A card program, from BIN sponsorship to disputes lifecycle.
Reference architecture for a greenfield card program. BIN sponsorship → activation → controls → disputes lifecycle. Issuer-of-record optional — works with a sponsor bank or with your own license. Virtual-first with physical card provisioning when you need it. For fintechs whose hero product is the card itself.
If the card is the product, the issuance program is the foundation.
Card-first fintechs (rewards programs, expense management, gig-worker payroll, neobanks) live or die on three things: BIN flexibility, controls granularity, and disputes UX. Cards as a product look simple from outside; the back-office is a multi-vendor multi-state-machine sprawl. Klyqo collapses the sprawl.
Cards are easy until they aren’t. Klyqo absorbs the “aren’t.”
The card lifecycle has eight states (issued, activated, blocked, lost, expired, replaced, terminated, disputed) and every state machine touches three or four vendors. Klyqo normalizes the lifecycle as journey definitions; vendor changes are binding changes.
Issue, activate, control, dispute — all one journey definition.
A user requests a new card in your product. Klyqo orchestrates the full lifecycle from issuance through dispute resolution. The state machine lives in the journey definition, the vendor calls live in the bindings, and every state transition lands in the audit log.
What you pick from the marketplace.
A card issuance program uses six marketplace providers. Issuer selection is the biggest decision; Klyqo’s issuer adapters normalize the API differences so swapping is a binding change, not a re-build.
Honest about the build.
Card programs look like a card and feel like a state machine with 30 transitions. The work is in the disputes lifecycle (every chargeback path has scheme-specific rules), the controls (every limit type touches the processor in a slightly different way), and the wallet provisioning (Apple Pay and Google Pay have different push-provisioning quirks). Klyqo doesn’t make these easier; it makes them swappable.
What you bring: the BIN sponsorship (or your own issuing licence), the cardholder base, the program economics, the compliance officer. What Klyqo brings: the runtime, the issuer adapters, the disputes lifecycle templates, the controls model, the wallet provisioning flows. What we figure out together: which issuer for your geography + cost profile, which fraud vendor for your transaction shape, what controls surface lands with your buyer.
If you’re launching a card-first product and you want flexibility on the issuer for the next decade: talk to us before you marry one and have to redo the integration when their pricing changes.
Launching a card program?
If you’re building a card-first product — rewards, expense, gig payroll, neobank — the first conversation is short. Tell us about the geography, the BIN arrangement, the program economics, the cardholder profile. We’ll tell you which issuer + fraud + disputes combo fits and how fast Klyqo can wire it.
Email diogo@klyqo.com Response within two business days