Core banking, issuing and acquiring — as software.
Codego Group builds the white-label core banking software that powers modern financial products. A real-time multi-currency ledger, card issuing and acquiring, local IBAN and payment rails, mobile apps and a full back office — under your brand, on licensed partner rails. We build the technology; regulated institutions run the licence.
Codego Group is a software company — not a bank, electronic money institution or payment institution. It provides B2B technology, software, infrastructure and programme-management services. Where accounts, cards, IBAN, e-money or payment services are made available in connection with Codego technology, those regulated services are provided exclusively by duly authorised third-party financial institutions, under their own licences and regulatory supervision.
The ledger, the rails, the audit trail.
Codego Core Banking is the central system of record behind every white-label programme — a real-time multi-currency ledger, transaction monitoring, KYC and AML screening and strong customer authentication, all exposed through a single API.
Real-time
Multi-currency, double-entry system of record with real-time balances.
KYC / AML
Liveness, PEP, sanctions and adverse-media screening hooks.
SCA
Strong customer authentication, biometric and device binding.
Alert engine
Transaction screening, alerting and a full audit trail.
REST API
Clean API, webhooks and a sandbox available from day one.
Overview
Last 30 days| Customer | Type | Status |
|---|---|---|
| A. Rossi | Card · POS | Settled |
| M. Camilleri | SEPA out | Settled |
| L. Novak | Top up | Pending |
| S. Grech | BaaS API | Settled |
Modules for debit, prepaid and corporate programmes.
From core banking to card issuing, acquiring and BaaS — a modular platform covering every layer of a fintech product stack. Each line below is a separate module; the underlying ledger and authorisation engine is shared.
Core banking
Real-time ledger, transaction monitoring, KYC liveness, PEP & sanctions screening. The central record for every product.
Card issuing
Virtual and physical cards — plastic, metal, transparent. Full lifecycle, tokenisation, Apple Pay & Google Pay.
Acquiring & processing
Virtual and physical acquiring, API-powered processing, chargebacks and certified rails that scale.
Banking-as-a-Service
Expose accounts, cards and payments to your own partners through a governed BaaS API layer.
Local & virtual IBAN
Local IBAN in 15 countries. SEPA, SEPA Instant & SWIFT in 21 currencies. Dedicated IBAN per end user.
Card programmes
Prepaid, debit, expense, payroll and gift. One API, full lifecycle from issuance to settlement.
POS terminals
EMV-certified card-present acceptance. Branded terminals, contactless, chip-and-PIN, daily reconciliation.
Support & live chat
In-app customer chat, ticketing and an agent console — help your users inside their own app.
Your white-label app — frontend and back office included.
Every deployment ships fully branded native apps for iOS and Android, plus the web back office for your team. Individual and business accounts, IBAN management, card controls, real-time notifications and peer-to-peer transfers — all themed to your brand.
From contract to live programme, typically in fifteen days.
Launching a white-label banking platform or card programme runs across four structured phases. The longest segments are commercial alignment and technical certification; most operational work runs in parallel.
Commercial & technical agreement
Define product scope, card type, payment rails and branding. Integration roadmap and compliance checklist.
KYC, compliance & licensing
The compliance framework is handled with the licensed partner institution. Partner KYC/AML onboarding runs in parallel.
API integration & brand configuration
Connect to the Codego APIs. Configure domain, card art, logo, spending rules and cardholder limits. Sandbox from day one.
Testing, certification & go-live
End-to-end testing, Apple Pay / Google Pay provisioning, certification and 24/7 monitoring post-launch.
Licensing the platform versus building in-house.
Most fintechs estimate twelve to twenty-four months and US$ 500,000 to 2,000,000 to build card-issuing and core-banking infrastructure from scratch. The platform model compresses that to a fraction of the time and cost.
| Dimension | Build in-house | Codego platform |
|---|---|---|
| Time to first card | 12 — 24 months | Weeks, not months |
| Initial investment | US$ 500K — 2M+ | Tailored on volume & scope |
| Banking licence | Required (12 — 36 mo) | Partner-institution licences apply |
| Visa / Mastercard membership | Principal (US$ 2M+) | BIN sponsorship included |
| PCI DSS compliance | Your responsibility | Covered by Codego |
| KYC / AML / PSD2 | Separate procurement | Built-in liveness, PEP & sanctions |
| Apple Pay & Google Pay | Separate certification | Ready from day one |
| SEPA & SWIFT rails | Correspondent banking | 15 countries, included |
Estimates based on industry benchmarks and Codego onboarding data, 2023 — 2025.
Your customers get help. Your team gets a partner.
Support is built into the platform, not bolted on. Customers reach your team from inside the app; your operators handle everything from one console.
- In-app live chat — customers message your team from the app, with full account context.
- Agent console — tickets, chat history and customer records in one back-office workspace.
- Onboarding & integration support — we help your team go live and stay live.
- Monitoring & SLAs — 24/7 platform monitoring and agreed service levels.
Certified across the rails that move money.
PCI DSS certified
Certificate issued by Adsigo, 2025.
Visa & Mastercard
Issuing and acquiring via BIN sponsorship.
SEPA · SWIFT
SEPA, SEPA Instant & SWIFT in 21 currencies.
Apple & Google Pay
24-hour provisioning after activation.
Local IBAN · 15 countries
Dedicated IBAN per end user, multi-currency.
EUIPO trademark
Registered · ref. 018922174.
Twelve years building financial infrastructure.
Codego was founded in 2012 at the intersection of programming, financial systems and authentication technology. Today it operates as a group of independent entities across twelve countries, providing a single comprehensive banking and card-issuing infrastructure to fintechs, financial institutions and businesses worldwide.
Codego Group Ltd holds the core-banking software intellectual property and provides technology, commercial and programme-management services. As a Banking-as-a-Service provider, Codego works with licensed partner institutions that hold the necessary authorisations, and maintains the technology, compliance frameworks and certifications so its partners don't have to.
The result: faster time to market, lower operational cost, and a fully compliant product from day one — while Codego Group Ltd itself remains a technology provider, and not a bank or financial institution.
Become a fintech, on our technology.
One partner, all in one. Launch your branded banking platform with local IBAN in 15 countries, prepaid and debit card programmes, Apple Pay and Google Pay — on Codego's licensed, PCI-DSS certified infrastructure.
Request a demo →San Ġwann, SGN 9030, Malta