HPS PowerCARD vs Wallester White Label

HPS PowerCARD-Issuer provides services for issuing and managing credit, debit, prepaid, and other payment cards. HPS says it serves issuers from small organizations to global financial institutions, including banks, credit companies, retailers, and private processors. The platform manages portfolios across countries, currencies, products, institutions, and languages. Rule-based workflows handle card origination through different channels and formats, including the collection and use of payment information. Issuer functions include card and customer management, credit and prepaid accounts, clearing and settlement, fraud, chargebacks, reporting, dashboards, loyalty, and push marketing. Back-office capabilities also cover disputes, collections, and risk management. A relational database consolidates customer and transaction information for profiling and segmentation. PowerCARD Connect offers more than 120 APIs for third-party systems to access data and services or trigger services. HPS describes on-premises and SaaS delivery for its suite, with SaaS hosted on a public or private cloud. Pricing is available on request.

Wallester White-Label provides branded accounts, cards, and payments through a mobile app, back-office portal, API, and regulated infrastructure. Businesses can set up debit, prepaid, or credit card programs for consumer, business, or corporate use. The portal manages cards, users, balances, limits, spending rules, approval flows, and program activity. Accounts and cards support EUR, GBP, PLN, SEK, NOK, DKK, CZK, HUF, RON, and USD, with global payments. Its REST API connects card programs, controls, and payment workflows; the branded app supports Apple Pay and Google Pay using tokenized credentials. Programs can use Wallester’s issuer and scheme framework, with dedicated BIN setup available where needed. The platform includes KYC/KYB, AML, fraud monitoring, and payment processing. Wallester states that it is a Visa Principal Member, an Authorized Payment Institution licensed by Estonia’s Finantsinspektsioon, and PCI DSS Level 1 certified for payment data. The service is presented for the EEA and UK. Listed monthly prices are 2495.00 EUR, 3995.00 EUR, and 5995.00 EUR, depending on institution type.