Discuss Your Payment Needs
A "white-label" card program lets a business offer a branded card to its customers or users without becoming a card issuer itself. Several parties play distinct roles behind that single branded card.
The issuing institution
Every card program has a regulated issuing bank or institution that actually issues the card and bears the associated regulatory obligations. Program terms typically identify this institution, as required by applicable card network and regulatory rules.
The program manager
A program manager coordinates the day-to-day experience — branding, user interface, and often customer support — while working within rules set by the issuer and network. Our Card-Program Enablement capability describes how this works when facilitated through Odilio Money.
The network
The card network (such as a major payment network) sets technical standards and routes transactions between the merchant, acquirer, and issuer. Its rules govern many of the disclosures a program must make to cardholders.
What to ask before launching a program
Businesses considering a card program should confirm which institution issues the card, what compliance obligations fall to each party, and how disputes and complaints are handled. Our Compliance & Security page describes the controls we apply on our side of that arrangement.