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Modular Platform for Card Issuing in Europe

Modern software and apps to start, manage and scale card programs in the EU.



Cards play a crucial role for European citizens and businesses in their daily payment transactions. The euro area saw a staggering rise in card transactions to €56.3 billion, highlighting the increasing reliance on payment cards. Nowadays, customers demand more than just a typical payment experience; they crave a seamless and enjoyable experience that is fast, secure, and effortless. Ever-increasing user requirements have led to innovative card offerings gaining global recognition and earning high customer loyalty. However, building such innovative products requires a modern technological foundation.

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 platform 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. The platform 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.

Use Cases

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, cashback and rewards, and personalized offers based on users spending patterns, etc.

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.


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.

Partner Ecosystem

Partnering with industry leaders is essential for creating winning card programs, and Velmie has pre-qualified best-in-class partner modules to complement card programs. From card issuing to customer onboarding and multi-currency operations, Velmie works closely with trusted partners in Europe to determine the best solution to meet business goals and end customer needs, and bring card offerings to market quickly.

Thanks to the partner ecosystem in the EU including BIN sponsors and card-issuing partners, we provide a comprehensive offer to our clients combining compliance-as-a-service, KYC, transaction monitoring, and regulatory reporting processes to take regulatory pressures off our clients' plates.

  • What are the advantages of using Velmie for card programs?
    Velmie's platform is designed to be highly flexible and customizable, giving businesses the ability to tailor the solution to meet their specific needs. This includes the ability to make customizations and extensions as needed, as well as the ability to integrate with other systems through an API middleware layer. This middleware layer allows businesses to extend the platform with additional API connections and local vendors, making it easier to integrate with existing systems and processes. By offering this level of flexibility and integration, businesses can create a more seamless and efficient payment card program that better meets the needs of their customers.
  • What limits can I put on the cards?
    Our solution enables cardholders to set their own limits and control where, when, and how a card is used on a granular level. The platform provides comprehensive control over card usage with the ability to block e-commerce transactions and restrict spending in specific categories. Additionally, businesses can block usage in certain geographic locations and set real-time spending limits and counters on individual cards, allowing for greater control over card programs.  
  • What is the estimated timeframe for going live with Velmie's Card Issuing Platform?
    Velmie's end-to-end product delivery service streamlines the process of going live with a card program, typically taking only four weeks. By eliminating the need for businesses to allocate resources for building front-end apps and API integration, Velmie enables them to focus on delivering a superior customer experience.
  • How can I manage the card program built on Velmie’s platform?
    Our API enables businesses to automate all aspects of card program management through their own app. However, we understand that API interaction can be complex, which is why we also offer a user-friendly back-end portal. This portal allows customer support teams to manage cards at the individual cardholder level, including freezing and reordering cards. This streamlined process saves valuable time for back-office teams.

Our Locations

United States

501 Silverside Road
Suite 105 Wilmington, DE 19809

United Kingdom

120 High Road
East Finchley London, N2 9ED


Saltiniu g. 5-101
Vilnius, LT-03214

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