Solution blueprint

Launch a branded card programme

Issue your own debit or prepaid cards to customers. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.

Step 1 — Issue the cards required

Unless you hold your own licence, you need a sponsor bank BIN plus card-issuing software.

Adyen EU core Netherlands
Bankera EU core Lithuania
Cardlay EU core Denmark

Browse all: BIN sponsor · Card issuing software

Step 2 — Open accounts / IBANs optional

If cards are funded from balances, you need accounts and IBANs behind them.

Advapay EU core Estonia
Adyen EU core Netherlands
Aion Bank EU core Belgium

Browse all: IBAN sponsor · BaaS

Step 3 — Verify customers required

Onboarding and AML checks are mandatory before issuing.

Authologic EU core Poland
Fourthline EU core Netherlands
iDenfy EU core Lithuania

Browse all: KYC/KYB

Step 4 — Add to Apple / Google Pay optional

Provision cards into mobile wallets for tap-to-pay.

Enfuce EU core Finland
Giesecke+Devrient EU core Germany
IDEMIA EU core France

Browse all: Tokenization – X-Pays

Sovereignty notes

The card scheme will be Visa/Mastercard (the elephant in the room) - but data residency, the IBAN and the licence can all stay in the EEA.
Filter for a local IBAN and iOS NFC (EEA HCE) if you need tap-to-pay on iPhone.

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