Build a card directly into your product
Offer branded cards on Visa, Mastercard, or American Express, from right inside your product. Lead handles BIN sponsorship, issuing, and network settlement, so you can embed cards without becoming a network member.
Challenge
You want to put a branded card directly into your product. But making that card work requires a BIN sponsorship, card network settlement, and, for credit and charge products, origination of the underlying receivable. Sourced independently, that's a sponsor bank, a lender, and network membership, splitting accountability across vendors. And you need all of it to run smoothly behind the scenes so the card feels like a native part of your product.
Solution
Whether you want to embed a commercial credit card for business users, a benefits card, or a spend card for a specific marketplace, Lead can provide the banking infrastructure behind your program. Through our principal memberships with Visa, Mastercard, and American Express, we sponsor the BIN, handle network settlement, and originate the receivable for credit and charge programs. With everything under one charter, you can embed cards into your product without becoming a bank or network member, and expand into new card types as your product grows. Your brand stays front and center while Lead handles the regulated banking responsibilities underneath.
