ViaCarte Inc

What ViaCarte Inc does

ViaCarte Inc is a Panama-based, privately held payment infrastructure provider licensed as a Principal Member of both Visa and Mastercard networks. Operating as a subsidiary of Financiera Via Carte, the company delivers an API-first white-label platform that enables banks, fintechs, and enterprises across Latin America and the Caribbean to launch branded card, wallet, and benefit programs without building payment infrastructure in-house. Its core technology stack supports physical and virtual card issuance, multi-currency wallets across 135+ currencies, tokenized payment security (NebuPay), fraud monitoring, AML/KYC compliance automation, and 3-D Secure authentication, all integrated via documented REST APIs (Postman library) and a centralized Management Portal.

The product portfolio spans the Modular Program (configurable card type, currency, funding, and benefits packages), Virtual Cards, the QuattroHub white-label mobile and web application, the Identicate identity protection suite (co-developed with Norton and Lloyds of London), and specialized cards including Hybrid Bank Card and Quantum Metal Card with limits up to USD 500,000. ViaCarte generates revenue through a combination of white-label licensing fees, per-card issuance fees, transaction processing fees, and recurring platform/API service fees, primarily via multi-year enterprise contracts and channel partnerships. It targets banking, wealth management, fintech, insurance, crypto (via Delchain), travel/hospitality, real estate, and underbanked segments across LATAM and the Caribbean, with active expansion into Mexico, Colombia, Chile, Brazil, and selective EMEA markets including South Africa and Spain, and a new regional office in Nassau, Bahamas opened August 2024.

Name

ViaCarte Inc

Legal name

Via Carte Inc.

Website

https://viacarte.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

51–100 employees

Short description

ViaCarte is a Panama-based Visa and Mastercard Principal Member providing API-first white-label card issuance, multi-currency wallets, and identity protection to banks, fintechs, and enterprises across Latin America, the Caribbean, and select EMEA markets.

Ownership category

akta.pro rank

Product category

Payment Infrastructure

NAICS

Credit Card Issuing (522210)

SIC

Finance Services (6199)

akta.pro primary industry

Card Issuing Platforms (Issuer Processing) (FSAGABAD)

akta.pro secondary industries

Card Issuing & Program Management Platforms (BPAMAFAH), Cross-Border & FX Payments Platforms (BPAMAFAK), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• White-label card issuing
• Payment infrastructure APIs
• Multi-currency digital wallets
• Visa Mastercard principal member
• Fintech card programs

Headquarters

HQ city

Panama City

HQ country

Panama

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. White-Label Card Program Licensing: ViaCarte provides white-label card, wallet, and benefit programs to banks, fintechs, and enterprises under Visa and Mastercard licensing. Revenue is generated through program setup fees, per-card issuance fees, transaction fees, and ongoing platform/service fees.
2. Transaction Processing: Revenue from processing electronic payment transactions across physical and virtual cards, multi-currency wallets, and cross-border payment flows for partner financial institutions.
3. Platform and API Services: API integration and platform management services for enterprise clients, including the Management Portal, treasury account management, and compliance automation.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

ViaCarte operates an API-first white-label payment platform licensed by Visa and Mastercard as a Principal Member, enabling banks, fintechs, and enterprises to issue branded physical and virtual cards, deploy multi-currency digital wallets, and offer modular benefit programs across 100+ countries. The platform combines programmable card issuance with embedded AML/KYC compliance, fraud monitoring, tokenization, and digital wallet integration (Apple Pay, Google Pay) for cross-border payments.

Product overview

ViaCarte is an API-first white-label payment platform offering physical and virtual card issuance, digital wallet functionality, and benefits management across global jurisdictions. The platform operates as a modular ecosystem comprising the Modular Program (configurable card programs), Virtual Cards (digital payment access), NebuPay (tokenized digital wallet), the QuattroHub App (customer-facing mobile/web interface), Management Portal (administrative controls), and Identicate (security suite). Licensed as a Visa and Mastercard Principal Member, ViaCarte enables banks, fintechs, and enterprises to deploy branded card, wallet, and benefit programs with real-time oversight, multi-currency support, and compliance automation across 100+ countries.

Differentiator

Problem solved

Functional benefit

Brands

• NebuPay: ViaCarte's secure digital wallet designed to bring card, balance, and account management together in one platform for global use.
• QuattroHub
• Identicate
• Dual Interface

Products and services

• Virtual Cards Digital-only cards issued instantly via ViaCarte's app platform, available with custom or ready-made designs. Serve as a secure bridge to ViaCarte's upgraded payment ecosystem, enabling digital access for online payments with tokenization and 3-D Secure protection. Targeted at banks, fintechs, and enterprises white-labeling card programs.
• Modular Program A turnkey yet tailored card program where businesses choose modular components including card type (debit/credit), currency type (single/multi/currency/cryptocurrency), funding type (treasury/IBAN/bank direct), and benefits type (travel/shopping/identity protection/theft protection). Designed for banks, fintechs, and enterprises launching white-label card programs.
• NebuPay Digital Wallet ViaCarte's tokenized issuer digital wallet that connects Visa-issued cards to a secure platform for global use, featuring tokenization, biometric authentication, and acceptance in 150+ countries and 135+ currencies. Protects card data through tokenization. Targeted at partner financial institutions and their cardholders.
• Identicate Proactive identity and privacy protection suite providing 24/7 dark web monitoring, data breach alerts, AI-driven risk scoring, and insured fraud protection (up to $25,000 cyber loss of funds coverage). Developed in partnership with Norton, Lloyds of London, and Digimune. Offered to cardholders of partner institutions.
• Management Portal Centralized platform for program managers to control card issuance, client onboarding, KYC verification, treasury account funding, wallet and card management, and real-time reporting. Designed for enterprise program managers and financial institution administrators.
• QuattroHub App White-label mobile and web application for cardholders providing onboarding, card management, wallet management, fund transfers, benefits access, multi-language support, and digital wallet integration (Apple Pay/Google Pay). Available on iOS App Store and Google Play. Customizable for partner institutions.
• API Integration Library Full or partial feature integration via APIs enabling seamless connectivity to client platforms, ERP systems, and treasury dashboards. Documentation available via Postman. Targeted at enterprise and fintech developer teams evaluating programmatic card issuance.
• Card Issuance (Physical Cards) Physical card issuance including Hybrid Bank Card (combines prepaid and credit acceptance), Dual Interface Contactless cards with chip-and-tap functionality, and Quantum Metal Cards (premium option with limits up to $500,000 USD). Offered to banks, fintechs, and enterprises as white-label programs.

Quantifiable outcome

• Tokenized payment frameworks shown to reduce fraud by up to 60%
• +2 more outcomes

Named customers9 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature12 records

Partnerships

13 partnerships are on record, tiered core, supporting, flagship and major.

• Norton (Cybersecurity)coreTechnology or Integration · 21 August 2024ViaCarte partnered with Norton, a global pioneer in cybersecurity, to develop Identicate™ — a proactive identity protection solution for cardholders. Norton provides endpoint protection, cybersecurity awareness training (phishing/ransomware prevention), and integrated threat intelligence to the Identicate™ security suite.
• Lloyds of LondoncoreTechnology or Integration · 21 August 2024Lloyds of London partnered with ViaCarte on Identicate™, providing financial insurance coverage including cyber loss of funds coverage up to $25,000, risk modeling, and Lloyd's-backed insurance safeguards for cardholder protection.
• Bahamas (Government / Regulatory)supportingOthers · 13 August 2024ViaCarte opened a new Caribbean regional office in Nassau, Bahamas in August 2024. The Bahamas government endorsed ViaCarte as a cutting-edge fintech provider stimulating the economy and creating jobs, with Managing Partner Ty Forbes highlighting the country's embrace of new payment technologies.
• DelchainflagshipStrategic or Co-development Partner · 14 February 2022ViaCarte partnered with Delchain (the largest bank-owned crypto exchange in Latin America and the Caribbean, regulated under The Bahamas' DARE Act) to bridge digital assets with card payments. The partnership enables Delchain clients to use digital currency in real time via ViaCarte's eWallet and bespoke card programs including Quantum Metal Cards.
• Pensio GlobalcoreStrategic or Co-development Partner · 31 January 2022ViaCarte partnered with Pensio Global, a credit risk consulting firm specializing in property management risk programs, to facilitate contract payments via virtual cards tied to crypto or FIAT wallets. Members can settle program fees using ViaCarte cards and earn rewards on luxury travel, entertainment, and fine dining.
• Deltec Bank & Trust LimitedflagshipOEM/ Whitelabel/ Licensing Partner · 2 March 2021ViaCarte partnered with Deltec Bank & Trust (70+ years operating in the Bahamas) to offer Hybrid Card and eWallet Solutions. Deltec Bank clients gained access to Dual Interface™ Contactless cards with on/off control, balance verification, and fund transfer capabilities.
• West End DevelopmentcoreStrategic or Co-development Partner · 26 January 2021ViaCarte partnered with West End Development (Nassau, Bahamas) to enable luxury property purchases using digital assets. West End clients receive ViaCarte's platinum card with ViaConcierge access to fine dining, entertainment, and travel privileges, alongside insurance-protected purchases and VIP rewards.
• EQIBankflagshipOEM/ Whitelabel/ Licensing Partner · 17 November 2020ViaCarte partnered with EQIBank (one of the world's leading digital banks) to offer the Global Secured Credit Card with Hybrid Bank Card technology, eWallet, and insurance benefits to clients in over 180 countries. ViaCarte enables EQIBank to provide unique credit and debit card services with a modern digital experience.
• Caye International BankflagshipOEM/ Whitelabel/ Licensing Partner · 4 November 2020ViaCarte provides Caye International Bank (Belize) with its Multi-Card Issuing Platform, Dual Interface™ Contactless technology, and eWallet services. The partnership introduced the Hybrid Bank Card connected to a travel booking engine, exclusive hotel and auto rental discounts, and a Global Insurance Claims Module. ViaCarte's Senior Regional Business Development Executive Officer Eleuren Méndez described this as a key milestone attracting high-potential partners to the ecosystem.
• Mas Me DanmajorOEM/ Whitelabel/ Licensing Partner · 7 October 2019ViaCarte partnered with Mas Me Dan, Panama's leading pawnshop chain with 40+ stores and 650,000+ customers since 1986, to launch a prepaid card platform, ATM withdrawal services, and a complete transaction ecosystem serving the financial assistance market.
• Nacional de SegurosmajorOEM/ Whitelabel/ Licensing Partner · 24 September 2019ViaCarte signed an MoU with Nacional de Seguros (NASE), a leading Panamanian insurance company serving Central America with operations in Panama and Colombia. The partnership provides prepaid card programs, mobile wallets, rewards & benefits platform, and emergency cash assistance to more than 400,000 insurance policyholders.
• SolubeneficiosmajorStrategic or Co-development Partner · 24 April 2019ViaCarte partnered with Solubeneficios (a multinational financial services and technology group) along with Silver Solutions to provide a unique payment and benefits platform covering 500,000+ banked and unbanked members across LATAM and the Caribbean. The platform enables loyalty rewards, data package top-ups, and virtual prepaid card access.
• DigimunecoreTechnology or IntegrationDigimune provides dark web monitoring, phishing detection, and social media threat detection integrated directly into ViaCarte's Identicate™ monitoring suite.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Adyen: Global payments platform providing unified acquiring, issuing, and processing for large enterprises. Comparable as a broad incumbent offering issuing capabilities as part of a wider portfolio, though focused primarily on merchant acquiring rather than white-label issuance to banks.
• Paysafe: Specialized payments platform offering prepaid cards, eWallets, and card-issuing services with strong focus on underbanked and emerging-market consumers. Comparable white-label prepaid and wallet capabilities to ViaCarte's eWallet and prepaid card programs.
• Circle: USDC issuer and regulated digital-asset infrastructure platform that also operates card and treasury products. Comparable in the niche of crypto-to-FIAT card bridging and USDC-linked issuance, which overlaps with ViaCarte's Delchain-related offerings.

Direct peers

• Stripe Issuing: Stripe's embedded card-issuing product. Comparable because it offers API-first virtual and physical card issuance, KYC/AML automation, and real-time controls for fintechs and platforms — the same core use cases ViaCarte serves with its Modular Program.
• Galileo Financial Technologies: Payment processing platform (now a SoFi subsidiary) providing card issuing, transaction processing, and program management APIs. Closely mirrors ViaCarte's white-label B2B issuance stack targeting banks, fintechs, and corporates.
• Marqeta: Leading US-headquartered card-issuing API platform serving fintechs and banks. Most directly comparable to ViaCarte as both operate issuer-processing infrastructure licensed by Visa/Mastercard with white-label program management, multi-currency support, and embedded controls.
• Lithic: Modern card-issuing infrastructure provider offering APIs for virtual and physical card creation, with focus on fintechs and embedded finance use cases. Comparable as a developer-first, API-led issuing platform targeting similar enterprise clients.

Emerging players

• BitPay: Cryptocurrency payment processor offering crypto-to-card and crypto-to-FIAT settlement. Comparable in the niche overlap where ViaCarte's Delchain partnership bridges digital assets with card payments, including bespoke metal card programs.
• Solid (acquired by Wise): Card-issuing API platform focused on fintechs and digital banks, with strong cross-border and multi-currency emphasis. Comparable in target customer (digital banks, neobanks) and product overlap (programmable cards, multi-currency wallets).
• Pismo: Cloud-native payment processing platform acquired by Visa. Comparable because it offers issuer and transaction processing APIs to banks and fintechs, overlapping with ViaCarte's API-first payment infrastructure for financial institutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/ViaCarte
• Facebookfacebook.com/ViaCarte
• LinkedInlinkedin.com/company/viacarte
• Instagraminstagram.com/viacarte

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ViaCarte Inc