--- title: "Card Issuing for Lithuanian EMIs | Programme Platform" description: "Card issuing for EMIs licensed in Lithuania: virtual and plastic cards via API, limits, freezes, PIN and 3-D Secure. You contract the issuer directly." url: "https://crassula.io/solutions/card-issuing/lithuania-emi/" lang: "en" image: "https://crassula.io/static/images/og/crassula-default.d7d01fb8a962.jpg" alternates: "en": "https://crassula.io/solutions/card-issuing/lithuania-emi/" "de": "https://crassula.io/de/solutions/card-issuing/lithuania-emi/" "es": "https://crassula.io/es/solutions/card-issuing/lithuania-emi/" "fr": "https://crassula.io/fr/solutions/card-issuing/lithuania-emi/" "x-default": "https://crassula.io/solutions/card-issuing/lithuania-emi/" index: "https://crassula.io/llms.txt" --- Lithuania · EMI # Card issuing for Lithuanian e-money institutions Your EMI owns the card programme and the customer. A scheme member handles BIN sponsorship and processing under a contract you sign with it, and the platform links each card to an e-money balance and gives you the controls. [Request demo](https://crassula.io/request-demo/) [Card Issuing →](https://crassula.io/solutions/card-issuing/) Your market**Lithuania**EMI - Virtual and plastic cards via API - Cards linked to e-money balances - Limits, freezes and PIN management - 3-D Secure through Decta Rails your customers can use **Visa****Mastercard****SEPA Credit Transfer****SEPA Instant****Card top-up from account** What the regulator asks about your IT**7** Decta Case Studies ## See what teams build with Crassula. ![Pay IO](https://crassula.io/static/images/solutions/cases/logo-payio.bbe18d95fdcd.png) - Business accounts - Virtual and physical cards - Multi-currency exchange Live on Crassula ### [Business banking built around everyday financial needs.](https://crassula.io/cases/payio/) Business accounts, virtual and physical debit cards, local payments and multi-currency services with web and mobile interfaces. [Read case study: Pay IO](https://crassula.io/cases/payio/) ![LuxPay](https://crassula.io/static/images/solutions/cases/logo-luxpay.7d1fa138b9ba.png) - IBAN · SEPA - Card issuing - KYC onboarding Live on Crassula ### [A connected banking platform for modern financial services.](https://crassula.io/cases/luxpay/) Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product. [Read case study: LuxPay](https://crassula.io/cases/luxpay/) Card Issuing · EMI ## Card programmes a Lithuanian EMI can run ### Debit-style cards on e-money accounts Each card spends from the customer's e-money balance on the ledger, with authorisations placed as holds and settled when the transaction clears. ### Prepaid cards Cards topped up from an account and emptied back into it, with a dry run that shows the result before the money moves. ### Virtual first, plastic later Issue a virtual card at onboarding and convert the same card to plastic when the customer orders one, without a second card number to manage. ### Corporate expense cards Cards for a company's employees on one business account, each with its own spending limit and freeze switch for the finance team. ### Card controls in your app Temporary and permanent blocks, per-card limits, PIN delivery and retry resets, and secure display of card details, all inside your branded app. ### What this licence does not cover - Credit cards funded from e-money balances. Credit is only possible as an ancillary service, funded separately and within short limits. - Interest on card balances. - A card programme without a scheme member behind it. Unless your EMI becomes a principal member itself, you need a BIN sponsor or issuing partner. - Anonymous prepaid cards above the thresholds allowed by AML rules. Your market ## What the regulator asks about your IT Each requirement, what the platform gives you for it and who owns it after launch. 1 Contract with a scheme member issuer or BIN sponsor Pre-integrated issuers and processors, and the technical description your issuer asks for during onboarding. You sign directly with the issuer 2 Outsourcing of card processing and the DORA register of information A map of who does what between your EMI, the processor and Crassula, with subcontractors and hosting locations. You, with our input 3 Strong customer authentication for online card payments 3-D Secure sessions through Decta, approved or declined by the cardholder in your app. Shared with the processor 4 Safeguarding of funds behind card balances Card balances, open holds and settled transactions per customer, exported for your safeguarding reconciliation. Your finance team, on platform data 5 PCI DSS scope for card data A PCI DSS Level 1 platform with yearly audits, penetration tests and quarterly internal scans, and a cardholder data endpoint that keeps card numbers out of your own systems. Shared 6 AML controls on card spending Card limits per customer and per card, plus transaction and hold data exports for your monitoring tool. Your MLRO 7 Chargebacks and disputes Card transaction history and spending details your support team needs to raise and track a dispute with the processor. You, with the processor Lithuania ## Payment rails and providers Rails your customers can use Visa Mastercard SEPA Credit Transfer SEPA Instant Card top-up from account Decta ### Decta Card processor and Visa and Mastercard principal member, holding EMI licences in the EEA and offering BIN sponsorship and white-label issuing to licensed financial institutions. Pre-integrated with Crassula, including 3-D Secure. You contract Decta directly. ### [Prefer another provider?](https://crassula.io/connectors/) Crassula connects 60+ payment, banking and compliance integrations. We will check which ones fit your licence. *Explore all connectors →* **24/7**real-time processing, no batch window **60+**payment and provider integrations connected **150+**companies run on Crassula **15+**languages the platform speaks Lithuania ## Dates to plan around Rules that change what you have to build, in the order they apply. 1. **17 Jan 2025** DORA applies. Your card processor and your card platform both belong in the register of information you keep for the Bank of Lithuania. 2. **10 Jul 2027** The EU Anti-Money Laundering Regulation applies directly, including its rules on when e-money and prepaid cards can skip full due diligence. 3. **Around 2028** The Payment Services Regulation is expected to apply, with updated rules on strong customer authentication and fraud liability for card payments. EMI ## Applying to the Bank of Lithuania for an EMI licence with cards in the plan? Name us in your file. If cards are part of the business plan, the Bank of Lithuania will ask how the programme is built, who processes it and how card funds are safeguarded. We show the card flows on a working platform and write that part of the technical file with you. [Talk to us about your application](https://crassula.io/request-demo/) Crassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application. 1. 01 ### A platform you can demonstrate A configured environment to show the regulator, not slides. 2. 02 ### The technical part of your application, prepared IT systems, card processing outsourcing, ICT risk under DORA, PCI DSS scope and continuity sections of your Bank of Lithuania file. 3. 03 ### Providers lined up Card issuing and processing through Decta, plus banking, safeguarding and KYC providers from our network, matched to your licence. ![An everyday contactless payment at an independent café.](https://crassula.io/static/images/features/people/spending-1200.c1677a4b1c39.webp) Card Issuing ## How a launch usually runs Take a Lithuanian EMI with a few thousand business customers that wants to give them expense cards. The EMI signs a BIN sponsorship and processing agreement with an issuer, and we connect its card products to the platform so each company can issue cards to staff from the app. The finance teams set limits per employee, freeze a card in one tap when someone leaves, and approve 3-D Secure checks on their phones. Virtual cards go live first. Plastic follows after the card design gets scheme approval, and each existing virtual card is converted rather than replaced. Start with the [Lithuania EMI licence guide](https://crassula.io/guides/licenses/lithuania-emi/), then read how [EMI licensing works across the EU](https://crassula.io/guides/licenses/electronic-money-institution/). Guides ## Read the licence guides ![Lithuania EMI License in 2026: The Complete Guide](https://crassula.io/static/images/guides/lithuania-emi/vilnius-gate-preview-960.62559a0b8d1d.jpg) ### [Lithuania EMI License in 2026: The Complete Guide](https://crassula.io/guides/licenses/lithuania-emi/) ![Electronic Money Institution (EMI) License in 2026: The Complete Guide](https://crassula.io/static/images/guides/electronic-money-institution/emoney-coin-preview-960.54bbaf747450.jpg) ### [Electronic Money Institution (EMI) License in 2026: The Complete Guide](https://crassula.io/guides/licenses/electronic-money-institution/) ![What Is Card Issuing? BIN Sponsorship, Virtual Cards and Compliance Explained](https://crassula.io/static/images/guides/what-is-card-issuing/card-issuing-press-preview-960.499cb024b4f3.jpg) ### [What Is Card Issuing? BIN Sponsorship, Virtual Cards and Compliance Explained](https://crassula.io/solutions/card-issuing/guides/what-is-card-issuing/) ![White-Label Debit Cards in 2026: The Complete Guide](https://crassula.io/static/images/guides/white-label-debit-cards/debit-card-vault-preview-960.4f49fa92c4de.jpg) ### [White-Label Debit Cards in 2026: The Complete Guide](https://crassula.io/solutions/card-issuing/guides/white-label-debit-cards/) [**Explore all guides**Licensing, payments, cards and core banking, explained by our team.](https://crassula.io/guides/) Lithuania · EMI ## FAQ The questions teams ask us before a first call. [**Not covered here?**Bring your question to a demo with our team.](https://crassula.io/request-demo/) Can a Lithuanian EMI issue Visa or Mastercard cards? Yes. Issuing payment instruments is within an EMI licence. To put a scheme brand on the card you either become a principal member or, more often, work with a BIN sponsor that already is one. Does Crassula provide the BIN? No. Crassula is not a scheme member. You contract the issuer or BIN sponsor directly, and interchange terms are part of that agreement. The platform is pre-integrated with issuers such as Decta. What can we control through the API? Card issuing, conversion from virtual to plastic, temporary and permanent blocks, per-card limits, PIN delivery and retry resets, card top-ups and withdrawals, holds and 3-D Secure approvals. How do card funds fit into safeguarding? A card linked to e-money spends from a safeguarded balance. The ledger shows balances, open holds and settled card spend for each customer, which your finance team uses for reconciliation. How long does a card programme take to launch? Most of the time goes into the issuer's onboarding and scheme approval of the card design. Virtual cards can usually go live first, while plastic waits for production. Lithuania · EMI ## Card programmes a Lithuanian EMI can run Tell us your licence and country. We will map the rails, providers and documents you need. [Request demo](https://crassula.io/request-demo/) [**Know what you pay**One setup fee and a monthly plan with accounts and transactions included.*See pricing →*](https://crassula.io/prices/) [**Start with the API**Documented endpoints for accounts, payments, cards and customers.*Explore the API →*](https://crassula.io/features/api/)