ABOUT US

Powering Payments Ecosystem for Fintechs & Banks

At CARD91, we’ve built secure, scalable, and modular infrastructure that empowers banks and businesses to launch and manage payment instruments.

Who are we?

At CARD91, we’re reimagining the way banks and businesses issue and manage payment instruments.

As a leading Issuance Platform-as-a-Service provider, we offer a modular stack that brings flexibility, security, and control to the heart of digital payments.

From Prepaid Payment Instruments and Debit Cards to Credit Cards, Multi-Currency Cards, and UPI-enabled credit lines, our platform seamlessly integrates with global card networks — RuPay, Visa, and Mastercard — to deliver truly scalable solutions.

Founded in 2020 by payments industry veterans and technology experts, CARD91 is driven by the mission to unlock new possibilities for
every business and every user.

Our Journey

CARD91 Timeline

TODAY

Building the Future of Payments

Partnered with multiple banks in India, and now looking to expand our tech platforms to new markets.

2023

Expansion & Scaling

Expanded to Mumbai, Delhi, and Chennai, continuously growing our footprint to power the future of payments in India and beyond.

2022

Funding

Secured $13M in a pre-Series A round led by Infinity Ventures, Point72 Ventures, Sabre Partners, EMVC, and Commerce Ventures.

2020

Established

Founded by seasoned entrepreneurs with deep expertise in payments, lending, and tech, backed by a team from IITs and top institutions.

Certified. Compliant. Secure

Life at CARD91

At CARD91, we know fintech is more than just numbers—it’s about passion, innovation, and people.
Every day is an adventure: solving challenges, collaborating with brilliant minds, and of course, pausing for a quick tea break to recharge.

Curious, creative, and driven—that’s the CARD91 spirit.

Our company has ensured full compliance with the PoSH Act, 2013, including a functioning Internal Committee, updated policy, and regular training for all employees. For any concerns or complaints, please write to us at poshcommittee@card91.io

Under The Leadership

Leadership Cards
Ajay Pandey
Ajay Pandey
Ajay Pandey, co-founder of CARD91, is a serial entrepreneur with 20+ years of experience in creating and scaling businesses from ground zero. At CARD91, he oversees sales, partnerships, product strategy, and client implementations.
A.G. Ramakrishna
A.G. Ramakrishna
A.G. Ramakrishna has over 25 years of experience in the banking and financial services domain with Citi and Nium. At CARD91, he drives new product strategy and manages strategic relationships with industry stakeholders.
Amit Shah
Amit Shah
Amit Shah is a seasoned finance professional with more than 24 years of experience across roles in Client Coverage, Business Development, Strategy, Product & Risk Management in Corporate & Investment Banking, and in Fintechs. Amit joined CARD91 in July 2021 and is responsible for developing and rolling out the go-to-market strategy for the company.
Navneet Kumar
Navneet Kumar
Navneet Kumar has over 20 years of experience building technology products to solve business problems, particularly in the banking and financial services sector. At CARD91, he is responsible for all things technology.
Puneet Mathur
Puneet Mathur
Navneet Kumar has over 20 years of experience building technology products to solve business problems, particularly in the banking and financial services sector. At CARD91, he is responsible for all things technology.

Start modernising your payments with CARD91 infrastructure

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