---
title: "Union54: Debit Card Issuing and BIN Sponsorship"
description: "Issue multi-currency virtual & physical debit cards across Africa via one API: BIN sponsorship, auth, processing & settlement. Based in Zambia."
canonical_url: "https://liners.com/union54"
markdown_url: "https://liners.com/union54.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/union54/screenshot.webp?v=1773044821528"
published_at: "2026-03-11T10:48:58.636Z"
updated_at: "2026-10-03T10:42:38.246Z"
---

# Union54: Debit Card Issuing and BIN Sponsorship

Issue multi-currency virtual & physical debit cards across Africa via one API: BIN sponsorship, auth, processing & settlement. Based in Zambia.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Union54](/union54)

## Summary

Issue virtual and physical debit cards via API

A developer-first card issuing API for African fintechs and software companies to launch multi-currency virtual and physical debit cards with BIN sponsorship and processing.

## Product details

| Field | Value |
| --- | --- |
| Website | https://union54.com/ |
| Tagline | Issue virtual and physical debit cards via API |
| Primary country | Zambia |
| Platforms | Web, API |
| Average rating | 5 |
| Published reviews | 1 |
| Verified listing | No |

## About the product

Union54 is a card-issuing platform for African fintechs and software businesses that need to issue **virtual and physical debit cards** to customers, employees, or merchants through an API.

Key capabilities include:
- **Single API for card issuing operations**, combining **BIN sponsorship**, **authorization**, **processing**, and **settlement** so teams do not need multiple vendors
- **Developer-first integration**, with **RESTful endpoints**, a **sandbox**, and **webhooks** to support faster testing and production rollout
- **Card programme controls**, including **spend limits**, **card controls**, and **team permissions** for corporate cards, delivery fleets, and other controlled-spend use cases
- **Brand customisation and fulfillment**, with support for **custom card design** and **packaging**, plus card production for physical cards

Available via **Web dashboard** and **API** (documentation at docs.union54.technology).

Target users include **B2B teams** such as fintechs, digital banks, payment gateways/acquirers, and other businesses across Africa building programmes like **ledger-linked cards**, **BNPL**, **corporate cards**, and merchant settlement cards.

It is notable in the African market as a Lusaka-based (Zambia) card-issuing provider, founded in 2020 as a spin-out from Zazu, with backing from Y Combinator (S21) and reported seed funding led by Tiger Global.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [BaaS](/tags/baas): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Zambia](/countries/zambia): Market

## Related pages

- [Alternatives](/union54/alternatives)
- [Reviews](/union54/reviews)
- [Transparency](/union54/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/union54)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)