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Licensed White-Label Partners
Cardfornia is a technology company. Our cards are issued and processed through established white-label card providers that hold the licences and registrations for regulated payment, money-service and card-issuing activities. Cardfornia builds the product and the experience on top; the regulated activities stay with the licensed providers.
What Our Providers Do
Card Programmes on Major Networks
Our providers run the card programmes behind Cardfornia cards: BIN sponsorship and issuing through licensed institutions, authorisation, settlement and cardholder services.
Regulated Payment Flows
Funding, conversion and payout flows run under the money-service and payment licences that our providers hold in each jurisdiction.
KYC, KYB & AML Controls
Identity checks, business verification, sanctions screening and transaction monitoring follow the providers’ regulated compliance programmes.
Industry-Grade Card Data Protection
Card data is handled in PCI DSS-validated environments, with regular independent audits.
Provider A — Licences & Registrations
A global payment provider with licensed entities in Hong Kong, the United Kingdom, the United States, Canada, the UAE and Poland.
Money Service Operator (MSO)
Regulator: Customs & Excise Department
Trust or Company Service Provider (TCSP)
Regulator: Companies Registry
Regulated Activities Type 1, 4, 9
Regulator: Securities and Futures Commission (SFC)
Money Lender’s Licence
Regulator: Licensing Court
Authorised Payment Institution (API)
Regulator: Financial Conduct Authority (FCA)
Money Services Business (MSB)
Regulator: FinCEN
Money Transmitter Licences (multi-state)
Regulator: State regulators
Money Services Business (MSB)
Regulator: FINTRAC
Category 3D Licence
Regulator: Dubai Financial Services Authority (DFSA)
Small Payment Institution
Regulator: Polish Financial Supervision Authority (KNF)
Provider B — Licences & Registrations
A card-issuing provider focused on Visa card programmes, registered in the United States and Canada.
Money Services Business (MSB)
Regulator: FinCEN
Money Transmitter Licensing (state level)
Regulator: State regulators
Money Services Business (MSB)
Regulator: FINTRAC
Visa Program Manager
Runs Visa card programmes, including issuing BINs, risk, reporting and cardholder services.
PCI DSS Level 1
Validated to the Payment Card Industry Data Security Standard at Level 1, with an annual audit of the cardholder data environment.
Licence details are published by our providers on their own compliance pages and are subject to change. Cardfornia is not itself a licensed financial institution.
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