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.
Business accounts, virtual and physical debit cards, local payments and multi-currency services with web and mobile interfaces.
Read case study: Pay IO
Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product.
Read case study: LuxPayEach card spends from the customer's e-money balance on the ledger, with authorisations placed as holds and settled when the transaction clears.
Cards topped up from an account and emptied back into it, with a dry run that shows the result before the money moves.
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.
Cards for a company's employees on one business account, each with its own spending limit and freeze switch for the finance team.
Temporary and permanent blocks, per-card limits, PIN delivery and retry resets, and secure display of card details, all inside your branded app.
Each requirement, what the platform gives you for it and who owns it after launch.
Pre-integrated issuers and processors, and the technical description your issuer asks for during onboarding.
You sign directly with the issuerA map of who does what between your EMI, the processor and Crassula, with subcontractors and hosting locations.
You, with our input3-D Secure sessions through Decta, approved or declined by the cardholder in your app.
Shared with the processorCard balances, open holds and settled transactions per customer, exported for your safeguarding reconciliation.
Your finance team, on platform dataA 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.
SharedCard limits per customer and per card, plus transaction and hold data exports for your monitoring tool.
Your MLROCard transaction history and spending details your support team needs to raise and track a dispute with the processor.
You, with the processorRails your customers can use
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.
Crassula connects 60+ payment, banking and compliance integrations. We will check which ones fit your licence.
Explore all connectors →Rules that change what you have to build, in the order they apply.
DORA applies. Your card processor and your card platform both belong in the register of information you keep for the Bank of Lithuania.
The EU Anti-Money Laundering Regulation applies directly, including its rules on when e-money and prepaid cards can skip full due diligence.
The Payment Services Regulation is expected to apply, with updated rules on strong customer authentication and fraud liability for card payments.
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 applicationCrassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application.
A configured environment to show the regulator, not slides.
IT systems, card processing outsourcing, ICT risk under DORA, PCI DSS scope and continuity sections of your Bank of Lithuania file.
Card issuing and processing through Decta, plus banking, safeguarding and KYC providers from our network, matched to your licence.
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, then read how EMI licensing works across the EU.
The questions teams ask us before a first call.
Not covered here?Bring your question to a demo with our team.Tell us your licence and country. We will map the rails, providers and documents you need.
Request demo
