What is a card programme manager? Who runs a branded card behind the scenes
By SendPay Business · · 2 min read
- 1Your card appears in your app
- 2Tap it to pay in a shop
- 3See every payment as it happens
A card programme manager is the company that designs, launches and runs a card programme on behalf of a brand. The brand's name goes on the card, while licensed partners issue it and move the money behind the scenes.
Who does what in a card programme
Tap to explore
Tap each one to see what it means.
The brand
owns the customers and the look of the card.
The programme manager
builds and runs the programme day to day.
The issuer (or BIN sponsor)
the licensed firm that issues the card.
The card scheme, such as Visa
runs the network the card is used on.
The processor
handles each card payment as it happens.
What a programme manager handles
Card design and ordering, customer sign-up checks, the app or dashboard where cards are managed, spending controls, and support when cards are lost or payments are disputed.
Try it
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Colour
What it does
Design and preview your whole platform free, then launch when you are ready.
What it costs
Costs usually include setup, a charge per card issued, and ongoing fees. Physical cards cost more than virtual ones because they have to be printed and posted.
Where SendPay fits
SendPay platforms include branded Visa cards under your own name, powered by licensed partners. SendPay tells you in writing which licences apply to your platform before you launch.
How it works
Your own money app- 1Name it and pick your colours
- 2Choose what it does
- 3Launch when you are ready
Why sign up
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- 💳Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
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- 🚀Your own financial platformDesign and preview your whole platform free, then launch when you are ready.
SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.
Questions people ask
What would my own card programme earn?
Work out card costs, card income and first-year profit from your own numbers.
Card issuing profit calculator →Read next
Spotted a mistake or something out of date? and we'll fix it. How our guides are made
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.