Card Issuing - Business Insights
Covers key business models, regulations, and practical steps for launching and managing card and IBAN programs.
Introduction to Card Issuing & IBANs
VISA or Mastercard?
Sometimes our customers ask if it is better to issue VISA or Mastercard cards. In this article we...
Prepaid, debit or credit cards - the main differences
Before launching a card issuing program, our customers consider which card product to use. In thi...
Issuing cards in various currencies
Verestro and its partners can issue cards in multiply currencies. Depending on the currency it is...
Multicurrency cards - 3 implementation options
Multi-currency topic is an interesting and important concept of card issuing that usually require...
BIN Range or Separate BIN in Card Issuing
Our customers usually ask if it makes sense to issue cards on a separate BIN fully dedicated for ...
What steps should be taken to start a card issuing project with Verestro outside the European Economic Area?
What steps should be taken to start a card issuing project with Verestro outside the European Eco...
What are the legal and payment scheme rules for launching a prepaid card program without KYC?
Recently we have been asked the question: “What are the options for a merchant or cafeteria to la...
Business Model & Financial Structure
Ranking of card issuing companies
How to choose a BIN sponsor and card issuing partner? Choosing a BIN sponsor or card issuer is a...
Card issuing - financial details
How can I earn from card issuing? This is a common question that is asked by our customers. Let m...
Example of Profit & Loss calculation in card issuing
Calculating profits and losses in card issuing is not easy, especially when various card issuers ...
Interchange Fees and Service Fees - rates and rules
Disclaimer. This article shows in some detail the topic of Interchange Fees. It is presented in t...
Master balance and collateral in card issuing projects
During the implementation of card issuing projects with Verestro and our partner payment instit...
Pay with Rewards, Pay with Points
There are multiple use cases where you can use virtual Mastercard payment cards. Let me explain h...
Guide to IBAN setup process
In this article we would like to focus on IBAN, bank accounts delivery to your customers. This to...
IBANs, cards, balances - how to manage all of this?
Once you are starting a payment account and/or card issuing project you need to learn key definit...
Regulations, Compliance & Risk
Regulatory and license impact on card issuing
Legal issues related to regulatory or payment scheme rules often arise in questions we receive fr...
KYC and KYB requirements in card issuing
KYC (Know Your Customer) processes usually raise a lot of questions. In this article, I would lik...
Know Your Customer – in-house or outsourcing
From time to time, our customers ask us whether it is better to perform Know Your Customer activi...
PCI DSS & other security requirements
Very often customers ask questions connected with security. In this article we would like to summ...
Reverse solicitation – marketing & promotion of card issuing in multiple countries
One of the limitations in global card issuing and account opening activities is connected with ...
Operations, Customer Journey & Implementation
Card Lifecycle Management
Once launching card issuing projects, our customers usually forget that it is a long-term activit...
How can I reload a payment account or card?
There are many ways of transferring money to payment accounts or cards. In this article we would ...
Customer service and user claims in card issuing
Once you start issuing cards for your users, you will experience a wide range of various problems...
Tips to avoid problems when implementing card issuing
So you have a good business case for issuing cards for your customers and you found a perfect ven...
How to prepare for a card issuing project?
Do you want to issue cards to your users? In this article we describe what is required on your si...
Payment schemes
In this document we describe how payment schemes (Mastercard and VISA) work. Payment card busine...
Card Benefits in card issuing projects
Once you are launching your card program it is important to think about additional benefits that ...