White Label Banking Platform

Choosing fintech solutions for business is a fairly complex process, involving cybersecurity, compliance with legal regulations, and customisation to meet a partner’s specific needs. In fintech, there is a category of solutions designed to relieve business owners of headaches and give them tools to close their financial needs. We’re talking about Banking-as-a-Service. One BaaS collaboration model that is gradually emerging in the fintech market is White Label. In this article, Regulated Unired Europe would like to highlight how this works and how, with the help of which solutions, modern neobanks are moving towards more convenient niche banking and a more open economy in general.

White Label and BaaS: how it works

In general terms, white label is a type of partnership in which one company produces goods or services and the other sells them under its own brand. This approach allows each partner to do what they do best. The seller sells, the manufacturer produces.

The concept of white label was originally used in the American recording industry. Back in the 1950s, manufacturers produced vinyl records without a label (i.e. with a white label) so that retailers could put their company name on them. The word has since spread to other industries and has become widely used in e-commerce, software development, manufacturing and finance.

In IT, the white label concept is used for product development. This scheme was first used in 2001: an online mobile phone sales site offered other companies a rebranded version of its website. In the banking industry, this format of interaction is realised in the form of Banking-as-a-Service – the provision of banking infrastructure by a company to other market participants.

BaaS is a broader concept than white label. Banking infrastructure and software make it possible to assemble a certain product to which more or less automated access is provided. Such products may include card issuance, payment processing, limit management system, factoring, acquiring, document recognition, cashback services, loyalty programmes, payments, cash management, corporate accounts and other services. The client composes a set of services at his discretion and according to his needs, thus creating a customised version of his own “bank”. As for White Label, it is only a question of obtaining a set of final client products for specific needs.

The core of the White Label product is an electronic wallet that allows you to store electronic money and perform various financial transactions with it:

• Virtual and plastic bank cards can be issued to it, which is added to Google Pay, Apple Pay, Samsung Pay
• The wallet can be topped up in various ways, for example, from other cards or payments from partners
• You can withdraw funds from the wallet to providers, to cards of other banks or to another wallet
• Around the product, partners can build their custom applications using a modern API protocol

White label neo banking platform – who is this service for?

Neobanks with EMI/PSP licence in Europe

Many large companies turn to technology providers when they decide to launch financial products and services. They do not have their own experience in development or do not have enough resources to develop a banking product on their own. Therefore, in their case, it is more logical to buy the necessary service.

The procedure is extremely transparent: the client receives a card, pays for purchases with it, and the commission is deducted, which goes to the issuer. The information about the purchase is then passed on to the partner retailer, and it awards points to the client in the form of cashback.

Non-banks and fintechs without a banking licence

This category of business needs a whole infrastructure layer to which it can connect and thereby expand the payment functionality of its products.

In Europe, large banks are the owners of this infrastructure, while niche banking start-ups have few opportunities to develop their products. In addition, these small companies typically lack the expertise and resources to develop their own products, especially in the area of complex and highly regulated banking products.

There are situations when a company wants to test a hypothesis at the intersection of banking and non-banking organisations. There is a need to create a niche bank for a narrow segment or to combine in its offer banking and non-banking services that a specific audience has a need for. To test such a hypothesis, you need a banking licence and infrastructure. BaaS in this case helps to test this hypothesis in a simpler and cheaper way than creating an in-house bank.

BaaS can be useful to any business that wants to build financial functionality into their products, but doesn’t have the time, funds or expertise to do so.

It is important to realise that the main task of a business is to find added value to an existing core product. This can be, for example, user retention or process optimisation. Therefore, a white label should be synergistic with the core business – then this product will bring maximum benefit.

Positive impact of white label banking on the economy

White label not only lends a helping hand to businesses, but also contributes to the development of the economy. Thanks to WL, companies improve their customer experience and services, fundamentally new solutions appear on the market, cross-industry co-operation develops, startups get access to reliable infrastructure and can develop their products, which, in turn, fuels competition in the market. Thus, more and more neo-banks and niche players are emerging. Unlike large companies, they solve customer problems in a targeted and unique way, creating services for narrow needs and niche audiences for whom traditional banking is not suitable.

Conceptually, BaaS and its private White Label example is a step towards an open finance society and a more flexible economy. Many countries are moving towards open banking – banks give access to their infrastructure through open APIs.

White label digital bank

 

Private label banking solutions: customised financial products

Digital banking projects and related applications typically require significant investments of both time and capital. As an alternative to developing unique banking solutions from scratch, fintech initiatives have the opportunity to launch their offerings based on off-the-shelf white-label platforms, thus reducing the time-to-market and optimising costs. In this article, we will discuss the features of white-label digital banking solutions and the key advantages of this approach.

What is white-label digital banking?

White-label banking covers a range of back-office tasks and provides ready-to-use banking and payment products, including APIs for interaction with various BaaS providers. This approach also opens up opportunities to develop new products without having to build them from scratch and simplifies the integration of new services. White-label digital banking solutions White-label’s digital platform offers the following features: Customer onboarding and AML/KYC For account opening and registration, new customers go through a verification process and provide the required information. Inbuilt KYC/AML procedures ensure that registration processes are secure, fast and simple. Payments and Currency Transactions Developing a payment system is a complex task, but with White-label’s out-of-the-box solutions for payments and currency transactions, you can easily connect to a variety of services and offer customers a wide range of payment methods and currencies. Licensing as a service Fintech projects can operate under the licence of partner e-money, payment systems or banks. Card issuance By partnering with card issuance solution providers, you can offer debit cards under your brand. Sponsoring IBANs A multitude of regulated companies provide the ability to generate IBANs without a special licence, as well as integration with SEPA. This allows you to automate the issuance and management of IBANs via an API. The IBAN numbers issued are registered in the name of the partner, providing customers with the necessary details. Integrating different off-the-shelf white-label solutions can be challenging, but the process is made much easier with integrated solutions and a flexible architecture that allows new products to be launched quickly. White-label end-user applications and digital banking

White-label digital banking platforms typically focus on back-office operations, while end-user applications such as web banking and mobile apps provide the customer experience. They can effectively complement a digital banking solution, creating a unified user experience. Fintech companies have the ability to quickly develop apps for their customers using their own brand and style.

White-label benefits: Saving resources

Developing your own solution requires significant investments in the IT team, testing and debugging. With the purchase of a ready-made platform, you can reduce costs and implementation time. White-label products are built by expert teams, utilise cutting-edge technology, undergo rigorous testing and comply with regulatory requirements. Quick Start Avoid lengthy development and testing phases – with off-the-shelf solutions, you’re faster to introduce new features and offer them to customers. Understand the product Get to know the product upfront, testing and customising it before launch.

Advantages of white-label banking platform

Saving time and money

Building a product from scratch is a process that requires resources, often significant resources. It’s money and time, as well as risks for mistakes and unforeseen problems. White-label products offer ready-made, proven solutions, and this allows businesses to benefit from them quickly and without hassle.

Flexibility and scalability

Typically, off-the-shelf solutions are equipped with a variety of features and can be customised according to business needs. In addition, white-label solutions provide the flexibility to scale services. Let’s take the example of a retail business looking to expand its operations.

Using a white-label e-commerce platform, a startup can easily integrate multiple functionalities such as inventory management, customer relationship management, etc.

Expertise from the best in the industry

White-label providers tend to have powerful expertise and cherish their reputation. They focus on the quality of their solutions. Otherwise, no one will recommend them or buy from them.

Being able to focus on what you do best.

Instead of spending effort, money and time on something that is beyond the expertise of your team, you buy an off-the-shelf solution and focus on developing your product. Let’s take Shopify as an example.

The leading e-commerce platform uses Stripe to process its online transactions and thus frees up its time to focus on providing the best user experience to build an online shop.

It’s not white-label – after all, the point of such co-operation is not to let end customers know about it – but this example illustrates the point well: one of the largest e-commerce platforms is outsourcing electronic payments.

Disadvantages white-label banking platform

Reputational risks

If a white-label product has flaws, consumers associate them with your brand. Updates, service and any problems – if the supplier has a problem with it, so do you. So make sure you are offered a sustainable solution and a reliable partnership.

Benefits are important, but trust is paramount. It is also worth finding out whether providers are willing to customise the product to suit your needs and provide timely assistance to you or your clients.

It’s not a unique solution

White-label products are designed for a wide audience of users, as vendors offer their solutions to numerous distributors, not just you. So be prepared to pay separately for additional functionality or customisation outside of the WL service package.

White-label solutions in online payments

In online payments, the white-label model has opened up a whole world of possibilities: companies can offer sophisticated payment solutions even without having large resources to design and build their own service.  The two main white-label solutions in this area are payment gateway and payment orchestration.

 

White-label payment gateway

So, the first product is a white-label payment gateway also known as a SaaS PSP, where SaaS stands for Software as a Service and PSP stands for Payment Service Provider. It is an off-the-shelf payment solution that businesses can implement to accept payments under their own brand or provide payment services. With SaaS PSP, a business gets all the tools it needs to accept payments on its own: a personal account for online merchants, a payment page, technical documentation, and an admin panel where its team can manage all merchant onboarding processes.

Along with this, to the whole PSP infrastructure is added the expert team that maintains it: the provider provides conscientious technical support and advises on any issues.

A white-label payment gateway is often chosen by PSP start-ups. As a rule, they already have their own contacts with acquiring banks and payment systems, but the team is small and the resource for developing services for merchants and payers is limited.

When these businesses connect a white-label PSP, they get a full-fledged payment service that includes:

• merchant portal: a personal account where online merchants can work with payments;
• payment page adapted for all screens and devices;
• The documentation by which their clients will customise payment;
• A user-friendly admin panel for your team to connect online sellers and manage their projects;

All services with which online sellers will work are designed in the corporate style of the WL-client and hosted on its domain. Therefore, neither partners nor payers guess that the business uses the WL platform.

Setting up and basic customisation of a SaaS PSP takes about two weeks. Meanwhile, developing a payment gateway from scratch takes about two years and costs at least $1.5-2 million.

White label banking platform – general information

White label is a solution that allows companies to use an off-the-shelf product or service developed by another company under their own brand.

Advantages of this solution

White label solutions for payment services are ready-made technology platforms provided to partners to support payment and money transfer processes. The advantages of such solutions are obvious:

1. Reduced time for product development and launch. Companies can focus on promoting their brand and marketing campaigns.
2. Cost savings. White label solutions are ready-to-use platforms.
3. Flexibility of customisation and integration. White label platforms provide the ability to customise functionality to meet the specific needs of the partner. Partners can use APIs to integrate payment services into their software or website.
4. Expanding the functionality of partner products. With white label solutions, partners have access to tools that can significantly improve and complement the functionality of their products. This allows them to compete with other companies on the market.
5. Increased brand awareness. The brand partner uses white label solutions that have already proven themselves in the market, this increases recognition and enhances customer loyalty.

White label service is a great choice for companies that want to grow their online payments business as efficiently and quickly as possible.

What is white label personalisation and why it is more profitable than developing your own platform

White label personalisation is the process of customising and changing a standard interface to suit the unique needs of a particular business or brand. It can involve adjusting the logo, colour scheme, fonts, texts and other UI elements to create a unique and distinctive experience for users and customers.

Commissioning white label platform personalisation can be much more cost-effective than developing your own payments platform:

• Firstly, developing your own platform requires significant time and financial costs, as it is necessary to create all the components of the platform from scratch: from design to testing and implementation. At the same time, personalisation of the white label platform allows to significantly reduce time and financial costs, as most of the components have already been created, and it remains only to adapt them to specific needs and brand them.
• Secondly, personalising a white label platform allows for a significantly faster time to market, as an already existing platform allows you to get started as soon as you make the necessary changes and adaptations.
• Thirdly, ordering platform customisation offers the opportunity to get the high quality and reliability of already tried and tested and well-established technologies.

White label platform personalisation is therefore a more cost-effective and faster way to build your own payments platform.

How it works and who it suits

A payment service that uses a white label solution provides its customers with a complete payment service under its own brand.

White label solutions for payment services can be useful for various companies and businesses that want to provide online payment services. They are great for startups and small companies that do not have their own infrastructure and the ability to build a payment system from scratch.

White label solutions can also be useful for large companies that want to expand their business and offer their services in new areas. For example, for banks that want to start providing online payments to their customers, but do not want to invest in developing their own payment system.

Advantages of white label banking platform

• Ready-made payment aggregator to quickly launch your e-payment business.
• Fully customise the solution to suit your brand and design.
• Connection to various payment systems and banks.
• Technical support and staff training.
• Flexible payment terms.

Our payment aggregator is suitable for a variety of businesses including online shops, online services, mobile apps, fintech startups and more.

We guarantee reliability, security and high quality of our services. In addition, our pricing policy provides flexible tariff plans that depend on the volume of transactions. This allows our clients to reduce the cost of payment services. We provide training and support to ensure effective use of the platforms and guarantee their safety and security.

In conclusion, White label banking for payment services is a great option for those who want to develop their business in the field of electronic payments and do not want to develop their own payment service from scratch.

If you are interested in developing your payment service using this solution, leave an application on the website and our manager will contact you as soon as possible to discuss the details of cooperation. Don’t miss the opportunity to quickly launch your own payment service!

White label digital bank

 In recent years, the term “White Label” has become widely recognised in the world of financial technology, especially in the context of digital banking. White Label solutions offer companies the opportunity to offer banking services under their own brand, using a ready-made platform developed by a third party. This significantly reduces the time and capital costs of developing a proprietary system, as well as speeding up the process of bringing a product to market.

Key Benefits of White Label Digital Banking Solutions

1. Reduction of Development Costs and Time

Developing a proprietary banking platform requires significant investment and time. White Label solutions allow companies to use ready-made and well-established technological solutions, which significantly reduces initial costs and speeds up the process of launching services.

2. Focus on Customer Service and Branding

Using the White Label platform, companies can focus their efforts on improving customer service, marketing and branding. This allows the product to be more effectively tailored to the needs and expectations of the target audience.

3. Compliance with Regulatory Requirements

The banking industry is highly regulated. White Label solutions often include support for regulatory compliance, making it easier for companies to comply with local and international legislation.

How White Label Digital Banks Work

Selection of Supplier

The first step for a company looking to utilise a White Label solution is to choose a trusted supplier with a proven platform that can be tailored to the client’s specific requirements and brand.

Integration and Customisation

After selecting a vendor, the platform integration and customisation stage follows. At this stage, the design of interfaces is customised, unique features are added and necessary services are integrated.

Testing and start-up

Before the official launch of the product, testing is carried out to identify and eliminate possible bugs. This is a critical stage that prevents problems in the future.

Support and Updates

The White Label solution provider typically provides technical support and regular updates to the platform, ensuring it is kept up to date with changes in legislation and market trends.

Conclusion: White Label digital banks open up new opportunities for companies looking to enter the financial sector quickly and efficiently. By offering end-to-end solutions that can be scaled and tailored to individual needs, they make technologically advanced banking services accessible to a wide range of businesses and organisations.

 White label crypto bank

 White Label cryptocurrency banks are platforms that allow companies to quickly and efficiently launch their own branded cryptocurrency banking services using already developed infrastructure and third-party technology. This solution is ideal for financial institutions, fintech startups and other companies looking to expand their service portfolio without having to develop their own complex software.

Key Benefits of White Label Cryptocurrency Banks

1. Fast and economical start-up

Launching your own cryptocurrency banking platform from scratch requires significant time and financial costs. Using a White Label solution allows you to significantly reduce initial investments and speed up the process of bringing the product to market, as the basic infrastructure and software have already been developed and optimised.

2. Compliance with regulatory standards

The cryptocurrency market is subject to strict regulation that continues to evolve. White Label cryptocurrency providers typically offer solutions that are already compliant with current regulatory requirements, making it easier for clients to comply.

3. Technical support and maintenance

Clients who choose White Label solutions receive ongoing technical support and software updates, which guarantees the stability of services and their relevance in accordance with the latest technological advances and changes in legislation.

Cryptobank’s White Label Work

Supplier selection

The first step is to choose a reliable White Label cryptocurrency provider that can offer a flexible and scalable solution that is tailored to your business specifics and needs.

Personalisation and branding

The contract is followed by the platform customisation phase, including the integration of corporate identity, logos and other brand elements. This is important for creating a unique user experience and strengthening the company’s brand.

Integration and launch

At the integration stage, the platform is customised to ensure its compatibility with other systems and services of the client. After successful testing of the system and confirmation of its functionality and security, the project can be launched.

Marketing and customer acquisition

After the project is launched, work begins on attracting clients, which includes marketing and advertising campaigns aimed at increasing the recognition of the new service and attracting the target audience.

Conclusion: White Label Cryptobank is a powerful tool for companies looking to expand their presence in digital finance. This solution allows not only to save resources, but also to quickly adapt to changing market conditions, offering customers innovative and reliable cryptocurrency services under their own brand.

 How to start own Neobank

 Neobanks, or digital banks, are one of the fastest growing segments in financial technology. They offer users convenient, accessible and innovative banking services delivered entirely through digital platforms without physical branches. Setting up your own neobank requires careful planning, understanding of legislation and ensuring a high level of technology integration. Below are the key steps in launching a neobank.

Step 1: Market research and target audience identification

The first step in launching a neobank is thorough market research and identifying the target audience. It is important to understand what financial products and services are most in demand among potential customers, and what problems or inconveniences can be solved with a new neobank. It is also important to study competitors and determine what can be improved or offered that is unique.

Step 2: Develop a business model

Developing a clear and effective business model is critical to the success of a neobank. This includes identifying revenue sources (e.g. transaction fees, interest on loans, subscription services), cost structure and potential profitability. It is also important to identify key partnerships, which may include technology platforms, service providers and financial institutions.

Step 3: Obtaining a licence

A licence is required for formal banking activities. The process and requirements for obtaining a banking licence vary greatly from jurisdiction to jurisdiction. In some countries, it is possible to obtain a special licence for digital banks, which may have lower capitalisation requirements than traditional banks.

Step 4: Technology infrastructure

The backbone of any neobank is its technology platform. A robust IT infrastructure must be selected or developed to ensure high performance, data security and usability. Many neobanks use cloud-based solutions to ensure scalability and flexibility of their services.

Step 5: User Interface and Experience

Interface design and overall user experience are critical to attracting and retaining customers. The interface should be intuitive, attractive and functional on all types of devices, especially mobile devices.

Step 6: Compliance with regulatory requirements

Non-banks must strictly comply with financial regulations, including anti-money laundering (AML) and privacy requirements (e.g. GDPR in Europe). This requires implementing appropriate systems and processes for customer due diligence (KYC) and transaction monitoring.

Step 7: Marketing and launch

The final stage involves developing and implementing a marketing strategy for the launch of the neobank. This includes branding, advertising campaigns, partnership programmes and customer acquisition strategies. It is important to create a strong first impression and continue to actively communicate with the target audience after the launch.

Conclusion: Starting your own neobank is a complex project that requires considerable effort at all stages, from planning to implementation. Nevertheless, with the right approach and fulfilment of all necessary conditions, a neobank can become a successful and profitable business offering innovative financial services to modern consumers.

Understanding White Label Banking

So, what exactly is white label banking? In simple terms, it’s a service where a financial institution provides banking services under its own brand name, but the underlying infrastructure and technology are supplied by a third-party provider. Essentially, it’s like having your own branded banking platform without the hassle of building and maintaining the infrastructure from scratch.

The Mechanics Behind White Label Banking

The mechanics of white label banking involve collaboration between two entities: the financial institution (the client) and the technology provider (the white label partner). The white label partner offers a suite of banking services, including account management, payments processing, card issuing, and more, all under the client’s brand.

This arrangement allows the client to focus on what they do best—building customer relationships and delivering value-added services—while leveraging the expertise and technology of the white label partner to handle the backend operations.

Empowering Financial Inclusion

One of the most significant advantages of white label banking is its potential to promote financial inclusion. By providing a turnkey solution, white label banking enables smaller financial institutions, startups, and even non-banking entities to enter the market and offer banking services to underserved populations.

For example, a community bank or a fintech startup may lack the resources to develop their own banking platform. By partnering with a white label provider, they can quickly launch a branded banking solution tailored to the needs of their target audience, whether it’s unbanked individuals, small businesses, or niche markets.

Accelerating Innovation

In addition to fostering financial inclusion, white label banking also fosters innovation within the financial services industry. By leveraging the expertise of specialized technology providers, financial institutions can rapidly deploy new features and services to meet evolving customer demands.

For instance, white label partners often offer modular, API-driven platforms that enable seamless integration with third-party applications and services. This flexibility allows clients to enhance their banking offerings with features like mobile payments, budgeting tools, or even cryptocurrency services, without the need for extensive development resources.

Challenges and Considerations

While white label banking offers numerous benefits, it’s not without its challenges. One of the primary concerns for financial institutions is maintaining brand integrity and ensuring a seamless customer experience. Since the backend operations are handled by a third-party provider, there’s a risk of disconnect between the brand image and the actual service delivery.

Moreover, regulatory compliance and data security are paramount considerations in the financial services industry. Financial institutions must thoroughly vet their white label partners to ensure they adhere to all relevant regulations and implement robust security measures to protect sensitive customer information.

Looking Ahead

As the demand for digital banking continues to grow, white label banking presents a compelling opportunity for financial institutions to innovate and expand their service offerings. By leveraging the expertise of white label partners, they can accelerate their time-to-market, enhance their competitive edge, and deliver value-added solutions to their customers.

In conclusion, white label banking has the potential to revolutionize the way financial services are delivered, empowering both traditional institutions and newcomers to thrive in the digital economy. As technology continues to evolve and consumer expectations evolve, white label banking will undoubtedly play a crucial role in shaping the future of finance.

Customization and Differentiation

One of the key advantages of white label banking is the ability for financial institutions to customize the platform to suit their unique branding and customer experience requirements. While the underlying technology is provided by the white label partner, clients have the flexibility to tailor the user interface, design elements, and even the suite of services offered.

This level of customization enables financial institutions to differentiate themselves in a crowded market by offering a banking experience that aligns with their brand identity and resonates with their target audience. Whether it’s through personalized messaging, intuitive user interfaces, or innovative features, white label banking allows clients to stand out from the competition and attract and retain customers.

Scalability and Cost Efficiency

Another significant benefit of white label banking is its scalability and cost efficiency. Building and maintaining a banking platform from scratch requires substantial upfront investment in infrastructure, technology, and human resources. For smaller financial institutions and startups with limited resources, this barrier to entry can be prohibitive.

By leveraging a white label solution, financial institutions can access a fully functional banking platform without the need for significant capital expenditure. Moreover, as their customer base grows and their needs evolve, they can easily scale their operations by leveraging the scalability inherent in the white label model.

Enhancing Customer Engagement

In today’s hyper-connected world, customer engagement is paramount for the success of any financial institution. White label banking provides clients with the tools and capabilities to enhance customer engagement and foster long-term relationships with their customers.

Through features like personalized account insights, targeted marketing campaigns, and seamless omnichannel experiences, financial institutions can deepen their connections with customers and drive loyalty and advocacy. By leveraging data analytics and machine learning algorithms, they can gain valuable insights into customer behavior and preferences, enabling them to deliver more relevant and personalized banking experiences.

Regulatory Compliance and Risk Management

In the highly regulated financial services industry, compliance with regulatory requirements and robust risk management practices are non-negotiable. When partnering with a white label provider, financial institutions must ensure that their chosen partner adheres to all relevant regulations and industry standards.

White label partners typically have extensive experience in navigating regulatory frameworks and implementing best practices for data security, privacy, and compliance. By outsourcing these responsibilities to a trusted partner, financial institutions can mitigate regulatory risks and focus on their core competencies of serving their customers and growing their business.

The product provides access to all IT and payment infrastructure, re-branded with your logo design.

Banking as a Service project consists of:

• Designing the remote services (online and mobile banking) with your logo, your URL, your mobile application in Google Play and App Store.
• Programming the tailor-made tariffs to automatically charge the end-clients.
• Customization of compliance approach and on-boarding policy upon your project.
• API Integration on your website to receive private and corporate application forms for account opening.
• White-label solution requires only Sales/Marketing department to support the business.
• All the rest of the business aspects, such as Client On-boarding, Compliance, Payments, Technical Support are handled by Satchel from the point the account opening forms are received.

The process:

• You will have minimum fees charged.
• You will be able to add your margin and create a tariff plan to end-customers of your choice.
• The margin added on top of the minim fee list will be shared 50/50 and paid to you in live mode.

Regulated United Europe is able to offer:

The whitelabel approximate setup

• Design of remote services (web and mobile banking);
• Mobile application in Google Play and AppStore;
• Tailor made tariffs to charge end clients automatically
• Private and corporate application forms for account opening;

Monthly maintenance fees

• Possibility to add mark-up of your choice for the end-customers;
• The mark-up is shared 50/50 and paid to your commissions account instantly

Card Setup

• Unlimited number of cards with increased spending limits.
•  Issuance fee
• Monthly fee
• Card loading fee
• Shipping fee

Card monthly fee 

Account maintenance, support and program management, including the following services:

• Card transactions monitoring;
• 2nd line support;
•  Full-time account manager;
•  Fraud, risk and AML monitoring;
•  Mastercard annual registration (split monthly);
• Regular system updates & accounts reporting;

Technical Integration

• API connection with your website to submit account, opening forms
• Redesigning and registration of your mobile app in AppStore and Google Play (mobile banking)
• Redesigning of online banking according to your corporate style
• Setting your tailor- made tariffs for future clients
• Development of additional functionality required for your business model

Contact Regulated United Europe for an individual offer based on your project.