Card as a Service for mobility

Card as a Service
for mobility

Improve customer experience by making your mobility service easy to use and pay for. How? Launch your own mobility payment card in just eight weeks!

What is Card as a Service?

Enfuce Card as a Service is a turnkey card issuing service for mobility fintechs and other growth-minded companies. Through Card as a Service, you can launch feature-rich payment cards in just weeks rather than months.

Benefits of Card as a Service


Realise your vision

We can make your vision happen. With our wide range of payment features, you’ll bring even the most ambitious use cases to life and provide a great cardholder experience.


Make payments easy

Incorporating a payment card to your mobility service makes it super easy to use. Simply select the ride, click to confirm and just go!


Loyalty programs

Incentivise your customers to pay with your mobility payment card. Enable them to get special offers, discounts and bonus points to pay for other services, such as hotels, rental cars, taxis and much more.


More customer data

Get actionable insights on what, how and where your customers use our mobility service, and how much they pay. Create new value-added services to negotiate better contracts with mobility operators.


Top industry experts

You don’t need to do it alone. You’ll always have top industry experts within your reach to guide you towards your goal. Step by step and every step of the way, all the way.


Enhanced business case

The more your payment card is used the more revenue you’ll generate. You’ll make money from single rides, subscriptions and every payment transaction made with your cards.

How it works

Get everything you need to issue payment cards for your customers in just weeks rather than months.
Focus on your core business, and we’ll make sure your card business is always up and running and compliant.

Card as a Service a one-stop shop for card issuing

Through Card as a Service, you’ll get everything you need for your payment solution – from the Electronic Money Institution (EMI) licence to physical cards, and more. Don’t worry, you don’t need to buy every feature or tool we have to offer. 

Here’s how we do it: First, we need to understand your short-term and long-term goals and needs. Based on that, we’ll configure your solution with the features and tools you’ll need to achieve your goals. What’s best for you is also best for us: We’re not afraid to challenge you on what features and tools best serve your company’s interests.

Enfuce one-stop shop for card issuing Card as a Service

BIN sponsorship – speed up the process and launch in just eight weeks

Financial supervisory authorities require you to have a licence to issue cards. Don’t have one? Don’t worry, we’ve got you covered. Have one? Awesome! Then you don’t need to buy it from us.

With us, you can issue Visa and Mastercard products for your customers without being a principal card scheme member. This will save you time, money and a lot of grey hairs. And we’ll take care of the program management for you.


Payment processing – expertise in open and closed loop

We process payments at 99.99% availability at minimum – directly from both Visa and Mastercard. Don’t want to involve the card schemes? No problem. We also process closed-loop transactions.

Would you like us to handle the accounts and their balances? That’s what we are really good at!

Or would you like to keep the accounts and their balances to yourself instead? No worries! We’ll just make all the card-related security checks and fraud monitoring before forwarding the authorisations to you. 


Digital wallets for premium customer experience and instant issuing

Build customer engagement and retention through digital wallets. Your cardholders can start using Google Pay, Apple Pay and Samsung Pay instantly after applying for their cards.


The widest feature portfolio on the market

You’ll get access to a wide range of card features and improve customer experience – for both consumer and business customers. Whether you’d like to issue prepaid cards in one country or credit cards in multiple countries, there are endless possibilities to grow and evolve with us.

We’ll build your payment solution with your end-customers in mind, which means you can create a smooth and optimal customer experience. We invest heavily in PCI-DSS certifications so you don’t need to.

When you choose Enfuce’s Debit BIN, you can issue pre-funded debit and prepaid cards. You’ll decide the setup of your card product, or you can issue both types of cards.

Debit card: When your cardholder pays with a debit card, there’s an immediate transfer directly from their bank account. Debit is a more widely accepted payment method than prepaid globally.

Prepaid card: Prepaid cards are the most common choice for fintech challengers. Through Card as a Service, you’ll have the means to handle top-ups and account balances in real time.

Issue feature-rich credit card products in many forms, such as buy now pay later, instalments, charge cards and revolving credit. Compatible with all geographies and payment methods, including virtual and physical cards, digital wallets, and more.

Charge card: a type of credit card that requires 100% of the outstanding balance to be repaid at once.

Revolving credit: a type of credit that doesn’t require the outstanding balance to be repaid in full at once, but can be paid in instalments or parts as well.

Issue physical and virtual gift cards with a consistent customer experience across channels. You can choose to issue on-time or reloadable gift cards.

Increase customer loyalty and open new revenue streams by issuing feature-rich fleet cards for both consumers and business customers.

Learn more about our fuel and fleet card offering.

Enable your customers to make purchases without having to pay for them right away. Instead, they get the flexibility to pay for their purchases over time, or in instalments.

Let us take care of statements and invoices, balances, instalments, interest, statement delivery and more for revolving credit products.

Issue your consumer customers anything from prepaid to credit cards. Enable them to pay how they want to pay, be it a plastic or virtual card, digital wallet, smart watch or any other wearable.

Issue your business customers anything from prepaid to credit cards with various digital features, unlimited hierarchies and value-adds like detailed reporting and analytics.

Scale your card business to new countries and grow your business. Rules, requirements and features can be adjusted for each country.

Scale to new markets more easily in the future. Enable your customers to have multiple currencies on their payment cards.

The multi-currency capability is a major priority for fintechs as international travel and cross-border transactions continue to surge. It’ll help you succeed in an ultra-competitive market.


Cardholder experience – boost use rate and loyalty

Create the best customer experience for your cardholders – wherever, however or whatever they pay for. Ease of use, sense of security, and tailored bonus programmes increase customer loyalty, visiting frequency, and average spend.

Remember: We keep you out of the PCI scope. This means that we invest heavily in PCI-DSS certifications so you don’t need to.

Allow your customers to choose their PIN codes themselves on both desktop and mobile devices.

Let your customers access the PIN code of their cards easily and securely – anywhere, anytime, any place.

Enable your customers to pay online, or add their card to a digital wallet. Virtual cards are always included in the price of Card as a Service.

Test our calculator to get an estimate on the pricing of issuing cards with us.

Get your payment card product to the market in just weeks – whether in physical or virtual form, or both.

Increase customer engagement and loyalty by giving your customers bonuses or discounts. You can give them points for every purchase, amount spent or even every day they use their cards – the possibilities are endless.

Give your customers the control over their card usage and spending, and make it easy for them to change their card settings. On top of the common payment limitations, you can also choose to limit purchasing certain kinds of products or services, for example.

Give your customers access to the exchange rate and benchmark rate when they pay in another currency – before and after the purchase. This is required by EU Cross Border Payment regulation (EU 2019/518).


Get real-time access to our service via APIs

When you know your business case for cards, we’ll guide you every step of the way on which APIs you need to use. Thanks to our APIs and API documentation, it’s easy for developers to create what your business wants and needs.


MyApp – a ready-to-launch mobile app for your card business

Enfuce MyApp is an easy-to-use tool, available on both iOS and Android, for your card users to manage their cards and check transaction details. It is a fast way to test your payment cards offering in the market, as it can be launched in eight weeks and hand in hand with your card product. You don’t need to bind internal development resources or source for another partner.

Configure the features as you like and design with your branding style. Enfuce will handle the rest!


MyEnfuce – manage your products and data on a single platform

Use our full self-service portal for testing, onboarding, using and learning more about our products and services. You’ll get access to our sandbox testing environment, API documentation, card and transaction operations in real time, and service analytics.

Learn more about MyEnfuce


Security and compliance: Peace of Mind as a Service

Enable your customers to make safe and secure purchases online. 3D Secure (3DS) enables you to be compliant with European regulations and protect your cardholders from fraud.

We at Enfuce host the 3D Secure service ourselves, which enables the smoothest and the most frictionless user experience on the market.

Always comply with European regulations, which require you to give third parties access for all digital accounts. We’ll take care of the lifecycle of PSD2 for you, including:

  • APIs for Account Information Service, Payment Initiation Service and Confirmation of Funds
  • Third-party provider (TPP) validation
  • Secure Customer Authentication (SCA)
  • Transaction trails
  • Consent management
  • Compliance reporting
  • Sandbox test environment

Learn more about our PSD2 compliance service.


My Carbon Action – enable your customers to make sustainable choices

Calculate the carbon footprint of each purchase your customers make. Help them cut and compensate for their CO2 emissions. You can also do sustainability reporting for your company, incorporate sustainability into your business and show your commitment to save our planet.


Fraud monitoring and business process outsourcing (BPO)

You’ll always have our fraud and dispute management experts within your reach. By outsourcing fraud and dispute management to us, you’ll save a lot of time and money. You won’t need to maintain fraud or dispute specialists, related trainings or processes in house.

Our fraud specialists detect any fraud attempts for you and minimise your losses as a card issuer. You can sleep well at night because our fraud prevention system will stay up and running 24/7. You’ll also get a portfolio analysis, fraud reporting and a highly-skilled second-line support.

Our dispute specialists support your customer satisfaction and prevent losses you would otherwise make. By outsourcing your dispute management to us, you won’t need to worry about following card schemes’ standards: We’ll do that for you and support you in being scheme and PSD2 compliant.


How to launch the winning payment card

Your complete guide to successful card issuing in 2020s: Everything you need to know to issue a future-proof card product, including use cases, ecosystem partners, build vs. buy considerations, and more.


Hear it from customers – they love and praise us!

As a customer, you’ll get easy-to-use, safe and scalable payment solutions that your customers and end-users worldwide can trust and love. Check out what our customers think about working with us!

Hear it from customers – they love and praise us!

As a customer, you’ll get easy-to-use, safe and scalable payment solutions that your customers and end-users worldwide can trust and love. Check out what our customers think about working with us!

Together with Enfuce, we solved one of the biggest problems in the mobility industry, namely, letting people make payments for any mode of transport globally. With Enfuce’s close guidance, we can offer Whim customers a reliable, efficient and most of all easy payment experience – bringing us closer to our vision of truly friction free travel.

Petteri Laesvuori, CTO at MaaS Global.

The collaboration with Enfuce is enabling us to offer more cutting-edge features to our existing and new customers faster. With their card-issuing service, we’ve been able to smoothly and quickly onboard end-users in six markets.

Niccolo Perra, CTO and Co-Founder at Pleo

With a card issuing solution, we have been able to further strengthen our value proposition for the increasingly demanding market by introducing new functionalities fast.

Jonas Hultin, CEO at Rocker

We and Enfuce spoke the same no-nonsense language right from the start. Like us, they don’t beat around the bush. We understand how they work, and they understand how we work. This is a huge asset for us when it comes to technical discussions and development.

Jean-Daniel Guyot, Co-founder and President of the Management Board at Memo Bank

Test our pricing calculator.

Want to learn more about the basics of payments?

Read this article to find the answers to most frequently asked questions that will help you learn who is involved in different processes and how card issuing and payment processing works in practice.


Get your payment product live fast and smoothly.

Smooth onboarding is not just a tech project but also a collaboration project. There are three cornerstones of how we plan your onboarding.



Having clear documentation and a structured plan is key. Our proven and tested off-the-shelf features make sure that you don’t always have to start from scratch. The tech also needs to be secure, compliant and scalable. 



You’ll be assigned a specific Customer Success Manager (CSM). As your one-stop contact for anything you need, the CSM also makes sure your project proceeds according to plan and gets you access to the resources you need, when you need them.



Your onboarding follows a four-phase project structure that helps you build your app towards our APIs in a focused way. You won’t have to wait for large building blocks to fall in place before you can start.  

This is how we help you

issue cards in only eight weeks


Solution design

  • Workshops with our experts
  • Defining your card solution


  • Product configuration
    • Required enablers
    • UI and app design


  • Street pilot and initial user feedback
  • Launch your card

Scaling up

  • Enter new geographical market
  • Grow your userbase


  • Continuous user analytics
  • Unlock new features

Contact us