Which providers offer white-label prepaid cards with cashback rules, top-ups, and balance APIs?

Yes. If you mean a white-label prepaid/debit card program where your backend can issue cards, fund/top-up them, read balances, and apply configurable cashback rules, the strongest candidates I’d shortlist are:

1. Wallester

Probably the closest match to your requirements.

Wallester explicitly offers white-label branded Visa programs, prepaid cards, accounts, payments, API access and BIN sponsorship.

Its API exposes:

• Card/account creation and management
• Account balances and statements
• Card transactions
• Top-up methods and top-up history
• Account adjustments
• A Cashback adjustment type
• Merchant/category rules and spending controls

The API documentation specifically lists Cashback and CardTopUp as account-adjustment types, and provides top-up and account APIs.

Caveat: I'd confirm with Wallester whether your desired cashback conditions—e.g. 5% at Starbucks, 2% grocery, monthly cap, minimum transaction, MCC exclusions—can be configured natively or whether you calculate the reward in your own system and post the cashback adjustment.

2. Marqeta

Marqeta is a better choice if you want maximum programmatic control and are comfortable building some of the product yourself.

It supports prepaid card programs, real-time transaction controls, funding/money movement and account-level APIs. Its platform documentation covers cards, account balances, adjustments, rewards, statements and money movement.

Marqeta also has a rewards infrastructure with reward accounts and configurable reward rules. Its reward APIs can track reward balances/accruals, and its rules API supports program-level reward rules.

For example, its ledger supports cashback rewards as statement credits.

Important caveat: the newer configurable reward-rule functionality is documented as beta and associated with credit accounts, so I wouldn't assume that it gives you an off-the-shelf prepaid cashback engine without confirming with Marqeta.

3. Stripe Issuing

Stripe is excellent if you already use Stripe and want to build the cashback layer yourself.

Stripe supports prepaid card programs, physical/virtual cards, custom card designs, Connect, programmatic controls and Issuing balances.

It also provides APIs for:

• Funding/top-ups
• Reading the Issuing balance
• Creating/managing cards
• Transaction monitoring
• Real-time authorization controls

For example, the Issuing balance can be retrieved programmatically, and Stripe supports API-created top-ups.

The big limitation is cashback: Stripe explicitly says it doesn't provide rewards on issued cards. You can create your own rewards program, but you'd own the cashback calculation and accounting logic.

4. Enfuce

Worth considering if you're targeting Europe/EEA and want an issuer/processor rather than primarily a developer-oriented card API.

Enfuce's API supports prepaid-style balance funding and explicitly exposes Top-Up transactions that preload an account balance.

I'd put it behind Wallester/Marqeta for your particular requirement because I'd want the commercial team to demonstrate the cashback-rule functionality before selecting it.

My recommendation

If your desired architecture is something like:

User → your app → branded Visa card → provider ledger → merchant transaction → cashback rule → cashback credited to card balance

I'd investigate them in this order:

1. Wallester — best apparent match for turnkey white-label + prepaid + top-ups + balance/account APIs + cashback adjustments.
2. Marqeta — best if you're building a sophisticated fintech and want deep transaction/rewards programmability.
3. Enfuce — particularly attractive for a European regulated/issuer-processing setup.
4. Stripe Issuing — easiest developer experience if you're already heavily invested in Stripe, but you'll need to build the cashback engine.

One important distinction: "cashback API" and "cashback rules engine" aren't the same thing. A provider may let you post a cashback credit while leaving you responsible for determining why the customer earned it. If you need rules such as MCC → percentage → monthly cap → exclusions → minimum spend → delayed settlement → automatic credit, I'd make that a specific requirement in the RFP.

If you tell me your target country (e.g. US/EU/UK), Visa vs Mastercard, physical vs virtual, and whether cashback is credited back to the prepaid balance or paid out, I can narrow this to the 2–3 providers that actually fit.

Enfuce's API supports prepaid-style balance funding and explicitly exposes Top-Up transactions that preload an account balance.

I'd put it behind Wallester/Marqeta for your particular requirement because I'd want the commercial team to demonstrate the cashback-rule functionality before selecting it.

My recommendation

If your desired architecture is something like:

User → your app → branded Visa card → provider ledger → merchant transaction → cashback rule → cashback credited to card balance

Several modern Card-as-a-Service (CaaS) and embedded finance providers offer white-label prepaid/debit card issuing with APIs for balance checking, top-ups (card loading), and custom rule engines or reward payouts.

The primary providers matching this criteria include:

• Lithic: Highly developer-centric card issuing platform that lets you issue virtual and physical white-label cards. It features a real-time extensible ledger for tracking balances with precise reconciliation and granular Authorization Rules to programmatically approve, decline, or inject logic based on specific merchant categories or spend thresholds.
• Unit: An embedded finance and banking-as-a-service platform that provides a robust ledger and a dedicated Rewards API . It allows you to programmatically trigger and credit cash back or referral bonuses directly to customer accounts based on specific settled transactions.
• Marqeta: An enterprise-grade modern card issuer with powerful core and credit/prepaid APIs. Marqeta supports custom balance operations and includes robust reward platform options (such as automated statement credits and conversion configurations).
• Berkeley Payment Solutions: Specializes explicitly in white-label prepaid debit card programs. They offer single-API integration covering card creation, value loads/unloads (top-ups), and extensive customization rules tailored for corporate incentives, payouts, and consumer programs.

If you'd like, let me know:

• Your target geography (US, EU/UK, or global)
• Whether you need physical cards or strictly virtual cards
• Your expected volume or use case (consumer fintech, corporate payout, gig economy)

I can narrow down which provider best matches your technical and compliance requirements.

Yes. If by white-label prepaid cards you mean a provider that can supply the issuing/processing infrastructure while your brand owns the customer experience, and you need programmable cashback, funding/top-ups, and balance/transaction APIs, the strongest candidates are:

1. Lithic — probably the closest match

lithic.com has unusually good coverage of your requirements in one stack.

It supports prepaid cards, custom branding, programmable authorization rules, real-time transaction webhooks, and ledger/account infrastructure. Its rewards infrastructure specifically supports cashback, tiered rewards, merchant/MCC-specific earn rates, and real-time rewards balances.

Its ledger also exposes available, pending, and total balances, while funding can be handled through ACH and internal transfers.

Why I'd shortlist it: you can implement something like:

Card purchase → authorization webhook → determine MCC/merchant → calculate 2% cashback → credit rewards balance → expose updated balance in your app. Lithic also explicitly markets white-label branded reward/prepaid programs.

2. Wallester — strong white-label option in Europe

wallester.com is particularly interesting if your target market is Europe.

It offers branded Visa debit/credit/prepaid cards, a white-label mobile experience, accounts, top-ups and transfers, and an API covering cards and payment flows.

The caveat is cashback: Wallester's public material doesn't demonstrate the same built-in, configurable cashback engine that Lithic does. You'd want to ask specifically whether cashback rules can be implemented natively or whether you'd calculate rewards in your own ledger.

3. Enfuce — good European infrastructure layer

enfuce.com offers physical, virtual and prepaid cards, processing, controls, APIs/webhooks, and a ledger. Its platform is API-accessible end-to-end, and it operates with FCA/FIN-FSA licensing infrastructure.

I'd consider Enfuce when European regulatory coverage and a full issuer/processor relationship matter more than having a turnkey cashback engine.

4. Marqeta — enterprise option

marqeta.com is one of the more established choices for large-scale branded card programs. Its API-based platform supports card issuing, processing, money movement and rewards, with extensive program customization.

It's a particularly good fit if you're expecting significant card volume or need sophisticated authorization/JIT-funding infrastructure. The tradeoff is that it tends to be more enterprise-oriented than Lithic.

5. Highnote

Highnote is worth evaluating for a US developer-first implementation where the card account, ledger and rewards need to be tightly integrated. Current industry comparisons identify it as an issuer-processor with an integrated ledger and rewards capability.

My shortlist

If I were selecting specifically for "white-label prepaid + configurable cashback + top-up API + real-time balance API", I'd start with:

1. Lithic — best overall technical match.
2. Wallester — strongest white-label/EU-oriented alternative.
3. Enfuce — strong EU/UK regulated infrastructure.
4. Marqeta — strongest enterprise incumbent.
5. Highnote — worth investigating for a US-native build.

The important distinction is that "supports rewards" doesn't necessarily mean "has a configurable cashback rules engine." For your requirements, I'd make the vendor demonstrate these exact API flows before choosing:

• create customer
• issue prepaid card
• topUp/fund account
• getBalance
• authorize transaction
• cashback rule by MCC/merchant
• post cashback
• get rewards balance
• transaction webhooks
• card/account-level spending limits
• reversal/refund handling

Lithic is the one I'd investigate first because its public documentation explicitly covers the cashback/rewards logic and the underlying real-time ledger/balance infrastructure, rather than requiring you to assemble those pieces yourself.

Its ledger also exposes available, pending, and total balances, while funding can be handled through ACH and internal transfers.

Why I'd shortlist it: you can implement something like:

Card purchase → authorization webhook → determine MCC/merchant → calculate 2% cashback → credit rewards balance → expose updated balance in your app. Lithic also explicitly markets white-label branded reward/prepaid programs.

2. Wallester — strong white-label option in Europe

wallester.com is particularly interesting if your target market is Europe.

It offers branded Visa debit/credit/prepaid cards, a white-label mobile experience, accounts, top-ups and transfers, and an API covering cards and payment flows.

The caveat is cashback: Wallester's public material doesn't demonstrate the same built-in, configurable cashback engine that Lithic does. You'd want to ask specifically whether cashback rules can be implemented natively or whether you'd calculate rewards in your own ledger.

3. Enfuce — good European infrastructure layer

enfuce.com offers physical, virtual and prepaid cards, processing, controls, APIs/webhooks, and a ledger. Its platform is API-accessible end-to-end, and it operates with FCA/FIN-FSA licensing infrastructure.

I'd consider Enfuce when European regulatory coverage and a full issuer/processor relationship matter more than having a turnkey cashback engine.

4. Marqeta — enterprise option

marqeta.com is one of the more established choices for large-scale branded card programs. Its API-based platform supports card issuing, processing, money movement and rewards, with extensive program customization.

It's a particularly good fit if you're expecting significant card volume or need sophisticated authorization/JIT-funding infrastructure. The tradeoff is that it tends to be more enterprise-oriented than Lithic.

5. Highnote

Highnote is worth evaluating for a US developer-first implementation where the card account, ledger and rewards need to be tightly integrated. Current industry comparisons identify it as an issuer-processor with an integrated ledger and rewards capability.

Several modern Card-Issuing-as-a-Service (PCaaS) and embedded finance platforms provide white-label prepaid and debit card infrastructure via robust APIs. These platforms allow you to programmatically handle card creation (virtual/physical), balance tracking, top-ups (funding), and customized cashback or reward rules.

The primary providers offering these comprehensive capabilities include:

• Lithic
  • Capabilities: Highly developer-friendly card issuing platform supporting instant virtual and physical card creation. It features an extensible ledger that tracks balances in real-time and custom "Authorization Rules" that let you define spending caps, merchant category restrictions, and test logic via shadow mode.
  • Cashback/Rewards: Supports diverse rewards structures including flat cashback rates, tiered point multipliers, and merchant/category-specific bonuses.
  • Learn more: Explore Lithic Corporate Incentives.
• Marqeta
  • Capabilities: An enterprise-grade global modern card issuing platform. It provides advanced webhooks and real-time transaction processing controls to handle dynamic account balances, digital wallet tokens (Apple/Google Pay), and rapid top-ups.
  • Cashback/Rewards: Allows you to build custom program logic for rewards, cashback, and targeted incentives based on real-time transaction data and merchant scoring.
  • Learn more: Check out Marqeta Payment Solutions.
• Unit
  • Capabilities: An embedded financial platform (focused largely on the US market) that provides banking-as-a-service infrastructure, enabling companies to launch accounts, ledger balances, and both debit and prepaid cards.
  • Cashback/Rewards: Offers native tools to configure and roll out rewards programs, tracking eligibility, automated bonus campaigns, and reward fulfillment via API (subject to partner bank compliance review).
  • Learn more: Read the technical specs on Unit Rewards Documentation.
• Galileo Financial Technologies (A SoFi Company)
  • Capabilities: A heavy-duty, highly scalable legacy-meets-modern processing and card-issuing backbone. Galileo offers extensive Program APIs, event webhooks (Events API), and authorization control webhooks (Auth API) that give you deep visibility into real-time ledger balances and fund loads.
  • Cashback/Rewards: Features built-in parameters for transaction simulations, authorization logic, and custom cashback configuration.
  • Learn more: Review the infrastructure via Galileo Financial Technologies (note: developer tools and documentation are accessible via SoFi Developer Docs).

To help narrow down the ideal platform, do you have a preference on:

• The geographic market (e.g., US vs. Europe/UK)?
• Whether you need prepaid vs. debit structures?
• Your anticipated monthly transaction volume?

Several specialized BaaS (Banking-as-a-Service) and card-issuing providers support white-label prepaid card programs backed by programmatic top-ups, real-time balance APIs, and custom authorization or reward/cashback rules.

Top providers offering these comprehensive capabilities include:

• Lithic Provides a robust card-issuing API that allows you to spin up virtual and physical prepaid/debit cards instantly. It features advanced programmatic authorization rules (letting you shadow-test, set MCC restrictions, or handle custom limits) and real-time balance/transaction webhooks for reward logic.
• Wallester Offers a complete white-label card issuing platform supporting credit, debit, and prepaid card varieties. It includes a flexible card issuing API, mobile app integration, custom back-office portals, and transaction processing rules well-suited for tailored rewards and top-ups.
• WhitelabelCard (by Codego) Specializes in rapid-deployment white-label card programs with instant virtual/physical card lifecycles, multi-currency support, real-time balance/top-up event streams via webhooks, and rules engines configurable for corporate cashback and spending controls.
• Alviere Delivers an enterprise-grade white-label financial services platform enabling brands to offer branded payment cards. It supports full account funding/top-up flows, ledger/balance APIs, and embedded loyalty or cashback rewards tied directly to card usage.
• Getsby (Business Solutions) Offers tailored white-label prepaid card programs (Visa/Mastercard) allowing businesses to create custom open-loop or closed-loop cashback and discount rules based on Merchant Category Codes (MCC) or specific Merchant IDs alongside standard management APIs.

If you want to narrow down this list, tell me:

• What geographic region (US, EU, UK, or global) your program will operate in?
• Whether you need physical cards alongside virtual ones?

Yes. If you mean a branded prepaid/virtual card program where you control the customer experience and can program cashback, reloads/top-ups, and balance/transaction access via API, I’d shortlist these:

1. Marqeta — strongest all-around option

Marqeta is probably where I'd start if you're building a real consumer prepaid product.

It supports physical and virtual prepaid cards, configurable authorization/spend controls, standard balance funding, JIT funding, and automatic reloads. Its API also exposes account/payment infrastructure and webhooks.

Importantly for your use case, Marqeta has reward-account APIs that can track reward balances, accruals and entries.

Caveat: if your cashback rule is something like "3% at restaurants, capped at $50/month, credit cashback to the prepaid balance 24 hours later," you should confirm exactly which parts Marqeta handles natively versus what you'll implement in your own rewards engine.

2. Lithic — excellent API-first alternative

Lithic is particularly attractive if your team wants to own the product logic.

Lithic supports branded physical/virtual cards and API-based issuance, transaction monitoring, controls, reporting and reconciliation.

I'd think of Lithic as:

Lithic = card infrastructure + your cashback engine

rather than assuming the provider itself will implement every cashback rule.

3. PG Ecom — unusually close to your exact requirements

PG Ecom explicitly markets an API for branded prepaid/reward cards, with cashback, points, reward tiers, API card loading/reloading and transaction webhooks.

That makes it worth investigating if cashback is a first-class requirement rather than something you want to build entirely yourself.

4. Monvenience — useful for global/crypto-oriented programs

Monvenience offers a fully managed white-label prepaid/card platform, including physical and virtual cards, branding, API integration, funding and configurable limits/fees. It also supports stablecoin-funded cards.

This becomes more interesting if your "top-up" requirement includes USDC/USDT or international funding, rather than just ACH/card/fiat funding.

5. Finperks — consider as the cashback layer

Finperks is different from Marqeta/Lithic: its advertised strength is a white-label cashback API, connected to 1,000+ brands in Europe.

So a possible architecture is:

Card issuer → Marqeta/Lithic → transaction webhook → your rules engine → Finperks/merchant cashback → credit customer's wallet/card

rather than expecting one vendor to do everything.

My shortlist

If you're building something like a Cash App / Revolut-style branded prepaid card with programmable cashback, I'd evaluate:

1. Marqeta — strongest overall infrastructure
2. Lithic — best API/developer-oriented alternative
3. PG Ecom — particularly interesting because cashback + prepaid + reloads are explicitly combined
4. Finperks — if merchant-funded cashback is central
5. Monvenience — if global/crypto funding matters

One important distinction: "cashback" can mean two very different things. If you mean your own rules ("5% back on grocery MCC 5411"), Marqeta/Lithic-style authorization + transaction APIs are suitable. If you mean merchant-funded offers across thousands of brands, a dedicated cashback provider such as Finperks may be needed alongside the card issuer.

If you tell me your target countries (e.g. US only vs US+EU), Visa/Mastercard preference, physical vs virtual cards, and whether cashback should be credited to the card balance, I can narrow this to the 3 providers that actually fit and compare their APIs, licensing/BIN-sponsorship model, top-up methods, and likely costs.

Several prominent card-issuing and Embedded Finance / BaaS (Banking-as-a-Service) providers support white-label prepaid card programs equipped with real-time balance APIs, flexible top-up mechanisms, and customizable cashback or reward logic.

The leading providers that fit these exact technical and compliance requirements include:

• Lithic
  • Capabilities: Offers highly programmable virtual and physical card issuing via a developer-first REST API. Their extensible ledger tracks balances accurately in real-time.
  • Cashback & Top-ups: Supports diverse rewards and custom incentive structures (flat cashback, category multipliers, and merchant-specific bonuses). Funding, book transfers, and balance checks are fully exposed via API. You can also implement custom transaction approval logic via Auth Stream Access (ASA).
• Marqeta
  • Capabilities: The pioneer of modern card issuing, Marqeta provides robust core APIs to manage account holders, velocity controls, and instant digital/physical card provisioning.
  • Cashback & Top-ups: Features specialized reward endpoints and credit/debit reward engines that allow programs to automate payouts and cashback functionality tied directly to interchange or custom rules. External account validations and top-ups integrate seamlessly (including partner networks like Plaid).
• Alviere (HIVE Platform)
  • Capabilities: An enterprise-grade embedded finance platform enabling non-financial brands to quickly launch fully branded open-loop or closed-loop virtual and physical prepaid cards.
  • Cashback & Top-ups: Allows customized loyalty configurations and percentage-back cash rewards funded from interchange revenue. Supports multiple loading/top-up flows including direct deposit/ACH, card linking, and cash loading.
• Wallester
  • Capabilities: A powerful European white-label card issuing and processing platform providing a ready-to-use API stack, mobile apps, and back-office controls for Visa prepaid and debit card programs.
  • Cashback & Top-ups: Features multi-currency account management, automated balance replenishment/top-ups via IBAN or linked accounts, and granular sales-category transaction rules.
• ConnectPay
  • Capabilities: Best suited for digital businesses and marketplaces needing a compliant, embedded financial infrastructure with multi-currency IBANs and custom card programs.
  • Cashback & Top-ups: Offers single API integration for virtual and physical white-label debit/prepaid cards, complete with flexible spend/cashback parameters and real-time balance tracking.

If you'd like to narrow down these options, let me know:

• Your target geographic market (US vs. Europe/EEA)
• Expected launch timeline
• Whether you have your own BIN sponsor/license or need a turnkey provider with regulatory backing

I can help you select the most cost-effective architecture for your project.

If you mean a fintech-ready white-label prepaid card program where you own the customer experience and can implement cashback/rewards rules, card top-ups, and balance APIs, the main categories of providers are:

More specialized providers that explicitly cover rewards/cashback + prepaid balances:

• PG Ecom — supports branded prepaid/reward cards, API loading, transaction webhooks, and building cashback/points logic on top of card infrastructure.
• Fyatu — offers prepaid card issuing APIs with programmatic loads, real-time balance management, and balance APIs/webhooks.
• Percents — focuses on white-labeled reward balances, merchant-funded rewards, and API-based reward experiences.
• Giftbit — more rewards/gift-card oriented than open-loop prepaid, but useful for branded incentive and reward issuance workflows.

For a product with “card + cashback engine + wallet balance + top-ups”, I would typically evaluate providers against this architecture:

Customer app
    |
    | API
    v
Your rewards/cashback engine
    |
    +--> Card processor (authorization, transactions)
    |
    +--> Ledger/balance service
    |
    +--> Funding rails (ACH/card/bank transfer)
    |
    +--> Cashback wallet / redemption rules

Key APIs to verify during vendor selection:

• Card issuance API — create physical/virtual cards
• Card lifecycle API — activate, freeze, replace, terminate
• Balance API — current available balance, ledger entries
• Load/top-up API — add funds, scheduled reloads, bulk loads
• Transaction webhooks — real-time purchase events for cashback calculation
• Authorization rules engine — MCC/category limits, merchant rules
• Rewards ledger — cashback accrual, expiry, redemption
• BIN sponsorship / licensing model — determines regulatory burden

If your goal is a consumer cashback prepaid card (like a rewards debit card), the shortlist would usually be different from a corporate expense card, payroll card, or crypto-funded prepaid card.

Several prominent Card-Issuing and Banking-as-a-Service (BaaS) platforms offer fully white-labeled virtual and physical prepaid cards equipped with balance tracking APIs, top-up capabilities, and rule-based reward/cashback engines.

Top providers supporting this specific feature set include:

• Lithic Provides a robust card-issuing and spend-control API that allows you to instantly issue virtual and physical prepaid/debit cards. It features real-time authorization webhooks, custom spend limits, and flexible balance management ideal for corporate incentives, rebates, and programmatic cashback reward frameworks.
• Treezor (a Société Générale subsidiary) Offers a comprehensive white-label card issuing framework across Europe. It includes a dedicated Merchant Decision Control (MDC) rule engine to authorize payments based on custom parameters, extensive API endpoints for balance checks, and support for automated ledger top-ups and rewards.
• Wallester Delivers an end-to-end white-label card issuing platform with BIN sponsorship and powerful APIs. It supports custom front-end applications, real-time transaction processing, balance monitoring, and flexible configuration for corporate or consumer loyalty programs.
• Getsby (Business) Specializes in white-label prepaid Visa and Mastercard programs. They allow businesses to configure closed or open-loop card solutions, set up custom discount and cashback logic tied to Merchant Category Codes (MCC), and manage card loads/top-ups.
• Airwallex Offers embedded finance and white-label card issuing APIs that handle global multi-currency balance management, fast top-ups, and automated transaction processing without forcing you to build out underlying compliance or banking infrastructure from scratch.

If you'd like to narrow down the best fit, let me know:

• What geographic region or markets will your users be spending in?
• Do you need physical cards or strictly virtual cards?
• What is your expected monthly transaction volume?

Yes. If your requirements are white-label/prepaid cards + programmable cashback rules + card top-ups + balance/ledger APIs, the strongest candidates I’d shortlist are:

1. PG Ecom — closest feature match

This is probably the first one I'd investigate for your particular specification. Its card API explicitly supports branded prepaid/reward cards, API-based loading/reloading, transaction webhooks, and building cashback rules, points calculations, reward tiers and spend rules on top of the card infrastructure.

The important distinction is that PG Ecom appears to give you the infrastructure while allowing your application to define the cashback engine, rather than forcing you into a fixed rewards program.

2. Marqeta — strongest enterprise-grade option

Marqeta is a very good choice if you're building a serious fintech/card program and want granular authorization and funding controls. It has programmable card issuing and JIT funding, and its API now includes reward-rule management. The rewards-rule API is currently described as beta, so I'd verify availability for prepaid programs with sales.

3. Stripe Issuing — excellent API/funding stack, weaker native cashback fit

Stripe gives you a particularly clean API architecture: card issuance, authorization decisions, an Issuing balance, API-driven top-ups, and programmatic balance tracking. Its documentation specifically describes using the Balances API to monitor the Issuing balance and automatically trigger top-ups.

The caveat: I'd treat cashback as an application-level feature rather than assume Stripe Issuing provides a turnkey prepaid cashback engine. Stripe does have explicit rewards capabilities in its newer consumer-credit stack, but that's a different product from standard Issuing.

4. Paymentology — particularly interesting for true prepaid

Paymentology's Card API is explicitly a prepaid card management API: it stores the customer's balance, supports virtual/physical cards, and handles authorization against the stored-value balance. Its Companion API instead lets you keep the balance in your own SVA/wallet.

That makes it attractive if your architecture is:

your wallet/ledger → card processor → Visa/Mastercard

rather than wanting the card vendor to own the entire wallet experience.

5. Wallester — strongest turnkey white-label proposition

Wallester is particularly compelling if your target market is EEA/UK. It offers branded physical/virtual cards, BIN sponsorship, accounts, top-ups, payments, a REST API and a white-label mobile app. It explicitly markets prepaid cards as one of its supported products.

Its weakness relative to PG Ecom/Marqeta is that I wouldn't assume native cashback-rule management; you'd likely implement the reward engine from transaction events.

6. Lithic — excellent programmable-card infrastructure

Lithic supports credit, debit and prepaid cards, real-time authorization/risk decisions, and has its own debit/credit ledgers and settlement APIs.

It's particularly attractive if your cashback model is something like:

merchant transaction → webhook/authorization → evaluate merchant/MCC/category → calculate 1–10% cashback → credit user's wallet → expose updated balance

rather than requiring the issuer to provide the entire rewards program.

My ranking for your exact requirements

If cashback rules are a hard requirement:

1. PG Ecom — best apparent feature match
2. Marqeta — best enterprise/programmable option
3. Paymentology — best true prepaid/ledger infrastructure
4. Stripe — best developer ecosystem and funding APIs
5. Wallester — best turnkey white-label in Europe
6. Lithic — excellent programmable US infrastructure

One important architectural point: "cashback rules" and "balance API" are often separate products. The cleanest architecture is usually to let the issuer handle card authorization, funding, settlement and transaction webhooks, while your own rewards ledger determines cashback and credits it to the user's balance. That gives you much more flexibility for rules such as 5% at grocery stores, 2% everywhere else, $50 monthly cap, exclude refunds, cashback only after settlement, etc.

If you tell me your target country (US/EU/global), physical vs. virtual cards, and whether users top up by bank/ACH/card/crypto, I can narrow this to the 2–3 providers that actually fit and compare fees, BIN sponsorship, API endpoints, KYC, minimums, and cashback mechanics.