Balance leaves
Float you paid to acquire walks out as a transfer, taking the transaction data and the engagement with it.
For wallets & APMs
Universal acceptance without becoming an issuer
Tap to pay. Spend like a local. Anywhere.
Your users hold real money in your app and can spend it in a few thousand places. Accept² makes it work everywhere cards do.
The problem you already know
Every withdrawal is a user telling you
Every withdrawal is a user telling you
your wallet isn't enough
Acquisition got the balance in. Acceptance keeps it there. Otherwise your app is a staging account for someone else's bank.
Engagement follows
A wallet opened once a week to withdraw is a utility. A wallet that pays for lunch is a habit.
The fix looks impossible
Becoming an issuer means sponsorship, certification, a licence and a risk function — for a feature, not a business line.
The alternative
Borrow an issuer instead of becoming one
Accept² connects your balance to an issuing partner's existing BIN and licence. You keep the user, the app and the brand.
| Build your own card programme | Accept² | |
|---|---|---|
| Time to first transaction | 12–18 months | Weeks |
| BIN sponsorship | You negotiate and maintain it | Uses the issuing partner's existing BIN |
| Scheme certification | Yours to obtain and re-certify | Already held by the issuer |
| Licensing | E-money or equivalent, per market | Sits under the issuer's licence |
| Risk & fraud function | Build and staff it | Issuer's existing function, extended |
| Up-front cost | Seven figures is typical | Integration, not programme build |
| Who owns the user | You | You — the app and brand stay yours |
| Merchant acceptance | Universal | Universal — 150M+ acceptance points |
What your users get
A balance that behaves like money
The card already in the phone
No new card to order, activate or adopt. Wallet funding attaches to the card the customer already taps with.
Instant, not T+3
Earnings spendable the moment they land, with no withdrawal fee standing between the user and their own money.
Works abroad
Acceptance follows the network, not the app's merchant list — so a domestic balance travels.
Under your rules
Categories, limits and eligibility stay yours to set — and are enforced at authorisation, not after.
Stop paying to acquire balance that leaves.
Bring us your withdrawal rate and your merchant coverage. We will show you what universal acceptance would do to both.