Retail · Postpaid

Private label cards: turn sales into relationships and recurrence

Card carrying the retailer's own brand, used exclusively within the accredited network to drive loyalty.

When it makes sense to broaden acceptance, the same programme evolves into dual brand or co-brand without changing infrastructure.

Three acceptance levels

From the store card to the network-branded card

The choice defines where the card is accepted and how revenue is generated — the issuing and processing infrastructure is the same.

Private Label

Card carrying the retailer's own brand, used exclusively within the accredited network, aimed at loyalty and recurrence.

Dual Brand / Hybrid

Combines private label and network-branded functions in a single card, with exclusive benefits inside the retailer's network.

Co-Brand

Issued in partnership between brands, with broader acceptance and benefits shared between the partners.

Ecosystem for retail

What FastPay delivers to the retailer

Beyond the card, retailers can build their own financial ecosystem on the same platform.

Private Label and Co-branded cards
Dual Brand / multi-function card
Prepaid cards (benefits, salary advance, rewards)
Proprietary or white-label acquiring
Wallet and digital payments
Anti-fraud and advanced authentication
BPO for customer service, collections and chargeback
White-label app and portal
What you solve

Expected outcomes in retail

  • Higher average ticket with a dedicated limit and exclusive conditions inside the network
  • Loyalty and recurrence built on a direct financial relationship with the customer
  • New revenue streams through transaction fees and value-added services
  • Fully customized experience with your own visual identity on cards, POS devices and digital channels
FAQ

Frequently asked questions

What is a private label card?

It is a card issued under the retailer's brand and accepted exclusively within its accredited network. It serves to build loyalty, increase recurrence and create a direct financial relationship with the customer.

What is the difference between private label, dual brand and co-brand?

Private label is accepted only in the retailer's network. Dual brand combines, on the same card, the private label function and the network-branded function. Co-brand is issued in partnership between brands, with broader acceptance and shared benefits.

Does the retailer need a license to issue?

It depends on how the programme is designed. By combining private label with FastPay's Visa BIN Sponsor, the network mandate and regulatory structure stay with the group's licensed issuer.

Does FastPay also cover the retailer's acquiring?

Yes. The platform integrates issuing and acquiring, and retailers can run proprietary or white-label acquiring, including as a sub-acquirer.

Who handles support and collections?

FastPay's BPO can run customer service, collections, regularization, chargeback and fraud prevention, with dedicated teams and systems.

Keep exploring
White label cards → White-label sub-acquiring → Visa BIN Sponsor → Full portfolio →

Want to launch a card for your network?

Talk to a specialist and assess the ideal acceptance model for your retail operation.

Talk to a specialist