BIN sponsorship

The secure, compliant route to launching your card product, without the wait.

BIN sponsorship: accelerate your card programme launch.

Launching a card programme used to take months, or years. Lengthy scheme certification, infrastructure investment and licence approvals slowed growth and added cost.

Enfuce changes that. With BIN sponsorship, you can:

Skip the wait: Access Visa and Mastercard networks via our principal membership.
Stay in control: You own the product, customer experience and brand.
Launch securely: We handle compliance, scheme alignment and technical complexity.

Whether you’re a regulated bank entering a new market or a digital lender building your first card, our BIN sponsorship gives you the foundation to issue debit, credit or prepaid cards, without compromise.

Why should you choose BIN Sponsorship?

Becoming a principal scheme member means heavy regulatory approvals, risk capital and ongoing compliance. BIN sponsorship helps you bypass these challenges:

Accelerate your launch: Go live in months, not years.
Reduce cost and complexity: Avoid building your own scheme relationships and compliance teams.
Focus on differentiation: Build innovative, revenue-generating card products while we handle the backend.

With Enfuce, BIN sponsorship isn’t a workaround, it’s a future-ready launchpad for ambitious banks and fintechs.

Tailored for growth-minded institutions.

Banks and EMIs expanding into new geographies or launching new card products without direct scheme certification.
Challenger and digital-first lenders looking to issue cards fast, with built-in regulatory and operational support.
Non-financial brands offering embedded finance via card products, without acquiring a full EMI licence.
Large enterprises scaling B2B or B2C card programmes across Europe and UK.

What’s included in Enfuce’s BIN sponsorship?

Scheme access without delay

We provide access to Visa and Mastercard through our own principal membership. You don’t need your own scheme licences, risk capital or lengthy certifications. We take care of onboarding, certification and day-to-day scheme management, so you don’t have to.

Regulatory compliance, built in

As a dual-regulated EMI (authorised by the Finnish FSA and the UK FCA), Enfuce ensures your programme is compliant with all relevant standards, from PSD2 and AML to PCI DSS and GDPR. You gain confidence, credibility and freedom to operate across EEA and the UK.

Multi-product card issuing

Enfuce doesn’t just sponsor your BINs, we empower your entire card product. Whether it’s debit, prepaid or credit, our modular, API-first platform supports the features you need: tokenisation, ledgering, invoicing, fraud controls, loyalty, instalments and more.

Fraud & dispute management

We handle fraud monitoring and dispute resolution in line with scheme rules and your risk appetite. This includes real-time fraud alerts, configurable rule engines and end-to-end dispute workflows that save time and protect customers.

All card types, one provider

Use Enfuce to issue any card type such as debit, prepaid or credit, from the same infrastructure. Whether you’re launching virtual cards for e-commerce, co-branded loyalty cards or full-featured revolving credit, we support your product roadmap now and in the future.

Scalability across markets

We help you launch fast and expand with confidence. With multi-currency and multi-country readiness, built-in localisation (languages, fees, formats) and full compliance, we make pan-European scale simpler.

Trusted infrastructure for your card programme.

As a principal member of both Visa and Mastercard, a dual-licensed EMI and one of the first processors globally to move payments to the public cloud, Enfuce is built for innovation, but grounded in trust.

Our BIN sponsorship is:

Modular. Choose what you need, when you need it, whether issuing-only or full card programme support.
Scalable. Start in one market, expand across EEA and the UK, without tech rebuilds or compliance bottlenecks.
Secure. Built on PCI DSS Level 1 infrastructure, with 24/7 monitoring, audits and full scheme alignment.
Proven. We’ve successfully supported fast-scaling fintechs and regulated banks to issue cards at scale, with cardholders in the millions and rollouts across EEA and the UK.

A launch model designed for speed and impact.

Whether you’re validating an MVP, migrating from a legacy processor, or scaling across borders, Enfuce gives you the flexibility and expertise to grow with confidence.

Launch fast

Issue cards in a few months with our proven seven-step framework.

Scale smoothly

Expand across markets without tech rebuilds or compliance bottlenecks.

Focus on your strengths

We handle compliance, tech and scheme access, you drive brand and growth.

Unlock new revenue streams

Generate Interchange, FX, ATM and subscription fees with a model designed to maximise issuer value.

Stay agile

Test and launch features like loyalty tiers, instalments and spend controls: no new tech stack required.

Reduce overhead

Skip building compliance teams and scheme licences, we’ve done it for you.

Everything you need to issue cards, faster.

With Enfuce BIN sponsorship, you get:

Principal scheme access (Visa & Mastercard)
Licence and regulatory umbrella (EMI, FIN-FSA, FCA)
API-first issuing infrastructure
Built-in fraud monitoring, dispute handling and tokenisation (Apple Pay, Google Pay, Samsung Pay)
Real-time dashboards and programme data
Customer success and technical support
Optional front-end services and embedded card bureau

Want to issue cards without the wait or the worry?

Join banks, fintechs and financial institutions across Europe and the UK who trust Enfuce to deliver the speed, security and scalability their card programmes need. Launch with confidence. Scale with ease. And stay compliant at every step.

Blog

Credit card trends in Europe: Strategic insights for banks and digital lenders in 2025.