BIN sponsorships for card issuance
QQ Digital One holds membership on Visa / Mastercard networks. Leverage our BINs to launch a range of card programs without the overhead of obtaining your own bank charter or direct network membership.
Debit
Issue Visa / Mastercard debit cards linked directly to QQ Digital One accounts. Instant spend controls, real-time balance visibility and multi-currency support out of the box.
Credit
Launch revolving credit card programs with configurable credit limits, billing cycles and statement generation — backed by QQ Digital One's compliance infrastructure.
Prepaid
Deploy closed-loop or open-loop prepaid programs for corporate expense, rewards, disbursements or gifting
Differentiated card issuing solutions
Flexible, multi-processor card issuance — from BIN sponsorship to full-stack program management. Every feature you need to launch fast and scale confidently.
- BIN sponsorship on Visa / Mastercard
- Bring your own processor or use ours
- Build on major global card networks
- Physical & virtual card issuance
- Unlimited sub-ledgers per program
- Advanced real-time authorization controls
- PCI-DSS compliant from day one
- Instant card activation & spend enablement
Expand beyond card issuing
Card issuing is the foundation. QQ Digital One's ecosystem gives your program everything it needs to grow — payments, exchange, and acquiring in one integrated platform.
Accept card payments globally
Pair your card issuing program with QQ Digital One's merchant acquiring infrastructure. Accept Visa / Mastercard at point-of-sale and online, with real-time fraud monitoring included.
Learn MoreMulti-rail payment connectivity
Extend your card program with SWIFT, ACH, RTP and FedNow rails. Let cardholders fund, withdraw and transfer across every major payment network from a single account.
Learn MoreBuilt-in currency exchange
Give cardholders access to live interbank FX rates at the moment of spend. Lock rates, convert balances and settle in 30+ currencies — without leaving the QQ Digital One ecosystem.
Learn MoreUses for card issuing
From consumer neobanks to enterprise expense management — QQ Digital One's issuing platform adapts to any program structure.
Consumer Cards
Issue branded Visa / Mastercard debit and credit cards to end consumers. Ideal for neo financial services, fintech apps and super-apps looking to add a card layer to their product.
Commercial Cards
Equip businesses with corporate spend cards tied to expense policies, budget limits and real-time reporting.
Secured & Unsecured Credit
Launch secured credit-building programs or unsecured revolving lines. Configurable underwriting parameters let you define risk thresholds without rebuilding infrastructure.
Financial Services & Super-Apps
Embed card issuance directly into your digital banking product. QQ Digital One handles BIN sponsorship, compliance, and processing so you can focus on user experience.
Expense Management
Issue virtual or physical cards to employees with granular spend controls, per-category limits and automated receipt matching — integrated with your accounting workflows.
Corporate Accounts
Deploy multi-card programs tied to sub-ledger accounts for subsidiaries, departments or cost centers. Full visibility and control at every level of your corporate structure.
Frequently asked questions
Common questions about launching a card issuing program with QQ Digital One.