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Paymentology

Card-issuing and processing APIs supporting Visa, Mastercard, UnionPay with instant virtual and physical card issuance.

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ZA Est. 2015 Active Payment Gateway / PSP

Our Verdict

Top-tier card issuing for fintechs going global, but clearly priced and scoped for enterprise teams.

Pros

  • Global issuing across Visa/MC/UnionPay
  • Instant virtual and physical cards
  • Strong BaaS infrastructure
  • Used by Revolut and Standard Bank

Cons

  • Issuer-only, not acquiring
  • Enterprise sales cycle required
  • Pricing opaque, volume-driven
  • Not suited to small startups
Best for: Fintechs scaling global card issuing with multi-network and multi-region coverage Not for: Startups needing acquiring, or small teams without volume commitments

When to Use Paymentology

Good fit if you need

  • Issuing virtual Visa/Mastercard cards instantly via API
  • Launching prepaid card programs on UnionPay rails
  • Physical card issuance for global fintech card products

Lock-in Assessment

High 2/5
Lock-in Score
2/5

Paymentology Pricing

Pricing Model
custom
Free Tier
No
Entry Price
Enterprise Available
No
Transparency Score

Beta — estimates may differ from actual pricing

1,000
1001K10K100K1M

Estimated Monthly Cost

$25

Estimated Annual Cost

$300

Estimates are approximate and may not reflect current pricing. Always check the official pricing page.

Community Discussion

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