A practical guide to launching a neobank on 4Pay.online's core banking infrastructure — fully under your own brand.
typical time to production
full brand control
Banking-as-a-Service model
A complete core banking stack, white-labeled under your brand from day one.
Double-entry bookkeeping with multi-currency accounts, sub-accounts, and real-time balances. Hold/transfer/rollback support for debit operations and credit products.
Dedicated virtual IBANs for each customer for SEPA transfers. Incoming payments are automatically credited to the customer's account. Outgoing via SWIFT, SEPA, FPS, BACS.
Virtual and physical debit cards under your BIN sponsorship. Real-time authorization, 3DS2, Apple Pay / Google Pay provisioning.
Document verification, liveness checks, PEP/sanctions screening (EU, UN, OFAC), and ongoing transaction monitoring. Configurable risk appetite by customer tier.
Branded mobile app (iOS/Android) and web banking. Your logo, colors, domain. Feature flagging by market segment.
Your neobank's customers can accept payments as merchants. One API key — and both consumer banking and merchant acquiring on a single platform.
A realistic week-by-week plan to production readiness.
How the BaaS platform fits into your neobank stack.
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Mobile app (iOS / Android)
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Web banking interface
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Customer onboarding UX
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Marketing and customer acquisition
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Regulatory license (or operate under ours)
✓
Core banking ledger (double-entry)
✓
KYC / AML / PEP screening pipeline
✓
Payment rails (700+ providers)
✓
Card issuance infrastructure
✓
Virtual IBANs, SEPA and SWIFT integration
✓
Anti-fraud engine (Gen2 AF)
✓
PCI DSS and GDPR compliance layer
The digital banking market is growing exponentially: forecasts predict neobank users will exceed 600 million by 2027. Yet most neobanks still build infrastructure from scratch, spending 12–18 months and millions of dollars to achieve basic functionality. The BaaS model changes this paradigm: instead of building — plug in.
The key advantage of the white-label approach is speed to market. While competitors are building ledgers, integrating KYC providers, and undergoing PCI DSS audits, you are already serving customers. 4Pay.online provides the entire infrastructure: from double-entry bookkeeping to card issuance, from AML screening to virtual IBANs — through a single API.
White-label does not mean limitations. You retain full control over your brand, UX, pricing, and customer journey. The platform operates as an invisible backend, and customers interact only with your app. To the regulator, you are a full-fledged financial operator; to customers, a modern neobank; to your team, it means focusing on the product, not the infrastructure.
Six setup wizards. The operator runs them alone — no development needed.
Switching the organisation to bank mode: region, licences, details, supervisory reporting and roles.
Domain, logo and theme: the client sees only your brand.
Client verification, risk rating and account opening — the account opens only after verification succeeds.
Issuing a card to the client: from choosing the account to activation.
The parties, amount and term, release conditions and the document set — with dual-control approval before the instrument is issued.
Regulatory reporting is configured by a separate wizard: report template, delivery channel, schedule and a dry run before the first mandatory filing.
Register and create your organisation yourself — plan, team, bookkeeping currency. The banking contour, card issuing and regulatory reporting we launch together with an integration manager.
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