FIS Total Issuing Solutions vs Paynetics Card Issuing

FTFIS Total Issuing Solutions9.2Visit Paynetics Card Issuing8.4Visit

Higher score FT FIS Total Issuing Solutions #2 in Card Issuing Platforms 9.2/10 Pricing on request ✓ 4 of 6 features Visit FIS

vs

Paynetics Card Issuing #8 in Card Issuing Platforms 8.4/10 Pricing on request ✓ 6 of 6 features Visit Paynetics

• FIS Total Issuing Solutions fits best

  Large enterprise card issuers

• Paynetics Card Issuing fits best

  Multi-segment Visa and Mastercard programs

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Side by side

Feature	FTFIS Total Issuing Solutions 9.2/10 Visit ↗	Paynetics Card Issuing 8.4/10 Visit ↗
At a glance
Editor score	9.2	8.4
Ranking	#2 in Card Issuing Platforms	#8 in Card Issuing Platforms
Best for	Large enterprise card issuers	Multi-segment Visa and Mastercard programs
Pricing model	Paid	Paid
Starting price	Pricing on request	Pricing on request
Free plan	Not checked yet	Not checked yet
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, iOS, Android	Web, iOS, Android
Built for	Mid-market, Enterprise	Small business, Mid-market, Enterprise
Features FIS Total Issuing Solutions 4/6 · Paynetics Card Issuing 6/6
Virtual cards	✓	✓
Physical cards	✓	✓
Issuing API	✓	✓
Spend controls	✓	✓
Funding and balances	Not checked yet	✓ (best)
KYC/KYB tools	Not checked yet	✓ (best)
Specs
Card program support	Not checked yet	Multi
Our review
Pros	Supports credit, debit, prepaid, commercial, virtual and physical cards Combines APIs, authorization, fraud scoring, controls and dispute workflows Provides real-time transaction data, analytics and KYC/KYB integrations	Issues physical and virtual Visa and Mastercard cards Offers REST APIs, batch issuance, wallets, and detailed controls Supports linked balances, BIN and ICA options, and KYC/KYB
Cons	Pricing requires a conversation with FIS sales There is no free plan Its broad scope may exceed focused single-purpose card programs	Pricing and card-program fees require commercial discussions The offering centers on Visa and Mastercard programs Built for program operators rather than individual card users
Our verdict	FIS Issuer Services provides card issuing and issuer-processing capabilities for banks, fintechs and other financial institutions. It supports credit, debit, prepaid and commercial card programs, alongside virtual, digital and physical… Read the review →	Paynetics Card Issuing provides infrastructure for fintechs, businesses, platforms, and other organizations that need to run card programs. It supports virtual and physical Visa and Mastercard cards, with REST APIs for creation,… Read the review →

Strengths and trade-offs

• FIS Total Issuing Solutions — where it wins

  • Supports credit, debit, prepaid, commercial, virtual and physical cards
  • Combines APIs, authorization, fraud scoring, controls and dispute workflows
  • Provides real-time transaction data, analytics and KYC/KYB integrations

  Where it doesn't

  • Pricing requires a conversation with FIS sales
  • There is no free plan
  • Its broad scope may exceed focused single-purpose card programs

• Paynetics Card Issuing — where it wins

  • Issues physical and virtual Visa and Mastercard cards
  • Offers REST APIs, batch issuance, wallets, and detailed controls
  • Supports linked balances, BIN and ICA options, and KYC/KYB

  Where it doesn't

  • Pricing and card-program fees require commercial discussions
  • The offering centers on Visa and Mastercard programs
  • Built for program operators rather than individual card users

• FTFIS Total Issuing Solutions9.2/10 · Pricing on request

  A broad issuer-processing platform for financial institutions running multiple card programs.

  Visit FISFull verdict →
• Paynetics Card Issuing8.4/10 · Pricing on request

  A configurable Visa and Mastercard issuing platform for multi-segment programs.

  Visit PayneticsFull verdict →