing for granular control down to the individual cardholder level. Take advantage of our cutting-edge features, including the ability to freeze or reorder cards, and set various limits, freeing up valuable time for your back-office team.

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Business accounts

Open an IBAN account with multicurrency support ideal for cross-border payments in AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK, SGD, USD.

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Instant card issuing

Leverage our partnership and integration possibilities to issue debit and prepaid cards, virtual and physical, and corporate and personal cards.

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White-label cards

Customize your card program with your company's branding, including the card design, mobile applications, and client web portals that reinforce your brand.

Client portal and users

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Instant onboarding

Velmie's platform offers smooth onboarding and digital KYC procedures with frictionless 3D Secure authentication that meets Europe's strong customer validation regulations. It supports a wide range of customer authentication methods, including biometrics, as well as various national identification schemes, ensuring a seamless and secure user experience.

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Data insights

Monitor and get valuable insights on your card program, analyze performance, and make data-driven decisions to optimize your offering.  Velmie's platform offers real-time access to payments and generates detailed reports on account and card transactions, providing valuable data into spending patterns.

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Keep clients engaged and communicate with them. Velmie's solution offers embedded notifications and messaging systems that allow companies to reach their clients instantly and provide a direct line of communication between businesses and clients to improve overall customer satisfaction and build stronger relationships.

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Velmie's platform provides Role-Based Access Control (RBAC) tools to define specific roles and responsibilities for businesses’ team members and customizable admin roles to meet the specific organizational structure and processes of businesses. That offers increased flexibility and control over the payment card program and ensures compliance with industry regulations.

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User groups

Our card solution goes beyond traditional card programs by offering sophisticated client segmentation and personalization features. With the ability to create customized groups, you can tailor card programs to meet the unique needs and preferences of each segment of your customer base.

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