Multipass is a financial services provider offering global business accounts, multi-currency payments, and cross-border transaction solutions.
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Issue Your Own Cards in Weeks, Not Months
Launch branded virtual and physical Visa and Mastercard cards on Crassula's platform: several pre-integrated card issuers across the EU, UK and globally, Apple Pay and Google Pay tokenization, and the compliance stack wired in before the first card ships. You contract with the issuer that fits your program; Crassula runs the technology. Your brand, your economics, your program.
- Virtual and physical cards
- Visa and Mastercard
- Apple Pay and Google Pay
- Pre-integrated issuers
- Program management
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The do-it-yourself route: 6 to 12 months before your first card
Becoming a card issuer on your own means scheme membership, a BIN range, a processor, a card bureau, a tokenization service and a PCI DSS audit. Each is a separate negotiation, and the clock adds up.
6-12 months
BIN and scheme membership
Getting your own BIN range means becoming a Visa or Mastercard member: capital requirements, audits and a queue. Most programs never need to own this layer.
PCI DSS
A certification you don't need to carry
Storing and processing card data puts your whole stack in audit scope. Level 1 certification is a project of its own, and it never ends: it renews every year.
5+ vendors
A patchwork to stitch and maintain
Processor, sponsor bank, card bureau, tokenization service, KYC provider: five contracts, five integrations, five points of failure - before you write a line of your own product.
One platform instead of five separate integrations
Pre-integrated card issuers
Several card issuers working in the EU, UK and globally, including Decta, are already connected to the platform. You contract with the issuer directly: they carry the licence and scheme membership, you control the product, brand and pricing.
Virtual and physical cards
Instant virtual issuance into Apple Pay and Google Pay; physical cards with your design through connected bureaus. A virtual card converts to plastic in one API call - no reissue, same account.
You stay out of PCI scope
Card data is tokenized and lives inside PCI-certified infrastructure. The raw PAN never touches your servers, so your audit scope stays small.
Real-time authorization control
Spend limits, merchant-category blocks, geography and velocity rules - configured per card or per segment from the admin console, without code changes.
Compliance wired in
KYC orchestration, AML monitoring, SCA and 3DS2 are part of the platform, not a retrofit. Compliance tooling is live before the first card is issued.
Branded cardholder apps
Cardholders order, freeze and manage their cards in your branded web, iOS and Android apps. Self-service card management cuts your support volume from day one.
See it in the product
Virtual and physical, on one account
Issue virtual cards instantly and ship physical plastic with your own design through connected bureaus. Personal, business and single-use cards all sit on the same account and ledger.
Instant virtual issuance into Apple Pay and Google Pay- A virtual card converts to plastic in one API call
- Visa and Mastercard through pre-integrated issuers
Cardholders manage their own cards
In your branded web, iOS and Android apps, cardholders order a card, freeze it, reveal details and set their PIN in a couple of taps. Self-service card management cuts your support volume from day one.
Run the program from one dashboard
Card delivery, limits, statuses and spend rules live in the Crassula Back-Office Dashboard, the same place your accounts, payments and compliance already sit. Set merchant-category blocks, geography and velocity rules per card or per segment without touching code.
Compliance wired in before the first card
KYC orchestration, AML monitoring, SCA and 3DS2 are part of the platform, not a retrofit. Card data is tokenized inside PCI-certified infrastructure, so the raw card number never touches your servers and your audit scope stays small.
Weeks
to a live card program on pre-integrated rails
150+
companies run on the Crassula platform
Visa & MC
virtual and physical cards through partner issuers
3DS2
SCA, tokenization and PCI scope on the platform
Built for your card program
Neobanks and EMIs
Ship a debit card alongside accounts and payments from day one. The card account, ledger and branded app come from the same platform, so there is nothing to stitch.
B2B expense management
Give SME clients business card programs with flexible spending and expense control: virtual cards per employee, per vendor or per subscription, with hard limits and merchant locks.
Crypto platforms
Give users a card that spends crypto-linked balances anywhere Visa or Mastercard is accepted, with fiat settlement handled underneath.
Marketplaces and gig payouts
Pay sellers and couriers onto instantly issued virtual cards instead of slow bank transfers. Funds arrive the moment the job clears.
A card is a revenue line, not a cost centre
Every transaction on your card earns interchange for the issuing side; your share of it is set in your direct agreement with the card issuer. On Crassula, you configure issuance, transaction and maintenance fees per card product and keep your client pricing under your control.
No black-box platform pricing. You see the fee structure before you sign, and you adjust your own tariffs from the admin console as your program grows.
- Interchange terms agreed directly with your issuer
- Issuance, transaction and maintenance fees you define
- Per-product and per-segment pricing without engineering
- Transparent platform fees: setup plus per-card and per-transaction
Already issuing? Switch without starting over
If your current processor is slow to change or holds your roadmap hostage, Crassula migrates existing card programs onto its stack: card accounts, balances and rules move in staged waves, and open APIs mean you are never locked in again.
Card issuing, explained
FAQ
With issuer and processor integrations already in place, a branded card program typically reaches market in weeks once your agreement with the card issuer is signed. Building the same stack from scratch, including scheme membership, usually takes 6 to 12 months and often longer.
Crassula is a technology platform and does not hold a licence for your program. You either bring your own EMI or banking licence and Crassula plugs into it directly, or you sign an agreement with one of the licensed card issuers integrated with the platform and launch under their licence and scheme membership. Which route is available depends on the issuer and your product.
A licensed card issuer connected to the platform, such as Decta and other issuers working in the EU, UK and globally. The issuer holds the Visa or Mastercard membership and the regulatory licence; you sign a direct agreement with them and run your program on top. Crassula provides the technology layer: the ledger, the APIs, the branded apps and the back office.
Card data is tokenized and processed inside PCI-certified infrastructure, so the raw card number never touches your servers and your own audit scope stays small. SCA and 3DS2 flows are handled by the platform.
Interchange terms are part of your direct agreement with the card issuer. Platform pricing is a setup fee plus per-card and per-transaction charges; you define your own issuance, transaction and maintenance fees per card product. Physical cards add a per-unit manufacturing cost, virtual cards are effectively free to produce.
Yes. Existing programs move in staged waves: card accounts, balances and program rules migrate while cards keep working. Open APIs mean the exit door stays open too - no lock-in by design.
