Paynetics Card Issuing vs Wallester White Label

Paynetics Card Issuing provides configurable card programs for businesses and their partners. Its range includes physical, virtual, digitized prepaid, debit, credit, and business cards from Visa and Mastercard. Partners can customize card designs and configure rules, limits, controls, hierarchies, products, and pricing levels. Cards can be linked to dedicated IBAN accounts or integrated into an eWallet. The API platform supports digital onboarding and data exchange for compliance, risk analysis, and monitoring; its integration channel includes a REST API for accounts, issuing, transfers, and onboarding, plus a partner portal. Developer resources include APIs, SDKs, sandbox tools, and live operational status. Paynetics supports Apple Pay on iOS and an Android tokenisation solution based on Mastercard’s MDES protocol. A PCI-compliant SDK supports secure card-data display without partners storing or processing sensitive details. Physical card orders require at least 1,000 units, and manufacturing typically takes around two months. Pricing is 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.