Launching a card program isn’t your core business. It’s ours. txn combines proven processing infrastructure with modern APIs and built-in agentic AI to make card issuing simpler, with total flexibility and control, so you can launch a card program with confidence.
Launch in weeks. Stay in control. Scale with confidence.
VISA Certified
€2.7bn+
99.99%
Every business launching or scaling a card program runs into the same obstacles before it even gets to market.
Why txn is different
Go to market quicker, earn revenue sooner
Launch in weeks, not months. The sooner your program is live, the sooner it starts paying for itself.
Full control through self-service
Run your own program, your way. Set permissions, adjust controls and evolve the program as your needs change, with our experts protecting and guiding you through every stage of your evolution.
Expertise built in
Card programs are our core business so they don’t have to be yours. We equip you with everything you need to launch, manage, innovate and scale with confidence.
Intelligence built in
AI is the multiplier that gets the best out of your program: a guided onboarding experience, analysis of potential opportunities and immediate answers when you need them.
Built for where you are.
Ready for where you're going.
txn helps start-ups build with scale in mind, gives scale-ups room to grow and provides established enterprises with the performance to handle high velocity and volume.
txn brings together modern APIs, a self-service Control Center, the Knowledge Hub and AI-powered guidance to reduce the cost, complexity and effort involved in launching and operating a card program.
What you get with txn
Intelligent developer and operator experiences
Sandbox access from day one
Faster, self-service integration and onboarding
Compliance guidance built into the experience
Proven processing foundations, designed for scale
Modern card issuing, made simple.
Reliable at scale. Built for confidence.
txn’s processing reliability is proven at scale, delivering 99.99% uptime, PCI DSS compliance and Visa certification, so you can build products your customers trust.
API-enabled from the start
Clean, well-documented APIs and sandbox access from day one. Test and integrate in a self-service environment designed to shorten the route to launch.
Intelligence built in
AI-powered guidance helps teams understand configuration choices, identify relevant requirements and flag potential issues and opportunities. Your team remains in control at every step.
One platform. Every stage of card issuing.
One platform. Every stage of card issuing.
The new standard for card issuing.
Card Issuing FAQs
Common questions businesses ask when evaluating card issuing platforms.
How long does it take to launch a card programme?
Launching a card programme can take anywhere from several months to more than a year when businesses need to build infrastructure, manage compliance and coordinate multiple integrations from scratch.
Platforms like txn reduce this timeline significantly by providing pre-built issuer-processing infrastructure, APIs and compliance support designed to help teams launch in weeks rather than months.
Do businesses need a banking licence to launch card programmes?
Many modern card issuing platforms allow businesses to launch card programmes without becoming licensed banks themselves. This is typically achieved through Banking-as-a-Service (BaaS) infrastructure and regulated issuer partnerships.
txn is built to support fintechs, embedded finance businesses and payment platforms that want to launch card products without managing issuer-processing infrastructure internally.
What should businesses look for in a card issuing platform?
Businesses evaluating card issuing platforms typically look at infrastructure reliability, API quality, compliance support, scalability and implementation speed. Developer experience and operational control have also become increasingly important for modern fintech and embedded finance products.
txn combines proven issuer-processing infrastructure with APIs, self-service tooling and AI-assisted operations designed for technical teams.