White-Label Rewards Mastercard® for your brand at zero cost

Get your fully-fledged White-Label reward program with money-can't-buy benefits and fully integrated Mastercard® Debit Cards.

Seamless integration & support

Tailored community preferences

Exclusive rewards & perks

Movie tickets

Let your brand become more relevant in your customers lives

Our White-Label-Solution enables any brand to leverage state-of-the-art loyalty and banking features to increase customer loyalty and engagement.

White label

Customize with your logo, CI, and design elements to create a unique and powerful tool for customer engagement and loyalty.


We prioritize employing advanced encryption, multi-factor authentication, and continuous monitoring to protect sensitive data and transactions.

Your Brand
5101 1808 8764 4802
Your Brand
5415 7991 2837 0462
Your Brand
5338 0347 5308 0929

Ready to launch in weeks at zero cost and everything included

Fully branded landing page with card shop

An immersive, branded experience with our customizable landing page builder for every brand and integrated card shop, designed for high conversion rates.

White-Label Mobile Banking with multiple new touchpoints

Boost customer loyalty with our modern online banking featuring a German bank account and real-time payment notifications for enhanced customer engagement.

Integrated current account

German IBAN

Configurable price and service levels - You make the rules!

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Additional opt-ins and spaces for your marketing

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Security & Fraud Prevention

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Transaction messages carrying your brand contents

Plug & Play
No integration effort

Reward & grow

More love, more loyalty

Improve your brand recognition with every payment transaction

Offer your customer base exclusive money-can't-buy benefits and rewards

Access transaction insights to offer tailored offers and rewards

No upfront invest

Start your journey with XPAY without any initial investment.

We guarantee a seamless end-to-end process, letting you focus on your core business!

No running costs

We believe in empowering brands by removing financial and regulatory barriers.

We do not charge any fees to our brand partners for our services.

Multi-Card Solution

We offer one, two, or three-card solutions, allowing our brand partner to tailor the card pricing to different target groups.

Revenue Share

Partner with us for a lifetime of shared success. Our revenue-sharing model aligns our goals with yours, fostering a sustainable long-term relationship.

How it works

Getting Started with XPAY is Simple


Sign Up

Schedule a call with us, and we will lead you through our end-to-end branded Mastercard® process.


Demo-Landing page

We will create your individual demo product page, showcasing your Rewards Mastercard® Program.


Launch and Advertise

Once card pricing and rewards are agreed on, we are ready to launch in weeks.

Here's what our customers have to say

Whenever I tell people about my Loverscard, it's the beautiful design that I emphasize. The card is a really nice statement piece when going out. But also the lifestyle concierge is a big plus. They did a really nice job when they managed for me to get two coveted concert tickets on Christmas Eve at short term. Thanks for that.
Stephanie B. - Customer
I am really passionate about fashion & lifestyle and discovering new places and cultures. That's why I didn't have to think twice about the Loverscard. I'm more than happy to have easy access to airport lounges with my Loverscard, which makes my travels much more relaxed now.
Nico S. - Customer
Ordered in 5 minutes, 2 days later in the mailbox. Faster than with my bank. Great!

Daniel T. - Customer
Case studies

See it in action

Large enterprises

The world's most successful TV-Show

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Private brands

The most beautiful Mastercard® in the world

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Industry solutions

The first rewards Mastercard® for the Food-Delivery Industry

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Small & Medium businesses

German's private business network since 2013

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Wait no longer

Become part of the branded banking (R)evolution

Have questions?

Merchant FAQs

How do I get started with XPAY's Rewards Mastercard®?

Begin by reaching out to our team through our contact form. We'll schedule a consultation to discuss your requirements, objectives, and how we can enable your brand!

What types of brands can benefit from our solution?

Brands of all sizes and industries can benefit from a branded debit card program, particularly those seeking to enhance brand loyalty, and customer engagement, by offering exclusive rewards and benefits.

Are there any hidden fees associated with XPAY's services?

We maintain a transparent pricing structure with no hidden or ongoing fees. Our goal is to provide cost-effective solutions that suit every brand.

How customizable are the branded debit cards and digital ecosystem?

Our branded debit cards and digital ecosystem are highly customizable, allowing you to incorporate your logo, colors, and design elements to create a unique and cohesive brand experience for your customers.

Can I offer exclusive perks and benefits to my customers through the branded debit card program?

Yes, our platform enables you to create a tailored rewards program with exclusive perks and benefits that align with your brand values and appeal to your target audience.

How easy is it to integrate XPAY's services into my existing infrastructure?

With our flexible plug & play API, integrating our payment solutions into your existing infrastructure is hassle-free. Our adaptable solution ensures smooth and seamless compatibility.

What kind of support does XPAY provide during the integration process?

Our dedicated team offers personalized support throughout the integration process, ensuring a smooth transition and addressing any challenges or concerns that may arise.