Launch Your Card Program. Without Becoming a Bank.
As a Mastercard Principal Issuer, Kobble provides BIN Sponsorship — giving you scheme access, card issuing, and program management under our regulatory umbrella.
What is BIN Sponsorship?
A BIN (Bank Identification Number) is the first 6–8 digits of a card number that identifies the issuing institution. Issuing cards on Mastercard requires a BIN and direct scheme membership — a process that costs significant time, capital, and regulatory overhead. BIN Sponsorship lets you skip that. Kobble, as a Mastercard Principal Issuer, sponsors your program under our membership.
Everything you need to run a card program
From scheme access to ongoing management, under one regulatory umbrella.
- Mastercard Principal Issuer BIN access
- Program setup and scheme certification
- Card issuing (prepaid, debit — physical and virtual)
- Compliance oversight (AML, KYC, transaction monitoring)
- Settlement and reconciliation
- Apple Pay / Google Pay provisioning
- Ongoing scheme reporting
- Program management support
- Scalable: pilot to millions of cards
Built for teams that need cards, not a bank
BIN Sponsorship is ideal for organisations that want to issue cards without the cost and complexity of direct scheme membership.
Differentiators
Full-stack BaaS, Australian regulation, and real infrastructure — not just scheme access.
Full-stack BaaS
BIN + ledger + payments + compliance + wallets in one
Australian-regulated
AFSL + AUSTRAC
Powered by Kobble Core
Real infrastructure, not just scheme access
Speed
Pilot programs live in weeks
Ready to launch your card program?
Discuss your requirements with the Kobble team. We'll map your program to our BIN Sponsorship offering and provide a tailored proposal.