Scheme membership, BIN sponsorship and regulatory coverage, already in place.
For companies that need to issue cards without holding their own licence, BIN sponsorship is the route. The licence, scheme membership and operational compliance layer sit with Enfuce as the regulated counterparty. Your team builds the product on top.
The benefits of issuing cards on a regulated infrastructure.
Direct, compliant card issuing.
Holding an EMI licence requires a compliance team, governance infrastructure, risk capital and regulatory audits. With BIN sponsorship, all of that sits with Enfuce, your regulated counterparty. Your team focuses on the product and the customers using it.
Your product, our foundation.
The product design, customer experience and brand are entirely yours. The regulatory and operational infrastructure sits underneath it, modular and API-first, so you build precisely what your programme needs.
Compliance built into the foundation.
As dual-regulated EMI, FSA and FCA authorised, with Visa and Mastercard principal membership, the compliance foundation is already in place. PSD2, AML, PCI DSS and GDPR, are handled.
The organisations BIN sponsorship is built for.
Banks and EMIs.
You already hold your own licence. BIN sponsorship adds scheme certification, so expanding into new geographies or launching new products is a configuration rather than a build.
Fintechs and digital lenders.
BIN sponsorship handles the regulatory requirements, so your engineering and capital go directly into building the card programme. The regulatory infrastructure is already in place, ready when you are.
Non-financial brands.
You’re the brand your customers know. The regulated entity behind the card sits separately, so a retail, mobility or platform company can offer cards without becoming a financial services business.
Enterprises.
Running B2B or B2C card programmes across multiple markets under one regulated partner consolidates the vendor landscape, with compliance, scheme access and operational infrastructure consistent across every market.
Why BIN sponsorship is the direct route to card issuing.
For banks expanding into new markets, digital lenders adding card products and non-financial brands entering embedded finance, the route to card issuing runs through regulation, licensing and scheme access.
Becoming a principal scheme member typically takes 12 to 24 months and requires significant regulatory capital. BIN sponsorship puts a regulated counterparty in place from the start, so the path to market is clear.
BIN sponsorship, in plain terms.
Daniel Fabricius
VP of Operations
Compliance complexity is real, it just doesn't have to be yours to solve. Hear why migrations live or die on planning, and what compliance, tooling and infrastructure actually cover.
Michael Fabricius,
Head of Customer Onboarding.
One minute, one clear answer: what a BIN sponsor actually handles, from the regulatory licence to scheme membership and the scheme guidelines that come with it.
BIN sponsorship and licensing, explored in depth.
Everything you need to know about BIN sponsorship, from how it works and what it costs to how to choose the right partner.
Your route to card issuing starts here.
Tell us what you’re building and we’ll show you how BIN sponsorship gets you there.
