FuncCards
FuncCards is a Swiss-based EMI-licensed platform that issues virtual Visa and Mastercard cards with high-trust BINs for digital ad media buyers, crypto exchanges and wallets, and B2B partners via REST API and a Telegram-first onboarding flow.
- Company typePrivate
- Founded-
- HeadquartersZug, Switzerland
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What FuncCards does
FuncCards (legally FuncCards Association) is a Switzerland-domiciled, Zug-based virtual payment card platform that issues Visa and Mastercard-branded cards to individuals, SMBs, and B2B partners, operating under an Electronic Money Institution (EMI) license with PCI DSS and PSD2/3D Secure compliance. Its core technology stack combines instant virtual card issuance (via web dashboard or REST API), bulk card generation, multi-currency wallet management (USD, EUR, GBP, USDT, USDC), and a 24/7 crypto-to-fiat liquidity gateway that converts stablecoin balances to fiat at the moment of funding. The platform's principal differentiator is curated, high-trust Bank Identification Number (BIN) inventory specifically tuned for advertising networks (Meta, Google, TikTok, Bing) — designed to minimize "Risk Payment" declines and account bans that plague generic card programs serving media buyers.
Distribution is overwhelmingly product-led and Telegram-native: the @funccards_assistant_bot and an embedded Telegram Mini App serve as the primary onboarding, top-up, and card-management surface, while a public REST API and white-label program (BaaS) enable fintechs, exchanges, and SaaS platforms to embed FuncCards card issuance under their own brand. An affiliate/referral channel extends indirect distribution to accountants, consultants, and SaaS resellers. Security is addressed through KYC/AML onboarding, tokenization, AES-256 encryption, AI-driven fraud monitoring, and SCA-compliant 3D Secure flows.
Monetization is usage-based: FuncCards charges a per-card issuance fee of $1/€1, top-up/load fees starting at 2.5% (including for crypto-funded loads), and recurring revenue from white-label licensing and affiliate commissions; no monthly platform fee is published, and pricing is individualized by customer volume. The company self-reports 15,000+ cards issued, 200,100+ transactions processed, and 2,500 clients and teams served, serving primary segments including digital marketing agencies, crypto exchanges and wallets, SaaS subscription management, payroll and gig platforms, e-commerce payouts, and loyalty programs.
FuncCards firmographics
Firmographics- Name
- FuncCards
- Legal name
- FuncCards Association
- Website
- https://funccards.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- FuncCards is a Swiss-based EMI-licensed platform that issues virtual Visa and Mastercard cards with high-trust BINs for digital ad media buyers, crypto exchanges and wallets, and B2B partners via REST API and a Telegram-first onboarding flow.
- Ownership category
- akta.pro rank
FuncCards industry classification
Industry- Product category
- Virtual Card Issuance Platform
- NAICS
- Credit Card Issuing (522210), Credit Card Issuing (52221), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199), Personal Credit Institutions (6141)
- akta.pro primary industry
- Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid) (FSADAIAC)
- akta.pro secondary industries
- Virtual Card & Tokenization Schemes (FSAMAAAG), Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB), Virtual Prepaid & Single-Use / Tokenized Cards (FSAMANAJ), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), BNPL Card / Virtual Card Programs (FSAKACAC), Digital Gift Cards, Vouchers & Stored-Value (Crypto) (FSADAIAN)
Keywords
Where FuncCards is headquartered
LocationHeadquarters
- HQ city
- Zug
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
FuncCards business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Card Issuance Fees: Fee charged per virtual card issued. Cards can be issued individually or in bulk.
- Top-up/Load Fees: Percentage fee on balance top-ups, currently from 2.5% when loading funds onto cards via crypto (USDT/USDC) or other methods.
- Platform Services (Affiliate/White-label): Revenue from B2B white-label card programs and affiliate partnerships where partners earn recurring commissions for referring clients or embedding card infrastructure.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Pay-as-you-go | Individual pricing and terms based on volume |
| Usage-based | Pay-as-you-go | Top-up fee from 2.5% |
| Unit Pricing | Pay-as-you-go | Card issue fee 1 $/€ |
| Subscription | Monthly | Monthly fee: FREE |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
FuncCards product offering
Product offeringCore offering
FuncCards provides instant-issue virtual Mastercard and Visa payment cards funded via crypto (USDT/USDC) or fiat, with issuance and management through a Telegram bot, web dashboard, or REST API. Core card types include media-buying cards, business expense cards, prepaid, debit, and credit cards, alongside a white-label Banking-as-a-Service program for fintechs, exchanges, and SaaS platforms. The platform adds value through high-trust BINs for ad networks, bulk issuance, granular spending controls, AI fraud monitoring, and 24/7 crypto-to-fiat liquidity under an EMI license.
Product overview
FuncCards is a virtual payment card infrastructure platform offering a unified portfolio of card products and B2B payment solutions. The core offering includes Virtual Cards for Media Buying (optimized for ad platforms), Cards for Business (corporate expense management), and White Label Cards (BaaS for fintechs). These are supported by add-on modules including Expense Controls, API & Integrations, Telegram Bot & Mini App, Apple Pay, and Google Pay. Security features include Fraud Monitoring, 3D Secure & PSD2, KYC & AML, and Tokenization. The platform operates as an EMI (Electronic Money Institution) providing instant virtual card issuance with crypto-to-fiat funding via USDT and USDC, supporting USD and EUR currencies with multi-currency accounts.
Differentiator
Problem solved
Functional benefit
Brands
- Telegram Bot & Mini App: Integrated Telegram bot and mini application for card management and customer onboarding
Products and services
- Virtual Cards for Media Buying Virtual Mastercard/Visa cards optimized for advertising platforms (Meta, Google, TikTok, Bing) with high-trust BIN infrastructure designed to reduce payment flags and account suspensions for media buyers and agencies.
- Cards for Business Virtual payment cards for business expenses, online services, subscriptions, vendor payments, and team-controlled spending with real-time issuance and API integration.
- Prepaid Cards Prepaid virtual cards with isolated risk, MCC filtering for vendor restrictions, and dynamic funding for departmental budgeting and expense control.
- Debit Cards Virtual and physical debit cards linked directly to funded accounts with real-time balance control and multi-currency support (USD, EUR, GBP).
- Credit Cards Virtual credit cards with high-trust BINs and 3D Secure support for high-frequency transactions across multiple jurisdictions.
- White Label Cards Banking-as-a-Service (BaaS) solution enabling platforms and fintechs to issue branded payment cards under their own brand identity using FuncCards infrastructure.
- Telegram Bot & Mini App Telegram-based interface for card management, top-ups, support access, and account operations via the assistant bot (@funccards_assistant_bot) and support channel (@FuncCardsSupportBot).
Quantifiable outcome
- 15,000+ virtual cards issued
- +2 more outcomes
Companies that use FuncCards
Customer profileSegments6 records
Ideal customer profiles3 records
FuncCards technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability1 record
Feature7 records
FuncCards partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- VisacoreFuncCards issues virtual Visa cards as part of its card program. Cards operate on Visa payment network with support for 3D Secure 2.0 and global merchant acceptance.
- MastercardcoreFuncCards issues virtual Mastercard cards as part of its card program. Cards benefit from Mastercard's global payment network, security features, and acceptance infrastructure.
- EMI (Electronic Money Institution)coreOperates under EMI license ensuring regulatory compliance for electronic money issuance, card programs, and payment services across supported jurisdictions.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
FuncCards competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights7 records
Customer concentration
FuncCards social profiles
Digital presenceFuncCards compliance and trust
Trust signalCompliance3 records
FuncCards financial estimates
Financial estimateRevenue estimate
Valuation estimate
FuncCards leadership team
Management profileNumber of profiles
Profiles1 record
FuncCards funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FuncCards M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FuncCards
What does FuncCards do?
FuncCards provides instant-issue virtual Mastercard and Visa payment cards funded via crypto (USDT/USDC) or fiat, with issuance and management through a Telegram bot, web dashboard, or REST API. Core card types include media-buying cards, business expense cards, prepaid, debit, and credit cards, alongside a white-label Banking-as-a-Service program for fintechs, exchanges, and SaaS platforms. The platform adds value through high-trust BINs for ad networks, bulk issuance, granular spending controls, AI fraud monitoring, and 24/7 crypto-to-fiat liquidity under an EMI license.
Is FuncCards a public or private company?
FuncCards is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was FuncCards founded?
FuncCards was founded in -1. It employs 1 to 10 people.
Where is FuncCards based?
FuncCards is headquartered in Zug, Switzerland, in the Europe region.
How does FuncCards make money?
Three revenue lines are on record. Card Issuance Fees are the primary driver. The others are top-up/Load Fees and platform Services (Affiliate/White-label).
Does FuncCards have an API?
Yes. FuncCards offers API integration for developers and platforms. The platform enables REST API card issuance (virtual and physical), transaction webhooks for real-time notifications on clearing and settlement events, and ERP synchronization. The API supports KYB verification for automated legal entity onboarding, wallet creation for secure digital fund storage, and bulk card generation. Available via dashboard or API for near-instant issuance, allowing teams to start transacting within minutes of onboarding. Developer documentation is at funccards.com/api-integration.
What industry is FuncCards in?
FuncCards's product category is Virtual Card Issuance Platform. Its primary akta.pro industry code is FSADAIAC, Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid), with a secondary code of FSAMAAAG, Virtual Card & Tokenization Schemes. Its NAICS code is 522210 and its SIC code is 6200.