Launch branded card programmes, without the complexity
Enable your customers to spend and manage money through payment cards issued under your brand. Choose our API, a fully branded white-label platform, or a hybrid approach to deliver secure, scalable card experiences.
Everything your customers need to spend
Modern card experiences should be intuitive, reliable, and built around the way your customers do business. From instantly issued virtual cards and branded physical cards to granular spend controls, multi-currency spending, and digital wallet support, Equals provides the functionality to power every stage of the card journey.
Virtual cards
Issue virtual cards instantly and at scale, giving your customers immediate access to secure, ready-to-spend payment cards.
Physical cards
Order and deliver branded physical cards to your customers, with control over design, distribution, and activation.
Spend controls
Set spending limits, restrict merchant categories, and manage card permissions to give your customers confident control over every transaction.
Multi-currency spending
Let your customers spend in multiple currencies from a single card, drawing on multi-currency balances and helping reduce unnecessary FX conversions.
Digital wallet support
Add cards to Apple Pay and Google Pay for seamless, secure spending across devices, in store and online.
Real-time authorisations
Approve or decline transactions in real time through configurable authorisation controls, giving you visibility over spend as it happens.
Flexible card infrastructure, built around your business
Every business has different technical requirements, customer journeys, and product ambitions. Whether you're launching a new card proposition or expanding an existing platform, Equals gives you the flexibility to deliver card experiences that evolve alongside your business.
- Built for scale
From issuing a single card to managing large-scale card programmes, our infrastructure scales alongside your platform and your customers.
- Compliance built in
Integrated transaction monitoring, sanctions screening, and fraud controls help support your compliance framework while reducing operational complexity.
- Designed to integrate
Connect card capabilities with your wider platform, workflows, products, and customer journeys.
Choose the deployment model that works for you
Whether you're looking for complete flexibility, the fastest route to market, or a balance of both, Equals gives you the freedom to deliver card experiences in the way that best fits your business.
API
Build completely bespoke card experiences using our powerful API. Integrate card issuing and management directly into your own platform while maintaining full control over the customer experience.
White label
Launch a fully branded card programme powered by Equals. Deliver enterprise-grade card capabilities under your own brand without building card infrastructure from scratch.
Hybrid
Combine API integration with white-label capabilities to create the right balance of speed, flexibility, and customisation as your platform, product, or proposition evolves.
One connection, all the answers. Endless possibilities.
Whether your customers are managing expenses, controlling team spend, paying for services, or spending internationally, Equals provides the underlying infrastructure that powers all your card needs.
- Virtual & physical cards
- Configurable spend controls
- Multi-currency spending
- Digital wallet support
- Real-time authorisations
- Secure card workflows
Expand beyond cards
Cards are just one part of our complete embedded financial infrastructure. Extend your offering with additional capabilities, all delivered through the same trusted technology.
Global payments
Move money domestically and internationally through trusted local and global payment rails, supported by integrated FX.
Learn more →Global accounts
Provide named multi-currency accounts and generate virtual IBANs on demand.
Learn more →Treasury & FX
Support international businesses with integrated foreign exchange and risk management solutions.
Learn more →Embedded API
Access cards, payments, accounts, and additional embedded financial capabilities through a single integration.
Learn more →
Power the next generation of card experiences
Whether you launch through our API, a fully branded white-label platform, or a hybrid approach, Equals gives you the flexibility to deliver powerful card functionality through a single connection.
How we safeguard your money
The money in the payment accounts held with Equals Money PLC is not covered by the Financial Services Compensation Scheme (FSCS). Instead, your money is protected via a safeguarding method in accordance with the Payment Services Regulations / E-money Regulations. Your money is held in specially designated, safeguarded bank accounts with Tier 1 banks, and is kept separate from our own funds.