How to choose a service for issuing white label cards: Top 3 solutions

Any business can offer its clients or employees branded bank cards. There’s no need to create your own payment system or obtain a license for this. All that’s required is to brand existing physical or virtual cards. Fintech companies create special payment cards without logos, known as White Label Cards. Logos are applied to these cards upon request by brands that want to create their own financial solutions.

White Label Cards are used to manage internal company expenses, pay out bonuses to employees, and improve customer experience through loyalty programs and brand recognition. With them, businesses can control spending in real-time and protect themselves from fraud. In e-commerce, White Label Cards can automate refunds and loyalty programs. Overall, there are many reasons why businesses opt for their own branded cards.

However, not all banks or fintech companies issue such cards. In this article, we will review the top 3 companies that offer virtual White Label Cards, highlighting their advantages and technical features.

1. PSTNET

PSTNET is a financial platform that issues virtual cards. Its main focus is creating payment tools for media buying, everyday expenses and business needs. Through PSTNET, companies can issue White Label Cards for paying for services, goods and even crypto exchanging.
These cards are convenient for any corporate purpose – from paying for office software to managing customer loyalty programs. Numerous positive PST reviews confirm this. Users of the service believe that PSTNET simplifies what could be complex. Instead of diving into technical details and creating your own cards from scratch, you can trust the process to professionals, allowing you to focus on your business.
U.S. dollar cards can be issued in both physical and digital formats.

Advantages of the service:

• Zero fees for deposits, withdrawals, and operations with blocked cards.
  This means that all card transactions come with no additional costs.
• Unlimited number of cards
  PSTNET allows the issuance of an unlimited number of cards, which provides the flexibility to manage budgets of any size.
• Fraud monitoring
  The system automatically tracks suspicious transactions. Any unauthorized operations on the service’s cards are impossible.
• RESTful API
  Enables integration and automation of various card functions into other apps and services.
• Card balance top-ups:
  • You can top up your card using 18 crypto coins: BTC, USDT (TRC 20, ERC 20), ETH, BNB, XRP, TRX, BCH, USDC (Ethereum), USDC (Tron), ADA, SOL, MATIC, BUSD, LTC, DASH, DOGE, TON USDT. Crypto assets are automatically converted into dollars or euros. The entire process is transparently displayed in the user’s personal account.
  • The card also supports standard top-up methods. Balances can be replenished via SEPA/SWIFT bank transfers and from other Visa/MasterCard cards.
• Data security and protection:
  All cards are equipped with 3D Secure technology and two-factor authentication (2F), ensuring the safety of payments and user data.
• Special financial management tools
  Detailed reporting and expense management through the user’s personal account.
• 24/7 Technical Support:
  Managers respond very quickly in the Telegram chat and other communication channels.
• Multifunctional Telegram bot:
  Each card user can receive service notifications and 3D Secure codes through a confidential bot.

2. Wallester

Wallester is a card-issuing platform. All cards work with the Visa payment system. They can be issued in digital form or ordered as physical cards. The service helps manage company expenses through special card programs – White Label for businesses. These programs allow for setting spending limits, monitoring transactions in real-time, and providing detailed analytics. The integrated API ensures ease of card issuance and payment security. Wallester cards are suitable for corporate expenses and advertising campaigns.

Users highly appreciate this service, although it has some limitations. It works only with legal entities, and transactions without extra fees are only possible in euros. However, you can issue up to 300 cards at once for free.

Advantages of the service:

• Low fees: 0% for euro transactions; other transactions incur a 2% fee.
• Team functionality: control expenses on each card and for each team member.
• Balance top-up: via SWIFT/SEPA bank transfers.
• Fraud monitoring: The system automatically tracks suspicious transactions in real-time.
• API: allows card management, issuance, and integration.
• Personal tech support manager: assists the company and promptly resolves card issues.

3. PayAlly

PayAlly is a financial service for issuing virtual cards. All cards are supported by Mastercard. The primary focus of the service is cards for businesses. Therefore, all service conditions are tailored to individual needs.

Users can issue corporate cards for employees, manage expenses, and control transactions. All cards are integrated with PayAlly’s secure infrastructure, ensuring data protection. Additionally, they have fraud protection in the form of a specialized system.

PayAlly also assists with regulatory compliance and reporting, optimizing operations for companies using their platform.

Advantages of the service:

• Reasonable transaction fees: commissions depend on individual conditions, but they are fair.
• Fraud monitoring: a specialized system for identifying unauthorized actions.
• Card top-up: via SWIFT/SEPA bank transfers.
• Data protection: Cards are safeguarded by PayAlly’s infrastructure.
• Technical support: can be contacted via phone or email.

What technical features should business cards have in 2025?

Choosing White Label Cards that support crypto is a strategic decision. It can significantly expand a business’s capabilities and even attract a new audience.

White Label Cards with cryptocurrency support allow businesses to offer their customers an easy way to manage and use digital assets. Cryptocurrency support simplifies working with users from different countries. This is especially convenient for companies targeting global markets, where clients make international transactions.

As blockchain evolves and cryptocurrencies gain popularity, the demand for financial products supporting them will continue to grow in 2025. White Label Cards with crypto support help a brand establish itself as a leader and show that the company is keeping up with trends.

White Label Cards with cryptocurrencies address the current needs of both customers and businesses. From a branding perspective, this innovative solution helps create a positive brand image.

Conclusion

Choosing a service for issuing White Label Cards depends on the needs of the business.

The three solutions we reviewed — PSTNET, Wallester and PayAlly, offer a wide range of features. From issuing virtual and physical cards to integrating with security systems and managing expenses through special tools.

PSTNET stands out for its cryptocurrency support and positive user reviews, Wallester offers corporate solutions with low euro transaction fees and personalized problem-solving, and PayAlly emphasizes its data protection system. Of course, the choice of the right service should be based on the specific requirements and preferences of the company.

Overall, the White Label concept strengthens a brand, increases customer loyalty, and improves user experience. Customers see not a third-party service but a card with your logo and that builds trust.