Redefining the way businesses issue and manage payment instruments. As a leading Issuance Platform-as-a-Service provider, CARD91 empowers banks, prepaid license holders, and authorised dealers with a seamless, scalable, and secure infrastructure to launch and operate Prepaid, Debit, Credit, Multi-Currency, UPI, and Credit Line on UPI products.
CARD91 is a next-generation Issuance Platform-as-a-Service provider, offering cutting-edge technology infrastructure to banks, prepaid license holders, and authorised dealers. Our platform simplifies the issuance of various payment instruments—including Prepaid Payment Instruments (PPI), Debit Cards, Credit Cards, Multi-Currency Cards, UPI, and Credit Line on UPI—enabling issuers to make faster decisions and maintain complete control over transactions. Designed to support diverse use cases, CARD91 ensures a seamless, scalable, and highly efficient card issuance experience, helping financial institutions and businesses bring innovative payment solutions to market with ease.
At the core of CARD91’s infrastructure is a robust issuer processor (switch) that ensures secure and seamless transaction routing and authorization. This is complemented by an advanced Card Management System (CMS) that oversees the entire card lifecycle, from issuance to termination. Additionally, our program manager layer provides a fully configurable framework, allowing issuers to customise and optimise their programs based on unique business needs. With a range of ancillary products that further enhance functionality, CARD91 delivers an end-to-end solution for businesses looking to launch and manage their own payment instruments.
Our strategic partnerships with leading card networks like RuPay, Visa, and Mastercard empower us to deliver globally scalable, secure, and compliant solutions. By integrating with these networks, we ensure that our technology meets the highest industry standards while providing seamless interoperability across multiple geographies. This strong foundation, coupled with our deep expertise in fintech, positions CARD91 as a trusted partner for issuers seeking to navigate the evolving digital payments landscape.
Founded in early 2020 by seasoned entrepreneurs with extensive experience in payments, lending, and technology, CARD91 is backed by a team of experts from IITs and other leading institutions. The company raised $13 million in a pre-Series A funding round in 2022, led by investors such as Infinity Ventures, Point72 Ventures, Sabre Partners, EMVC, and Commerce Ventures, along with prominent angel investors. Headquartered in Bengaluru, CARD91 also operates offices in Mumbai, Delhi, and Chennai, continuously expanding its footprint to drive the future of payments in India and beyond.
CEO & Co-Founder
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 looks after the sales, partnership’s functions (client, network, banks, and other financial institutions), new product strategy, and client implementations.
COO & Co-Founder
Vineet Saxena, the co-founder of CARD91, is a first- generation entrepreneur. Over his 23-year career, Vineet has built and managed several businesses and functions. At CARD91, he oversees human resources (policies and recruitment), finance, marketing, branding, and external positioning along with overall administration.
Chief Product Officer
A.G.Ramakrishna, Chief Product Offer of CARD91, has over 24 years of experience in the Banking and Financial Services domain with Citi and Nium. At CARD91, he is responsible for driving the new product strategy and the company’s strategic relationship with various industry stakeholders.
Chief Business Officer
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.
Chief Technology Officer
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.
CEO & Co-Founder
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 looks after the sales, partnership’s functions (client, network, banks, and other financial institutions), new product strategy, and client implementations.
COO & Co-Founder
Vineet Saxena, the co-founder of CARD91, is a first- generation entrepreneur. Over his 23-year career, Vineet has built and managed several businesses and functions. At CARD91, he oversees human resources (policies and recruitment), finance, marketing, branding, and external positioning along with overall administration.
Chief Product Officer
A.G.Ramakrishna, Chief Product Offer of CARD91, has over 24 years of experience in the Banking and Financial Services domain with Citi and Nium. At CARD91, he is responsible for driving the new product strategy and the company’s strategic relationship with various industry stakeholders.
Chief Business Officer
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.
1142, 6th main road, Sector 7, HSR Layout, Bengaluru, karnataka – 560102
Sales: sales@card91.io
HR: careers@card91.io
Media: comms@card91.io
Support: support@card91.io
