Payment cards are no longer just tools for transactions – they’re strategic assets. In today’s embedded finance landscape, branded card programs help companies unlock new revenue, increase customer loyalty, and scale fast. Wallester’s White-Label platform makes it possible without building infrastructure from scratch.
Key Industries Benefiting From Card Issuing
The revolution in financial and digital services is transforming the industries we use daily. As freelancing, gig-work platforms and fintech companies redefine payment and employment possibilities, reward systems and insurers modernise their services to make them more accessible.
In this context, Wallester emerges as a key enabler in B2B card issuance, providing integrated payment solutions that enable these industries to innovate and grow. White label card programs are transforming industries—from finance to marketplaces. Below are four sectors where our clients are already seeing measurable impact.
Banks: Reinventing Relevance in a Digital-First Era
Traditional banks are under pressure from fast-moving fintechs and rising consumer expectations. To compete, they must go beyond legacy systems and offer flexible, digital-first experiences.
Yet many banks struggle with:
- Slow digital onboarding processes
- Limited card customisation and control
- Gaps in fraud prevention and user security features
- Outdated infrastructure that hinders innovation
Wallester’s White-Label platform helps banks close the gap—fast. With our solution, they can:
- Launch virtual or physical cards without building infrastructure
- Enable features like dynamic CVV, spend limits, and geoblocking
- Accelerate onboarding through instant card issuance
- Deliver real-time fraud monitoring and transaction insights
In short, we help banks become more like fintechs—without the heavy lift.
Business Loan Providers: Beyond the Traditional
Traditional business lending often breaks down after approval: slow disbursement, poor tracking, and limited control. Our white- cards turn loans into smart, controlled instruments—improving user experience and operational visibility for lenders:
- Slow bank disbursement processes.
- Poor visibility on how funds are used.
- Risk of misuse by borrowers.
- Little differentiation from the competition.
Now, thanks to corporate cards, it is becoming a direct highway:
- Immediate access to approved funds through virtual cards.
- Reloadable cards for repeat borrowers and simplified expense tracking.
- Reduced operational costs compared to traditional disbursement.
- Facilitates expense categorisation for accounting or tax purposes.
Consumer Loans: From Disbursement to Lasting Relationships
In the personal credit market, value is no longer just in approving—it’s in how the loan is delivered, used and accompanied:
- There is no post-disbursement support to guide the customer in using the loan.
- The experience is transactional and cold, making it difficult to build loyalty.
- Unbanked users are left out of the system for not having an account or means of payment.
- Lack of follow-up causes payment oversights and financial disorder.
White label cards allow lenders to serve unbanked and underbanked consumers by delivering instant, branded payment methods—even to those without a traditional account. It’s a more inclusive, controlled way to issue funds and stay connected post-disbursement.
- Ideal for users without a bank account: they receive the loan and a means of payment at the same time.
- The card can be integrated with apps that facilitate reminders, balance tracking and automatic payments.
- Allows credit purchases in “buy now, pay later” models, directly from the card.
- Branded cards that generate trust and loyalty, especially if they offer rewards or cashback.
E-commerce Marketplaces: Towards a Solid Ecosystem
As marketplaces grow, so do the challenges of retaining sellers, scaling operations and maintaining control:
- Delays in accessing earnings.
- High seller turnover without effective loyalty mechanisms.
- Strategic decisions without data on seller reinvestment patterns.
- Negative experience with refunds and returns.
Marketplaces can increase seller loyalty and optimise payout flows by issuing their own cards. Sellers access funds instantly, reinvest earnings into ads or logistics, and participate in gamified loyalty programs – driving retention and insights.
- Amazon or Etsy-type sellers can use their earnings via a card for ads, logistics or reinvestment within the marketplace.
- Gamified rewards that associate card use with loyalty programmes or bonuses.
- Tracking spending habits to generate partnerships or upselling strategies.
- Avoid delays by making direct refunds to cards issued by the marketplace.
Why Leading Brands Choose Wallester White-Label
Growth: Unlock New Revenue Opportunities
Launch your own card program quickly and start generating revenue through interchange fees, foreign exchange margins, and custom loyalty programs. Branded cards help fintechs, lenders, and platforms monetise payments and increase customer lifetime value.
Efficiency: Scale Faster with Less Overhead
Wallester handles the complexity of card issuing, processing, and compliance. Issue virtual or physical cards in multiple currencies, streamline onboarding with instant digital issuance, and manage everything through one integrated platform.
Trust: Strengthen Brand Visibility and User Confidence
Deliver a secure and branded payment experience that builds trust. Features like real-time fraud monitoring, dynamic CVV, spending controls, and geolocation settings give users the transparency and protection they expect.
What Makes Wallester White-Label Unique?
As a company, we simplify the issuance process by adapting to the specific needs of each industry.
1. Multi-Currency Issuance for Global Reach
- Worldwide Acceptance: Cards are accepted at over 80 million Visa merchants worldwide.
- Transactions in 150+ Currencies: Supports transactions in USD, EUR, GBP, and more, eliminating barriers to cross-border business.
2. Visa Premier Member (Top 5) with Visa Ready Certification
- Access to Premium Programs: Benefit from exclusive Visa advantages such as competitive interchange rates and rewards programs.
- Flexible BIN Sponsorship: Customize BINs to align with your brand and business strategy.
3. Turnkey Solution with Complete Options
- Comprehensive Portfolio: Issue virtual, physical, debit, credit and prepaid cards tailored to your needs.
- Technological Infrastructure
4. API-First Platform for Agile Integration
- REST API: Fast and easy integration with your internal systems, such as ERPs or CRMs.
- Microservices-based architecture: Instant scalability to adapt to your business growth.
5. Continuous Availability and Rapid Deployment
- Cloud Infrastructure: Ensures optimal performance and high availability, even during peak demand.
- Branded Mobile App: Offer your customers an integrated payment experience with Apple Pay, Google Pay and Samsung Pay.
6. Cutting-Edge Technologies
- Advanced Tokenisation: Protect payment data with unique tokens for each transaction.
- Integrated Digital Wallets: Facilitate fast and secure payments from mobile devices.
- Security and Compliance
7. PCI DSS Level 1 Certification
- Highest Security Standard: Ensures protection of sensitive cardholder data.
8. 3D Secure Authentication and Real-Time Monitoring
- Fraud Prevention: Proactive detection of suspicious activity with instant alerts.
9. Full Regulatory Compliance
- PSD2: Compliance with the EU Payment Services Directive.
- KYC/AML and CTF: Identity verification and prevention of money laundering and terrorist financing.
Case Studies That Reflect Our Transformative Strength
Behind every digital transformation are real stories of companies that dared to leap into the future. These organisations share something in common, from postal services to innovative startups: they found financial solutions for businesses with all the tools they need to evolve their payment services in Wallester White-Label.
- Latvijas Pasts (Latvian Postal Service): Radically transformed its financial services in April 2023, launching Visa debit cards with contactless technology, integration with Apple Pay and Google Pay, and a proprietary mobile app. As a result, it achieved its highest-ever turnover of €108.3 million, with 8% growth in 2023.
- Cino (FinTech Estonia): A group payments startup implementing shared virtual cards with innovative features such as automatic spending splitting. Thanks to its partnership with Wallester, it achieved 155% growth in its user base and 54% growth in transaction volume.
- GF Money (Finland, Sweden, Denmark and Spain): With more than 75,000 European customers, it has wholly modernised its payment infrastructure. Implemented virtual Visa cards, automated processes, and prepared for expansion into new markets.
Complete Solutions for all Sectors
In today’s financial services landscape, the ability to offer customised payment solutions has become a crucial differentiator. Through the case studies presented, we have seen how the potential of corporate cards can be leveraged to:
- Accelerate operational processes and reduce costs.
- Improve customer experience with instant payments.
- Strengthen brand identity with proprietary financial products.
- Increase transaction security.
Under this scheme, Wallester is positioned as a strategic partner that understands every need and has the necessary support to make these transformations a reality. Our White-Label platform offers customisable credit card programs that can be tailored to fit the specific needs of your industry and open the door to a new era of personalised financial services.
Ready to revolutionise your industry with tailored payment solutions? Contact Wallester today and learn how we can help you achieve your business goals.
