Modular prepaid card issuing on one platform: Visa card programs, open- and closed-loop wallets and a unified ledger, configured for each program you launch.
Traditional card issuing projects often face costly development, lengthy timelines, operational complexity and significant compliance requirements.
Hello simplifies card issuing with a fintech-ready architecture, pre-built card programs, turnkey solutions and integrated services throughout the entire lifecycle.
You get a fast go-to-market and the control of an environment that is yours alone. Configure programs instead of building systems.
Wallets, business rules, branding and launch steps are configured, not coded. No engineering project between you and a new card program.
Cards are issued natively on the Visa payment network, so they are accepted anywhere Visa is, with nothing for merchants to integrate, install or train on.
One platform, one contract and one operational backbone serve every program. It is faster to launch and lighter to maintain than standalone solutions.
Every client runs in its own environment (its own branding, rules, wallets and data, never shared): full control without the infrastructure burden.
Traditional card issuing stops at the card. Your real purpose isn't the card. It's moving and controlling the funds behind it.
Issuing, network and compliance: we handle it.
Gift cards, disbursements or rewards.
Limits, merchants and expiry, your way.
Closed-loop wallet
Funds usable across one or hundreds of participating merchants of your choice.
Open-loop wallet
Funds usable anywhere Visa is accepted, just like a traditional general-purpose prepaid card.
A single card can carry any number of wallets at the same time (closed-loop and open-loop, cardholder-owned and corporate-owned funds), so every program shares one card instead of needing its own.
Distribute funds exactly the way your program requires. Cardholder-owned funds are configured to comply with applicable laws, while corporate-owned funds stay under your control, each following its own rules, from expiry to funding policy. For even more flexibility, set the order in which funds are used when a transaction occurs.
Single-use, reload and automatic disbursements: the same capabilities, whichever wallet model and balance structure you choose.
Launch and manage tailored payment programs without assembling and maintaining complex payment infrastructure yourself.
Core technology
Experiences
Operations & integration
We currently offer three ready-to-use card programs to power your solution:
Hello Classic Card
Built-in ID verification
Hello Instant Card
For in-person distribution
Hello Flex Card
100% digital
Wallets
Open + closed loop
Closed loop only
Open or closed loop
Reloadable
Yes
Yes
No
Form factor
Physical
Physical
Virtual (mobile wallet)
Contactless payment
Yes
Yes
Yes
Distribution
Mail only
Mail or in-person
Digital only
Custom design
Yes
Yes
Yes
Hello Classic Card
Built-in ID verification
Hello Instant Card
For in-person distribution
Hello Flex Card
100% digital
Card programs move real money, so security is thought through and documented from day one: authentication, authorization, data confidentiality and more, so gaps are spotted before they matter.
Millions of transactions processed, thousands of automated quality tests on every release, 99.99% uptime and zero security incidents in the platform's history.
Card data moves as unique proxy tokens instead of real card numbers (PANs), so sensitive account details are never stored or passed along where a breach could reach them.
Each client runs in its own environment: data is never shared between clients, and any access outside authorized data is simply denied.
Sensitive data is encrypted in transit on every call, and each client account uses its own encryption keys to protect member information.
Every call to the platform is authenticated and validated against the user's role before it runs. Sign-in is limited to pre-authorized accounts, and integrations authenticate with API keys.
Audit logs trace every sensitive action, and the platform runs under continuous monitoring so issues are caught before they become problems.
Payment network
BIN sponsorship
Issuing processor
Card manufacturing
Mobile wallet
Online payments
Know your customer
Pre-authorized debits
Self-service kiosks
Learn more
FAQ
The Hello Visa prepaid card is issued by Peoples Trust Company under licence from Visa. Hello operates the platform and supports your program day to day.
Card numbers are replaced with tokens (tokenization), data is encrypted, and all access is monitored and audited.
No. Card issuance requires no code, and you manage your program in Business Suite. The API is there only if you want to automate more.
A Canadian customer success team supports you day to day in French and English. Your cardholders also have access to customer service.
Our Canadian team will help you design, launch and run it.
