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ARTICLE · 13 NOVEMBER 2025

BIN Sponsorship And Card Issuing: Unlocking Payment Card Innovation

Addleshaw Goddard
Addleshaw Goddard
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Addleshaw Goddard

Addleshaw Goddard

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BIN sponsorship is a strategic collaboration model in the payment card industry, enabling innovation and market entry for new players, whilst ensuring compliance and risk management.

United KingdomFinance and Banking
Nadia Stephenson
Nadia Stephenson
William James
William James

BIN sponsorship is a strategic collaboration model in the payment card industry, enabling innovation and market entry for new players, whilst ensuring compliance and risk management. As the fintech landscape continues to evolve, anyone looking to leverage BIN sponsorship models for growth and innovation needs to make sure they understand the intricacies. The Addleshaw Goddard Payments Team is well placed to advise on these arrangements.

In the context of card issuing, Banking Identification Numbers (BINs) are used by card schemes (like Visa or Mastercard) to identify the bank or financial institution (being a Principal Member of the card scheme) that has issued the card, and the type of card (credit, debit, prepaid etc). The BIN underpins card issuance and transaction processing.

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