Issue Cards. Build Loyalty. Own the Full Payment Relationship.
As a Mastercard Certified Principal Member, OTT Pay holds the right to issue credit cards, secured credit cards, and co-branded card products on a global scale. For enterprise partners, financial institutions, and brands looking to deepen customer relationships, OTT Pay's issuing infrastructure makes it possible.
Built on a Mastercard Principal Member Licence – one of Canada's most significant payments credentials.
- Mastercard Certified Principal Member – licensed to issue at global scale
- Unsecured and secured credit card issuance – full product range
- Co-branded and virtual card programmes – deep brand customisation
- Bank of Canada, FINTRAC & CIRO regulated – institutional-grade compliance
Launching a Card Product Used to Require a Bank. Now It Requires the Right Partner.
Historically, launching a branded card product meant either becoming a bank or finding one willing to sponsor your programme – a slow, expensive, and relationship-dependent process that put card issuance out of reach for most brands and mid-market businesses.
As a licensed issuer, OTT Pay acts as the infrastructure behind your card programme – handling the licence, the processing, the compliance, and the settlement – so your team stays focused on the product, the brand, and the customer relationship.
- One licence – OTT Pay holds the Mastercard Principal Member Licence – you don't need your own issuing authorisation to launch a card product
- One compliance layer – OTT Pay manages regulatory compliance, KYC onboarding, and AML monitoring across the full cardholder lifecycle
- One processing platform – card authorisation, settlement, and statements all run through OTT Pay's infrastructure – no third-party processor required
- One loyalty connection – every card issued connects to the OTT SuperApp – cardholders earn points, redeem rewards, and grow their wallet balance on every purchase
Unsecured and Secured Credit Cards – Built for Partners at Any Scale.
OTT Pay’s issuing platform supports two credit card products: unsecured credit cards for established partner programmes, and secured credit cards for brands and institutions serving customers who are new to credit or rebuilding their credit history.
- Unsecured credit cards – full unsecured credit issuance for qualified partners
- Secured credit cards – deposit-backed credit for credit-building customers
- Real-time credit limit management – adjust credit limits in real time
- Mastercard global acceptance – cards work anywhere Mastercard is accepted worldwide
- Detailed cardholder statements – transparent, granular transaction records for both partner and cardholder
- OTT SuperApp integration – every card purchase connects to the OTT loyalty engine
OTT Pay is one of the only non-bank entities in Canada with a Mastercard Principal Member Licence – making us one of the fastest and most direct paths to a live credit card programme for qualified partners.
Put Your Brand in Your Customers' Wallets.
A co-branded card turns every transaction into a brand touchpoint. OTT Pay’s Virtual Credit Card co-branded issuing platform offers deep brand customisation from card design to loyalty mechanic, and extends into the influencer economy with tools built specifically for influencer partnerships, creator monetisation, and fan engagement at scale. Virtual cards can be issued instantly for digital-first programmes with no physical card required.
- Deep brand customization – every element of the card product is fully configurable to the partner brand
- Virtual card issuance – issue virtual cards instantly for digital-first spending scenarios
- Influencer co-branding – co-branded cards built for influencer partnerships
- Real-time reward distribution – cashback, points, and commission payouts credited in real time
- Spending controls – merchant category restrictions, transaction limits, and real-time card management for partner and cardholder
- Global usability – virtual and physical co-branded cards accepted across mainstream online and in-store scenarios worldwide, with real-time settlement
What a Licensed Card Issuer Actually Gives You.
Most payment partners can process a card. OTT Pay can put one in your customer’s wallet. That distinction – between accepting and issuing – defines the depth of the payment relationship and the scope of the data, loyalty, and revenue opportunity available to your business. OTT Pay’s issuing platform supports two credit card products: unsecured credit cards for established partner programmes, and secured credit cards for brands and institutions serving customers who are new to credit or rebuilding their credit history.
