Your brand on a Mastercard, live in weeks
Launch a branded Mastercard prepaid or debit card program for any use case -- corporate expense, rewards, salary packaging, or consumer prepaid. Kobble is the Principal Issuer, so you get direct network access without an intermediary.
What you are up against
Common barriers to launching and scaling financial products in this space.
Complex Mastercard onboarding
Becoming a card issuer typically requires direct Mastercard agreements, BIN sponsorship arrangements, and months of compliance and technical certification.
Fragmented vendor landscape
Card issuing, digital wallet provisioning, transaction processing, and compliance each require separate vendors, contracts, and integrations.
Slow time to market
End-to-end card program launches typically take 12-18 months when stitching together multiple providers and navigating regulatory approvals.
Compliance burden
KYC/AML requirements, AUSTRAC reporting obligations, and transaction monitoring need significant investment in people, process, and technology.
How Kobble helps
Purpose-built infrastructure that removes complexity so you can focus on your product.
Mastercard Principal Issuer
Issue prepaid and debit Mastercard cards -- physical and virtual -- under Kobble's Principal Issuer licence. No BIN sponsor required.
Push & Web Provisioning
Provision cards to Apple Pay and Google Pay via push provisioning from your app, or offer a branded web provisioning flow for cardholders without a native app.
Granular Controls
Per-card spend limits, merchant category restrictions, geographic controls, and velocity limits. Configure once via API or adjust in real time.
3D Secure & Fraud Protection
Built-in 3D Secure authentication, AI-powered transaction monitoring, and real-time fraud scoring on every authorisation.
Real-time Authorisation
Sub-second authorisation decisions with real-time webhooks. Full control over approval logic, decline reasons, and cardholder notifications.
Multi-use-case Support
Corporate expense cards, consumer prepaid, salary packaging, gift cards, and rewards programs -- all from the same API.
Results you can plan for
Measurable impact when you build on the Kobble platform.
Recommended stack
The Kobble modules most commonly used for this solution.
Let's build your solution
Our team will map your requirements to the Kobble platform and provide a tailored proposal with architecture recommendations and timeline estimates.