MeridAx connects fintechs, neobanks, and financial institutions to the right card processors, BIN sponsors, and switching infrastructure — getting card programmes live in weeks, not years.
Credit, debit, prepaid, virtual, and co-badge across Visa, Mastercard, UnionPay, and local networks. We match you to the right processor for your product and geography.
Connect to BIN sponsors globally — essential for fintechs launching card programmes without direct Visa or Mastercard membership. Africa, Asia, Eastern Europe.
Visa & MastercardFull lifecycle from application and underwriting through to statement generation. Connected to processors across Africa, Asia and Europe.
Full LifecycleReal-time debit connected to your core banking system. Online, contactless, ATM, and POS — all major schemes supported.
Real-Time DebitOpen or closed loop prepaid for fintechs, travel cards, corporate expense management, and government disbursement programmes globally.
Open & Closed LoopInstant API-driven virtual card generation. Single-use or multi-use cards issued in milliseconds for B2B and expense management.
API-DrivenSub-100ms switching to all major card schemes. Full fall-back and contingency routing for card-present and card-not-present transactions.
Sub-100msApple Pay, Google Pay, and Samsung Pay connectivity via our processor network. Improves CNP approval rates and reduces fraud on digitised cards.
Apple / Google PayAutomated clearing and multi-currency net settlement via our processor connections. Reduces in-house operational overhead significantly.
AutomatedConnected to Access Control Server infrastructure for compliant cardholder authentication. Supports risk-based and frictionless flows.
EMV 3DS 2.2MeridAx removes the barriers that make launching a card programme complex, expensive, and slow — through our established processor and BIN sponsor relationships.
Through our established processor connections and BIN sponsor relationships, we get card programmes live in 4–8 weeks — versus the 12–18 months needed to build direct scheme relationships from scratch.
Switching, tokenisation, 3DS ACS, clearing, settlement, dispute management — all accessed through a single MeridAx connection to our processor network. No fragmented vendor management.
Credit, debit, prepaid, virtual, and co-badge programmes across Visa, Mastercard, UnionPay, and local networks. We match you to the right processor for your product and geography.
Our AI fraud detection engine monitors authorisation requests in real time — protecting your cardholders from CNP fraud, account takeover, and first-party misuse before transactions are approved.
Visa and Mastercard requirements are complex and constantly evolving. MeridAx keeps your programme aligned with all current and upcoming scheme mandates — always.
Tell us about your card programme goals and we will identify the right processor, BIN sponsor, and infrastructure within one business day.