Card issuing orchestration via BIN sponsors
BearlaPay orchestrates card issuing through regulated BIN sponsors while providing lifecycle operations, controls and funding flows from wallet balances.
Standardized operations across card programmes
Issue, activate, freeze, block, and replace
Configure limits and merchant restrictions
Stream events for monitoring and integration
BearlaPay standardises the operational layer across card programmes. BIN sponsors provide issuer rails and scheme programme requirements, while BearlaPay normalises issuance, controls, monitoring and reporting across tenants so you can scale without multiplying programme complexity.
One consistent operational model across all card programmes, regardless of the BIN sponsor or scheme requirements.
Normalize issuance, controls, monitoring and reporting across tenants while maintaining programme-specific requirements.
Issue, activate, freeze, block and replace cards through a single workflow model.
Configure spend controls and merchant category restrictions, support tokenisation patterns, and stream events in real time for downstream systems and operational monitoring.
Create virtual or physical cards programmatically with full customization
Enable cards for use with configurable activation requirements
Freeze, block, or replace cards through unified workflows
Real-time events and status updates for operational visibility
Use wallet balances for just-in-time funding, automated top-ups and per-tenant limit models while keeping operational controls consistent across tenants and programmes.
Automatically fund cards from wallet balances when transactions occur, optimizing capital efficiency.
Configure automatic top-up rules to maintain card balances based on usage patterns and thresholds.
Set custom spending limits and controls per tenant while maintaining consistent operational workflows.
BearlaPay provides lifecycle operations, controls, eventing and reporting. Partners provide issuer BINs, production, programme configuration, scheme compliance and chargeback processing.