Launch a branded debit card program

Put your brand in your customers' wallets. Describe the card program you want and get a clickable prototype — issuing, controls and compliance included.

Start building — it's freeClickable prototype in minutes · No card required

A branded debit card keeps your business in front of customers every time they pay. Instead of spending 12–18 months negotiating with an issuer, a processor and a compliance consultancy, you describe the program you want and Kobble's AI builder turns it into a clickable prototype — card art, onboarding flow, spend controls and the full mobile experience — that you can put in front of stakeholders the same day.

Behind the prototype sits Kobble's licensed card-issuing infrastructure: Mastercard issuing, digital wallet provisioning, KYC and AML monitoring under an Australian AFSL. When the design is approved, the same modules that power the prototype take the real product live in around 8 weeks.

What you can build

Virtual and physical Mastercard issuing

Issue virtual cards instantly at signup and ship physical cards with your brand and card art. Instant in-app provisioning to Apple Pay and Google Pay.

Spend controls that fit your program

Merchant-category blocking, geographic limits, daily and per-transaction caps — configured per card, per customer segment or program-wide.

Real-time transaction experience

Push notifications on every swipe, live balances and a transaction feed designed for mobile — the parts customers actually judge a card by.

KYC and KYB onboarding built in

Digital identity verification for consumers and businesses, with AUSTRAC-aligned AML transaction monitoring running underneath.

Your brand, end to end

The builder extracts your brand colours and logo, then applies them across the card, the app and every screen of the prototype.

Powered by Kobble modules

The prototype is assembled from the same licensed modules that run in production — what you approve in the design is what launches.

Card issuing (Mastercard)
Digital wallets (Apple Pay / Google Pay)
KYC / KYB onboarding
AML transaction monitoring
Push notifications
Spend controls

How it works

1
Describe it
Start from your company or a blank slate. One sentence is enough — the builder researches your brand and asks the right follow-ups.
2
Shape the build
Pick a concept, toggle the modules you need and choose a design style. Your logo and brand colours are applied automatically.
3
Get the prototype
A clickable app in your brand, a build-vs-Kobble ownership map, a compliance pathway and exportable briefs for your team.

Frequently asked questions

How long does a branded debit card take to launch?

The clickable prototype takes minutes. A production launch on Kobble's issuing infrastructure typically takes around 8 weeks, depending on your compliance onboarding and card art approval.

Do I need my own financial services licence?

In most cases no — card programs run on Kobble's infrastructure under Kobble's Australian Financial Services Licence (AFSL No. 545391). The right structure depends on your product, which the builder's compliance pathway output maps for you.

Can I issue both virtual and physical cards?

Yes. Virtual cards are issued instantly at onboarding; physical cards ship with your brand and card art. Both provision to Apple Pay and Google Pay.

What does the AI builder actually produce?

A clickable mobile prototype in your brand, a module-by-module breakdown of what Kobble powers versus what you own, a compliance pathway, and exportable executive, product and developer briefs.