If you’re considering launching your own card program, but are daunted by the complexities involved, it might be time to explore a card issuing solution, commonly known as Card-as-a-Service. If you're in search of a comprehensive card issuing solution that offers turnkey services, relevant licences, easy integration, speedy issuance, and global shipment capabilities, Reap could be the perfect fit for your needs. With Reap's Card Issuing solutions, you can streamline the card issuance process by entrusting all the heavy lifting to us, while still reaping the benefits of a fully functional card program with minimal operational effort. This allows you to focus on your core expertise, while we swiftly transform your card program vision into a reality.

Reap's Card Issuing Solution: Empowering web2 & web3 businesses

Reap's Card Issuing API and white labelling solutions enable both Web2 and Web3 businesses to rapidly and effortlessly launch their own branded card programs. Acting as the card producer, issuer, BIN sponsor, and distributor at the same time, Reap handles every aspect of the card issuing process, accelerating the transition from concept to market in a matter of weeks instead of months. With our comprehensive suite of services and strategic partnerships, you can launch your card program with ease, enjoy seamless integration, ensure compliance and security, and deliver a personalised experience to your customers. Additionally, our global presence opens doors to emerging markets, expanding your customer base and amplifying your program's reach.

Key attributes

Turnkey solution for a streamlined launch

Recognising that launching a card program from scratch can be a complex endeavour, demanding significant resources such as relevant partnerships, technical infrastructure, and expertise across various domains, Reap simplifies the entire process with our plug-and-play package.

1. Visa network access, BIN sponsorship, and more in a single partnership

Benefit from our strategic partnerships with leading card networks like Visa and data processors. As the card producer, issuer, BIN sponsor, and distributor, we handle all aspects of card issuance, reducing operational and communicative burdens associated with managing multiple partners.

2. Seamless integration with sandbox environment, API, & dedicated support

Easily integrate into your existing UI/UX using our developer-friendly API, sandbox environment for testing, and dedicated support. We prioritise smooth integration for a consistent and familiar experience for your customers, enabling seamless interaction with your systems while benefiting from our comprehensive solution.

2. Additional customer benefits: Contactless payments & flexible issuance

Our solutions allow the flexibility of issuing virtual or physical cards to tailor to your customers' preferences. Additionally, you can enable your customers to enjoy contactless payments with our Apple Pay and Google Pay integration. 

Launch a secure & compliant card program

Launch a card program that is both compliant and secure, without the burden of acquiring card issuing licences or building the entire security infrastructure from scratch.

1. Issue cards with our Visa Principal Card Issuing licence

Reap, as a Visa Principal Card Issuer, enables you to effortlessly launch your own card program and issue customised cards, eliminating the need for extensive resources to acquire the licence independently.

2. Rely on advanced security infrastructure

At Reap, we prioritise the security of our clients' funds and take proactive measures to combat fraud. Our security infrastructure undergoes annual audits and penetration testing to ensure compliance with PCI standards. By partnering with companies like Chainalysis, we gain access to advanced transaction monitoring capabilities to proactively detect and prevent suspicious activity. This allows us to swiftly take appropriate action to safeguard funds and maintain a secure card program.

Tailor your program to deliver a personalised experience

1. Flexible funding options: Fiat & digital

We cater to both Web2 and Web3 businesses, offering a diverse selection of currency options that can be used to establish the credit line required for your card program. Whether you prefer fiat or digital currencies, you have the freedom to choose the method that best suits your needs for establishing the credit line. This flexibility also extends to your customers, allowing them to make seamless card payments using their preferred fiat or digital currencies.

2. Full control: Authorisation, spend control, card design and more

Take complete command of your card program, aligning it with your unique business requirements. Choose between real-time or standard authorisation, employ intricate spend control measures, customise card designs to align with your branding, select denomination currency, and determine delivery options. With our collaborative approach, we co-create the program to bring your vision to life, ensuring a precisely tailored and truly personalised experience for your customers.

Get to market faster: Launch your card program in weeks, not months

Experience rapid time-to-market with our agile solutions that bypass lengthy development cycles, allowing you to go from concept to launch in just a few weeks. Our developer-friendly API and dedicated technical support ensure swift implementation, while our sandbox environment for testing facilitates quick deployment. Experience a seamless journey from start to finish, supported by responsive communication channels that address your needs promptly. With our instant card issuance capabilities and seamless mobile payment integration, your clients can start using their cards even before they arrive at their doorstep, fostering immediate engagement with your card program.

Scale globally with worldwide shipment

Expand into new markets confidently with our global reach and borderless shipment capabilities. With worldwide shipment capabilities in over 180 countries and territories, and the ability to issue unlimited physical and virtual cards, your business can overcome geographical limitations, tap into untapped markets, and achieve scalable growth with ease.


Reap's Card Issuing solutions are reshaping the possibilities for card programs, catering to both Web2 and Web3 businesses. Our all-inclusive solution enables you to launch your branded card program effortlessly, benefiting from our turnkey approach, robust compliance handling, extensive customisation options, rapid time-to-market, and worldwide scalability. As a flexible and agile partner, we co-create tailored solutions that align perfectly with your unique vision. Whether your ideas are fully formed with precise specifications or you're eager to explore the vast potential of a card program, reach out to us to discuss how we can jointly create the ideal card program for you.

Start your card program journey with Reap today.