February 26, 2026
The issuance of Visa and Mastercard cards has become an essential part of the strategy for companies that want to offer complete financial solutions. What may seem like just “having a personal card” involves, in practice, a global payment infrastructure, technical requirements, audits, and relationships with international networks.
In this scenario, Banking as a Service (BaaS) has expanded access for fintechs, digital banks, and companies from various sectors to the card networks, connecting them through APIs and already validated flows. With this, it has become possible to structure card programs in line with the regulations, without needing to build the entire technological foundation.
But how does all this work? It’s time to find out! Continue reading for more information on the subject.
Qual é a importância das bandeiras na emissão de cartões?
Cartões emitidos sob bandeiras como Visa e Mastercard permitem transações em milhões de estabelecimentos, no Brasil e no exterior. A atuação dessas redes vai muito além da aceitação: envolve tecnologia antifraude, padrões de segurança, interoperabilidade e conectividade com credenciadoras ao redor do mundo.
Por isso, a emissão de cartões com essas bandeiras depende de requisitos específicos, testes, auditorias e alinhamento regulatório. Para empresas que desejam disponibilizar cartões físicos ou digitais, operar de forma integrada às bandeiras é parte central do processo.
How does integration occur through BaaS providers?
In the BaaS model, the fintech connects to the infrastructure provider that already has technical relationships and approved processes with Visa and Mastercard. This allows the company to operate its financial journey through APIs, from account creation to card issuance, including validations and monitoring.
The flow usually follows steps such as:
integration via API with the BaaS provider, which maintains a connection with the card networks;
issuance, unlocking, blocking, and limit management carried out from the company's own environment;
back office and compliance conducted by the authorized partner, including reconciliations, disputes, and anti-fraud monitoring;
focus on the product and customer experience, while the infrastructure handles technical and regulatory requirements.
This model tends to reduce operational effort and standardize processes that would otherwise depend on individual integrations and direct approvals with each card network.
Como funciona a homologação e requisitos técnicos das bandeiras?
To issue Visa or Mastercard cards, companies must meet rigorous criteria defined by the card networks and local regulations. This involves everything from security standards to periodic audits and detailed documentation.
Among the most common requirements are:
adherence to PCI DSS (Payment Card Industry Data Security Standard);
compliance with Central Bank rules and national legislation;
anti-fraud processes compatible with network requirements;
functional, load, and performance testing;
risk controls and personal data protection;
technical documentation of flows and integrations.
For companies that do not wish to become direct issuers, BaaS offers an alternative: using already approved integrations and embedded compliance infrastructure. This way, it is possible to advance without taking on all the complexity of the process.
Quais são os benefícios de operar com parceiros autorizados?
Trabalhar com provedores licenciados pode ampliar a previsibilidade e reduzir riscos na integração com as bandeiras. Confira os pontos frequentemente observados!
Entrada mais rápida no mercado
Como a infraestrutura já passou pelos processos de homologação, a empresa pode começar a emitir cartões sem ter que realizar essas etapas diretamente.
Redução de esforços internos
Regras, certificações e integrações exigidas pelas bandeiras são geridas pelo parceiro, diminuindo a necessidade de grandes equipes dedicadas.
Escalabilidade
Provedores consolidados operam infraestruturas preparadas para altos volumes transacionais.
Conformidade contínua
Os fluxos seguem normas das bandeiras e dos reguladores, reduzindo riscos de incidentes e inconsistências.
Personalização
Mesmo com infraestrutura padronizada, a empresa mantém liberdade para definir identidade visual, regras e funcionalidades do cartão.
Why is BaaS a faster path for fintechs and companies?
Becoming a direct issuer often requires high investments, long timelines, and regulatory complexity. BaaS offers an alternative path for those who want to provide cards more quickly, leveraging already approved structures that are updated according to international standards.
As a result, companies can:
structure customized financial products;
adapt cards to their audience;
incorporate new functionalities with less effort;
operate within the security and performance standards required by the sector.
This model serves everyone from startups to large companies looking to expand their financial portfolio.
Qual é o papel do compliance e da gestão de riscos?
The integration with Visa and Mastercard includes controls for preventing money laundering, anti-fraud analysis, chargeback management, data protection (including LGPD), audits, and periodic reports.
In BaaS, these components usually come standardized and integrated into the API, reducing the need for the internal creation of regulatory processes. The provider centralizes updates and maintains constant alignment with the standards of the card brands and regulatory bodies.
For companies that wish to delve deeper, content such as Compliance in BaaS provides more details on requirements and best practices.
A Azify e a integração pronta com Visa e Mastercard. Como funciona?
A Azify oferece infraestrutura para que empresas lancem e operem cartões Visa e Mastercard com apoio de parceiros autorizados. Essa integração acontece via API e inclui:
módulos de emissão, gestão e monitoramento;
processos regulatórios incorporados;
documentação e trilhas de auditoria;
suporte técnico especializado;
acompanhamento operacional em toda a jornada.
Ao utilizar as integrações já homologadas, as empresas podem estruturar seus produtos sem precisar conduzir negociações diretas ou desenvolver sistemas complexos de emissão.
How to advance in the use of BaaS with integration to the payment networks?
Deciding on the model of Banking as a Service implies accelerating plans, launching innovative products, and meeting market demands in record time, without having to worry about regulatory issues or integration technology challenges.
Companies that integrate their operations with Visa and Mastercard networks, using BaaS infrastructure, gain the freedom to create, expand, and serve their customers wherever they are.
The next step is simple: choose a trustworthy partner, with proven expertise, relationships with the networks, and solutions tested at scale. It is this peace of mind that puts innovation at the forefront and enables value generation for the end customer.
Azify is ready to be that trusted partner, helping companies of all sizes secure a solid place in the payments market. With integrations via API, complete back office, and embedded compliance, there are no more barriers to launching Visa and Mastercard cards at any scale.
Conecte sua fintech à Visa e Mastercard com as APIs da Azify!
Se o objetivo é lançar ou escalar produtos financeiros, a Azify oferece tecnologia, conformidade e operação completa, permitindo a emissão imediata de cartões Visa e Mastercard, físicos ou digitais. Tudo isso com suporte contínuo, integração rápida e toda a segurança de uma infraestrutura global.
O próximo passo para empresas que desejam oferecer cartões Visa e Mastercard é avaliar suas necessidades, entender os requisitos regulatórios aplicáveis e escolher um parceiro com experiência comprovada em operações de pagamentos.
A partir disso, é possível:
iniciar testes de integração;
validar requisitos técnicos e de segurança;
estruturar regras de uso e personalização;
configurar painéis e fluxos internos;
definir KPIs e alinhamento regulatório.
Conheça agora as APIs, converse com especialistas e transforme a experiência dos seus clientes através do melhor da indústria. Com Azify, a sua empresa já nasce pronta para crescer com a confiança das maiores bandeiras do mundo!
Aviso: Conteúdo informativo. Não constitui oferta de valores mobiliários, serviços de câmbio ou pagamento. Rentabilidade passada não garante resultados futuros. A Azify atua diretamente ou por meio de parceiros autorizados, conforme o escopo.
FAQ about BaaS and integration with brands
What is BaaS in the financial market?
BaaS, or Banking as a Service, is a model that allows companies of any size to access and offer financial services through APIs, without having to build an entire banking infrastructure from scratch. The BaaS provider, like Azify, manages regulatory complexity, technological infrastructure, and integration with networks like Visa and Mastercard, enabling the fintech to quickly and securely launch accounts, cards, investments, and other products.
How does BaaS integration with Visa work?
Integration occurs through APIs provided by the BaaS provider, which are already approved by the main card networks. Thus, the fintech connects its environment to the partner's system, which handles all the technical, operational, and compliance aspects with Visa. This ensures quick card issuance, secure transactions, and simple management of the product portfolio without directly dealing with the regulatory and technical challenges of the network.
Is BaaS better than traditional banks?
BaaS offers more flexibility and speed for companies to innovate and launch new financial products, as it eliminates bureaucracy and heavy investments in proprietary infrastructure. It does not replace traditional banks but provides a more dynamic way to create accounts, issue cards, and operate financial solutions, leveraging all the security and stability required by the market.
What are the advantages of BaaS with Mastercard?
Choosing a BaaS provider with Mastercard integration means gaining immediate access to the global acceptance network of the brand, with all regulatory requirements resolved. In addition, it is possible to customize cards, offer both physical and digital solutions, manage the entire operation through APIs, and benefit from anti-fraud infrastructure, 24/7 technical support, and scalability for large transactional volumes.
How to hire a BaaS service?
To hire a BaaS service, simply choose an experienced provider, present your demands, and carry out the integration process via API. Companies like Azify offer this journey consultatively, analyzing the client's needs and assisting from documentation to approval with the card networks. Once the project is validated, card issuance and access to other financial products can be initiated quickly.
Integrating Visa and Mastercard via BaaS allows for quick, secure, and compliant card launches, without facing all the technical and regulatory complexities. With approved infrastructure and specialized support, companies gain agility to innovate and scale. Azify offers this ready-to-use path, facilitating each step of the journey!
To understand the technical scope of the integration and assess applicable regulatory requirements for your project, contact Azify's team of specialists and start as soon as possible!
