&card: The Digital Prepaid Mastercard
For payouts and subsidies.
For public authorities, administrations and NGOs.
Transparent, efficient, secure.
Your processes, digitally transformed
Maximum impact with minimal effort: the &card is an all-in-one solution with a clear pricing structure, seamless integration and custom app options. The modular digital infrastructure distributes funds quickly, securely and for their intended purpose. Payouts run automatically, with full compliance and complete transparency.
The benefits of the &card
Compared with physical alternatives such as paper vouchers, the &card offers comprehensive advantages.
All-in-one platform for virtual and physical cards
Custom app built for specific requirements and designs
Easy to use with Apple Pay and Google Pay
Comprehensive spending control: restrict use, for example for online shopping and merchant groups
High adaptability: custom solutions for specific requirements and processes
Simple setup saves time and resources
Targeted control ensures compliance and accuracy
Proven solution, unlimited use.
Benefit from a solution that has already proven itself in public administration. With the &card, you distribute funds efficiently and securely in any sector.
Granular controls keep you fully in charge: define geographic limits, block channels (for example no cash withdrawals) or restrict use to specific merchant groups and age groups via MCC codes.
This precise control makes the &card the ideal solution for the following areas:
Public administration and ministries
Focus: less bureaucracy and compliance
Our solution automates grant payments such as energy or education subsidies. It ensures funds are used for their intended purpose, meets all EU guidelines and, through automatic reports, greatly reduces your administrative workload.
NGOs and
humanitarian aid
Focus: speed and traceability
Crises demand fast action. Distribute aid securely, transparently and without cash. Our digital solution guarantees that 100% of your donations arrive, fully documented, exactly where they are needed.
Social and healthcare institutions
Focus: budget control and inclusion
Digital instead of analog: replace paper vouchers and cash payments with our smart solution. Manage budgets individually and promote the self-reliance of your clients.
Best practice: the Austrian Ministry of Social Affairs
Success story SchulstartPlus!: for one of Austria's largest digitization initiatives, the Ministry of Social Affairs relied on the &card. Families received their subsidy without bureaucracy, directly as a digital prepaid Mastercard. The result: fewer collection points, and instead purpose-bound support that could be used in stores right away.
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"Das SchulstartPlus! Projekt zeigt sehr eindrücklich, wie gut Digitalisierung in der öffentlichen Verwaltung funktionieren kann. In Zusammenarbeit mit & haben wir komplexe Abläufe digitalisiert und ein effizientes Kontrollsystem geschaffen. Für unsere Zielgruppen haben wir gleichzeitig eine zugängliche und sichere Anwendung entwickelt. Der Erfolg: schlanke Prozesse und hohe Akzeptanz bei den Nutzer:innen."
Trusted by top companies around Europe
Your next step
In a 20-minute, no-obligation initial call, we will work out together how the &card can simplify your use case.
Simply choose your preferred time via the link and receive a confirmation by email.