B.E.S.T.

What B.E.S.T. does

B.E.S.T. Inc., doing business as B.E.S.T. and operating bestcardsolutions.com, is a US-based private fintech that delivers an integrated stack of card, mobile, web and hardware solutions. Its functional coverage includes debit Mastercard card issuance (either embedded in its own software or exposed via APIs), native mobile applications for iOS and Android with Apple Pay, Google Pay and Samsung Pay support, browser-based portals and payment applications built on .NET, REACT and ASP, and managed hardware (terminals, scanners and accessories). The company also maintains two parallel product brands: Zooyza, a mobile application platform, and CEMS, card and payment management software, the latter documented via a product PDF on the corporate site.

The platform is delivered through three discrete commercial models. White Label provides a fully rebranded turnkey build that B.E.S.T. operates under the partner's name and logo. Co-Tenant lets partners leverage specific features of the B.E.S.T. mobile app under dedicated business arrangements, without a full rebuild. The API Service exposes selected components — notably card issuing — for partners to integrate into their own software. The company is SOC Level 1 certified under AICPA standards for service organizations and has assembled an integration ecosystem anchored by FIS (card processing), Plaid (financial data), Berbix (identity verification) and Yodlee (data aggregation and analytics).

B.E.S.T. monetizes through a mix of software licensing (white-label and component licensing), transaction-based incentive card programmes targeted at both small and large businesses, and hardware resale. Its customer segmentation is horizontal across business size tiers rather than vertical, with pricing handled on a quote basis rather than published rates. Public commercial signals are limited: no disclosed revenue, headcount, funding rounds, named customers or management team have been published, and the website and a single LinkedIn presence are the principal marketing channels.

Name

B.E.S.T.

Legal name

B.E.S.T. Inc.

Website

https://bestinc.net

Company type

Private

Founded year

1982

Operating status

Operating

Short description

B.E.S.T. Inc. is a US-based private fintech providing debit Mastercard issuance, branded mobile and web applications, and managed hardware to small and large businesses via White Label, Co-Tenant and API delivery models.

Ownership category

akta.pro rank

Product category

Card Issuing Software

akta.pro primary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

akta.pro secondary industries

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

Keywords

• Card issuing software
• White label fintech
• Debit card programs
• Payment processing APIs
• Mobile payment applications

Headquarters

HQ city

Des Plaines

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Supply Chain, Marketing or Sales

Revenue model

1. Software Licensing/White Label: B.E.S.T. builds and provides white label software solutions with customer company branding for deployment to end clients.
2. API/Component Licensing: Customers can pick specific software components and integrate them into their own software via APIs.
3. Incentive Card Programs: Card programs designed for both small and large businesses, with specific card programs tailored to business needs.
4. Hardware Sales: Sale of terminals, scanners, and accessories to support deployed software solutions.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels2 records

Core offering

B.E.S.T. Inc. provides fintech infrastructure including white label and co-tenant mobile/web applications, API-based payment components, debit Mastercard card issuing, and supporting hardware such as terminals and scanners. The company serves both small and large businesses through multiple engagement models including fully branded software deployment, API-first component integration, and shared mobile app features.

Product overview

B.E.S.T. is a fintech company offering an integrated suite of payment and card solutions. The core portfolio consists of White Label (full custom-branded software), Co-Tenant (shared mobile app features), API Service (component-based integration), and Incentive Cards (customizable card programs). These are supported by Mobile Apps (Android/iOS with wallet support), Web Apps (.NET/REACT/ASP portals), Card Issuing (debit Mastercard), and Hardware (terminals/scanners). The company also markets sub-brands including Zooyza app and CEMS software. The architecture is a platform-plus-modules model where clients can access shared infrastructure (Co-Tenant), receive fully branded turnkey solutions (White Label), or selectively integrate components (API Service) based on their technical capabilities and branding requirements.

Differentiator

Problem solved

Functional benefit

Brands

• Zooyza: Mobile application platform offered as a product solution, with website at zooyza.com
• CEMS

Products and services

• White Label Fully branded software solution where B.E.S.T. builds the same version of their software with the client's company name, logo, and complete branding for deployment to the client's end customers.
• Co-Tenant Shared mobile app solution allowing clients to utilize specific features of B.E.S.T.'s mobile app with dedicated business opportunities and arrangements to boost audience engagement.
• API Service API-based integration allowing clients to select specific software components and integrate them into their own software systems, with support for card issuing via API.
• Incentive Cards Customizable debit Mastercard card programs designed for both small and large businesses, tailored to specific business needs.
• Card Issuing Debit Mastercard issuing services available either built into B.E.S.T.'s software or accessible via APIs for integration into customer systems.
• Zooyza Mobile application sub-brand offered by B.E.S.T. as a product solution, with its own website at zooyza.com.
• CEMS Card and payment management software sub-brand offered by B.E.S.T.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• FIScoreTechnology or IntegrationFIS (Fisglobal) is featured as an integration partner on B.E.S.T.'s integrations page. FIS provides financial technology infrastructure services.
• PlaidcoreTechnology or IntegrationPlaid is featured as an integration partner providing financial data connectivity services for the B.E.S.T. platform.
• YodleecoreTechnology or IntegrationYodlee is featured as an integration partner providing financial data aggregation and analytics services for the B.E.S.T. platform.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Stripe Issuing: API-based card-issuing product from Stripe that lets platforms create branded debit and credit cards. Directly comparable to B.E.S.T.'s API Service + Card Issuing offering for developer-oriented customers.
• Unit: Embedded banking-as-a-service platform providing accounts, cards, lending, and APIs for software companies. Comparable to B.E.S.T.'s combined embedded payments + card-issuing + API stack.
• Marqeta: Direct API-first card-issuing processor powering debit and prepaid programs for fintechs and enterprises. Compares to B.E.S.T. on API-driven debit Mastercard issuance for embedded use cases, though with a vastly larger public footprint.
• Galileo Financial Technologies: SophiaGPT-powered processing and card-issuing platform used by neobanks and enterprises for debit and credit programs. Closely comparable to B.E.S.T.'s issuing + APIs + mobile app stack, especially on white-label programs.
• Treasury Prime: BaaS platform connecting fintechs to bank partners for accounts, cards, and payments via APIs. Overlaps with B.E.S.T.'s API Service plus white-label bank-adjacent capabilities.
• Highnote: Embedded payments platform offering card issuing, ledgering, and developer APIs for fintechs and brands. Compares to B.E.S.T. on API-first issuing with white-label and co-branded program patterns.
• Lithic: Developer-focused card-issuing API provider supporting virtual and physical card programs, including incentive and corporate use cases. Overlaps with B.E.S.T.'s API-first debit-issuing capability.
• Finix: Payments infrastructure for platforms offering embedded card acceptance and disbursements. Comparable to B.E.S.T.'s embedded payments and white-label software positioning for platform customers.

Others

• Plaid: Financial data connectivity and account-linking provider that B.E.S.T. integrates with. Adjacent ecosystem participant rather than direct competitor, but shapes the data and connectivity standards B.E.S.T. relies on.

Broad incumbents

• FIS Global: Large incumbent financial technology provider offering core processing, card services, and digital banking. An integration partner of B.E.S.T. and a broad incumbent in the same fintech infrastructure category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bestcardsolutions

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 B.E.S.T.