EST. 2012 CODEGO GROUP LTD · MALTA CARD PROCESSING VISA · MASTERCARD · LOCAL 15 BIN PROGRAMMES T+0 · T+1 SETTLEMENT REAL-TIME WEBHOOKS AUTOMATED CHARGEBACK MGMT API FIRST · SANDBOX $1.1BN PROCESSED 2025 EST. 2012 CODEGO GROUP LTD · MALTA CARD PROCESSING VISA · MASTERCARD · LOCAL 15 BIN PROGRAMMES T+0 · T+1 SETTLEMENT REAL-TIME WEBHOOKS AUTOMATED CHARGEBACK MGMT API FIRST · SANDBOX $1.1BN PROCESSED 2025
Codego · Card processor · est. 2012 Vol. XII · Product brief / Card processor ● Real-time settlement · API first
01

We process
your transactions.

Codego provides a suite of APIs powering online payment processing and commerce solutions for internet businesses of all sizes. Accept payments and scale faster — authorization, clearing, settlement, chargeback management and reporting on a single processing stack.

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(A) Volume processed, 2025
$1.1bn
(B) BIN programmes
15active
(C) Settlement
T+0/ T+1
(D) Networks
Visa+ Mastercard + local
02
Platform capabilities
Processing built for scale — six modules
6 modules

Processing built for scale.

Codego card processing infrastructure handles the complete transaction lifecycle — authorization, clearing, settlement, chargeback management and reconciliation — for internet businesses and card program operators. Real-time authorization webhooks let you apply custom business logic to every transaction, while BIN sponsorship eliminates the requirement for direct Visa or Mastercard network membership.

A · API

API platform · easy interface

Clean, well-documented REST APIs that integrate into your platform in hours, not weeks. Full sandbox environment available.

B · Settlement

Settlement instantly

Real-time settlement for card transactions. Funds available to merchants the same business day. Full reconciliation included.

C · Cards

Card issuing management

Issue and manage prepaid, debit and corporate cards directly from the processor platform. Full lifecycle management.

D · Controls

Setting card management

Granular card controls: spending limits by category, geography or merchant. Real-time rule engine via API.

E · BIN

BIN sponsorship service

15 different sponsor BINs across prepaid, debit and corporate. No delay, no waiting — access multiple networks immediately.

F · Webhooks

Webhook authorization payment

Receive real-time webhook notifications for every authorization, clearing and settlement event. Custom retry and failover logic.

03
Frequently asked
6 questions
6 Q&A

Card processing FAQ.

Q1.What is a card processor and how does Codego platform work?
A card processor is the technical and financial intermediary that routes payment transactions between merchants, acquiring banks, card networks and issuing banks. Codego card processing API handles authorization, clearing, settlement, chargeback management and reporting for internet businesses of all sizes.
Q2.What payment networks does Codego card processor support?
Codego processes transactions on Visa, Mastercard and major local payment networks. Multi-currency authorization and real-time settlement are supported across all network types.
Q3.How does Codego handle chargebacks and disputes?
Codego processing platform includes automated chargeback management with evidence collection workflows, network dispute filing and resolution tracking. Clients receive webhook notifications for each stage of the dispute process.
Q4.What is BIN sponsorship in the context of card processing?
BIN sponsorship means Codego provides its licensed BIN range for your card program. The processor routes transactions under Codego network membership, eliminating the need for you to become a Visa or Mastercard principal member.
Q5.How does webhook authorization work?
Codego supports authorization webhooks that allow you to approve or decline transactions in real time based on your own business rules. Each transaction triggers a POST to your endpoint with full transaction context; your response determines the authorization decision within the network timeout window.
Q6.What settlement options are available?
Codego supports T+0 and T+1 settlement depending on program configuration and network rules. Funds are settled directly to your designated account. Detailed transaction reporting and reconciliation files are available via API and the admin console.
II
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.

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B.02 CoxiWallet coxiwallet.com

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

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B.03 Banqa banqa.io

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

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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.

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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
04
Get started
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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Get started today

Fill out the seven-step form and our team will respond within twenty-four hours with a tailored proposal.

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Direct contact

banking@codegotech.com

For enterprise inquiries, BaaS partnerships and technical integration.

API docs Support
RL
Related at Codego
Other parts of the Codego banking-infrastructure stack
3 pages

Continue
exploring.

A · Issuing API

Card issuing

Card issuing connected to the same processing rails.

C · Reference

What is card issuing?

Issuing and acquiring explained — the two sides of the same flow.