EST. 2012 CODEGO GROUP LTD · MALTA CARD ISSUING VISA · MASTERCARD 15 BIN PROGRAMMES VIRTUAL · PLASTIC · METAL · WOOD APPLE PAY · GOOGLE PAY EMV · 3DS 366,000 CARDS ACTIVATED 2025 INSTANT VIRTUAL ISSUANCE EST. 2012 CODEGO GROUP LTD · MALTA CARD ISSUING VISA · MASTERCARD 15 BIN PROGRAMMES VIRTUAL · PLASTIC · METAL · WOOD APPLE PAY · GOOGLE PAY EMV · 3DS 366,000 CARDS ACTIVATED 2025 INSTANT VIRTUAL ISSUANCE

White-label card Banking as a Service Core banking Card issuing Crypto cards Corporate vIBAN Card processor Company News Open programme

Codego · Card Issuing · est. 2012 Vol. XII · Product brief / Card Issuing ● 15 BIN programmes · Visa & Mastercard

More than a
Card Issuing
platform.

Q: How does a card issuing API work?

A card issuing API allows developers to create, configure, activate and manage payment cards programmatically. You send a request with cardholder details; the API returns a card number, expiry and CVV. Codego card issuing API also handles spend controls, Apple Pay provisioning, webhook notifications and lifecycle management.

Q: What is instant card issuance?

Instant issuance means a virtual card is created and ready for use within seconds of an API call. The cardholder receives their card details immediately and can add them to Apple Pay or Google Pay before a physical card arrives. Codego supports instant issuance for all card program types.

Q: What types of cards can Codego issue?

Prepaid, debit, corporate, expense, gift and crypto-linked cards. Physical formats include standard plastic, metal, wood and transparent cards. Virtual cards are available for all program types. All cards run on Visa or Mastercard.

Q: How does BIN sponsorship work with card issuing?

BIN sponsorship means Codego as a licensed principal member provides its BIN range to your card program. Your cards carry Codego BIN on the network, while your brand appears to cardholders. You manage card issuance, controls and the cardholder relationship; Codego handles the network compliance.

Q: What card controls can I offer cardholders?

Real-time spend limit adjustments, merchant category controls, geographic restrictions, time-based rules, single-transaction limits, and instant block/unblock. All controls are available via API and through the white-label admin console.

Q: What is the per-card cost for issuing?

Virtual card issuance and physical card production costs depend on program volume, type and configuration. Codego provides a tailored quote during the commercial agreement phase, after the initial discovery call.

Issue all branded cards easily with Visa and Mastercard. You can customize any brand and corporate card. Codego card issuing API provides a complete programmatic interface for virtual and physical card lifecycle management — instant virtual creation, physical production, activation, spend controls and real-time webhooks.

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(A) Cards activated, 2025: 366,000
(B) BIN programmes: 15active
(C) Virtual issuance: <1second
(D) Physical delivery: 7—15days

Card programs

Prepaid, debit, gift & corporate

4 categories

Every card type,
one platform.

Codego card issuing API provides a complete programmatic interface for virtual and physical card lifecycle management — from instant virtual card creation to physical card production, activation, spend controls and real-time transaction webhooks. All card programs run under Codego BIN sponsorship on Visa and Mastercard networks, eliminating the need for principal membership or a banking license.

A · Consumer

Prepaid card

Prepaid cards for individuals, businesses, gift programs. Available on all major networks. Virtual and physical. Apple Pay & Google Pay ready.

B · Banking

Debit card

Branded debit cards with direct account linking. Apple Pay and Google Pay ready. Supports contactless, chip and magnetic stripe.

C · Retail

Gift card

Branded gift cards in crypto and fiat. No KYC required for low-denomination cards. Instant delivery. Available in plastic, virtual and metal formats.

D · Enterprise

Corporate cards

We also issue corporate cards — expense management, spend controls, cashback programs. Visa and Mastercard. Virtual and physical. Multi-card programs with admin dashboard and real-time reporting.

Technical specifications

Card formats, networks, delivery

EMV · 3DS

Pre-certified
card readers & rails.

Card types: Prepaid · Debit · Corporate · Gift
Networks: Visa · Mastercard
Delivery: Virtual (instant) · Physical (7—15 days)
Wallets: Apple Pay · Google Pay
Formats: Plastic · Metal · Wood · Transparent
BIN programs: 15 sponsor BINs available
Standards: EMV certified · 3DS supported
Integration: REST API · webhooks · sandbox

Frequently asked

6 questions

6 Q&A

Card issuing FAQ.

Q1.How does a card issuing API work?

A card issuing API allows developers to create, configure, activate and manage payment cards programmatically. You send a request with cardholder details; the API returns a card number, expiry and CVV. Codego card issuing API also handles spend controls, Apple Pay provisioning, webhook notifications and lifecycle management.

Q2.What is instant card issuance?

Instant issuance means a virtual card is created and ready for use within seconds of an API call. The cardholder receives their card details immediately and can add them to Apple Pay or Google Pay before a physical card arrives. Codego supports instant issuance for all card program types.

Q3.What types of cards can Codego issue?

Prepaid, debit, corporate, expense, gift and crypto-linked cards. Physical formats include standard plastic, metal, wood and transparent cards. Virtual cards are available for all program types. All cards run on Visa or Mastercard.

Q4.How does BIN sponsorship work with card issuing?

BIN sponsorship means Codego as a licensed principal member provides its BIN range to your card program. Your cards carry Codego BIN on the network, while your brand appears to cardholders. You manage card issuance, controls and the cardholder relationship; Codego handles the network compliance.

Q5.What card controls can I offer cardholders?

Real-time spend limit adjustments, merchant category controls, geographic restrictions, time-based rules, single-transaction limits, and instant block/unblock. All controls are available via API and through the white-label admin console.

Q6.What is the per-card cost for issuing?

Virtual card issuance and physical card production costs depend on program volume, type and configuration. Codego provides a tailored quote during the commercial agreement phase, after the initial discovery call.

Plate II · Brands in production

Live consumer & B2B products on Codego infrastructure

6 brands · live

Brands running today
on Codego rails.

A selection of consumer banking apps, KYC services, white-label platforms and group properties currently in production on Codego infrastructure.

B.01 Codegopay codegopay.com

Business banking application — multi-currency IBAN, prepaid & debit cards, transfers and card controls under Codegopay brand.

Visit site

B.02 CoxiWallet coxiwallet.com

Hybrid crypto and fiat wallet — IBAN account, prepaid card, on-chain settlement and conversion in a single mobile app.

Visit site

B.03 Banqa banqa.io

Neobanking platform delivering branded multi-currency accounts, card programmes and SEPA / SWIFT rails for end-users and merchants.

Visit site

B.04 CodegoLab codegolab.com

Cloud hosting and infrastructure platform for fintechs — virtual servers, web spaces, USDC topup and full deploy stack on demand.

Visit site

B.05 CodegoKYC codegokyc.com

KYC / AML / liveness verification as a service — face biometrics, document OCR, PEP & sanctions screening via API.

Visit site

B.06 WhiteLabelCard whitelabelcard.com

Self-service white-label card issuing portal — launch a branded prepaid or debit card programme online in days, no integration required.

Visit site

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Response within 24 hours · banking@codegotech.com

Form · 7 steps

Become a fintech now,
on our technology.

One partner. All in one. Launch your branded banking platform with EU IBAN, prepaid and debit card programmes, Apple Pay and Google Pay — on Codego's licensed, PCI‑DSS certified infrastructure.

Codego Group LTD · Malta · Est. 2012
EUIPO 018922174 · PCI DSS by Adsigo, 2025

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Direct contact

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A · Brand programmes

More than a
Card Issuing
platform.