MeridAx connects fintechs, neobanks, and financial institutions to the processors, BIN sponsors, and infrastructure they need to launch card programmes in weeks — not years. Credit, debit, prepaid, virtual, and co-badge supported.
We match each issuer to the right processor for their specific card product, geography, and regulatory environment — then manage the bank relationship on your behalf.
Consumer and commercial credit card products. Full lifecycle from application and underwriting through to statement generation and collections workflow.
Visa / MastercardReal-time debit connected to your core banking system via our processor network. Online, contactless, ATM, and POS — all transaction types, all major schemes.
Real-Time DebitOpen or closed loop prepaid for fintechs, disbursement platforms, travel cards, corporate expense management, and government benefit programmes.
Open & Closed LoopInstant virtual card generation via API-driven connections to issuer processors. Single-use or multi-use cards issued in milliseconds for B2B and expense management.
API-DrivenCommercial cards with spend controls, MIS reporting, and ERP and expense platform integration — connected via our processor network on your behalf.
B2B CardsDual-brand Visa/Mastercard card programmes with full co-badge scheme connectivity managed by MeridAx. Ideal for issuers entering multiple scheme markets simultaneously.
Dual SchemeWe guide and connect issuers to BIN sponsors globally. Critical for fintechs and challenger banks launching card programmes without direct scheme membership.
Visa & MastercardApplication intake, KYC, card embossing and personalisation, activation, renewal, and closure — all orchestrated through our processor network on your behalf.
Full LifecycleAuthorisation switching, tokenisation, 3DS, PIN management, clearing, settlement, and dispute management — all accessed through a single relationship.
Sub-100ms switching to all major card schemes. Full fall-back and contingency routing. Supports card-present, card-not-present, ATM, and contactless transactions.
Sub-100msApple Pay, Google Pay, and Samsung Pay token requestor connectivity via our processor partnerships. Improves CNP approval rates and reduces fraud on digitised cards.
Apple / Google PayConnected to Access Control Server infrastructure for compliant authentication responses when your cardholders transact online. Supports risk-based auth and frictionless flows.
EMV 3DS 2.2Secure PIN generation, encrypted PIN mailer delivery, and PIN change services via connected HSM infrastructure. Fully compliant with PCI PIN security requirements.
PCI PIN CompliantAutomated clearing file processing and multi-currency net settlement via our processor connections. Reduces in-house operational overhead and reconciliation error risk.
AutomatedFull representment connected to Visa Resolve Online (VROL) and Mastercard's dispute systems. Manages first presentment, arbitration, and compliance — all scheme-compliant.
VROL ConnectedReal-time neural network scoring on authorisation requests. Detects account takeover, CNP fraud, and first-party misuse — protecting your cardholders before approval.
Neural NetworksConnect your card programme to rewards and loyalty engines via our processor network. Points accumulation, redemption, cashback, and partner merchant integration.
Rewards EngineWhether you are launching a new card programme or migrating to better infrastructure, MeridAx removes the complexity — connecting you to the right processors and scheme sponsors without the years it typically takes.
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 ambitions. Our specialists will match you to the right processor and have a proposal to you within 24 hours.