Card Processing Leads — Card Issuance, Acquiring & Program Management

Description We are building a verified medical crowdfunding platform that enables U.S.-based donors to fund essential medical treatment for patients receiving care at approved hospitals abroad, with an initial focus on hospitals in Pakistan. Each campaign is tied to a real patient and a specific medical need. Before a campaign goes live, the platform verifies the case with the hospital, including treatment details, patient medical record/reference number, expected cost, and required funding amount. Donors can then contribute online by card toward that specific treatment campaign. A key requirement is that the platform does not hold, control, or transmit the funds. We are seeking a payment processor, licensed money transmitter, payment facilitator, acquiring partner, or regulated payments provider that can process U.S. donor card payments and route the funds directly to the hospital or approved medical provider. The funds should be credited to the patient’s account at the hospital and used only for the verified treatment. In some cases, the hospital may have a U.S.-based Nostro account or another approved receiving account structure. In other cases, cross-border payout capability to Pakistan may be required. We are open to working with partners who can support either model, provided the flow of funds remains compliant and the platform does not become a money transmitter. This is a social impact healthcare payments use case with strong potential for scale. The goal is to make medical giving more transparent, verifiable, and trusted by ensuring that donor funds are connected directly to real medical treatment costs and paid to the healthcare provider. Requirement We are looking for a payments partner that can support: - U.S. donor card processing - Medical crowdfunding and donation-style payments - Campaign-based payment collection and reconciliation - Direct payout to hospitals or approved treatment providers - Cross-border settlement to Pakistan where required - No platform custody, possession, or control of funds - Compliance support so the platform does not become a money transmitter - KYB/KYC review for hospitals, patients, campaigns, and relevant parties - Fraud prevention, chargeback management, and donor payment security - Transparent reporting at campaign, donor, transaction, and hospital payout level - Ability to support future growth across additional hospitals and treatment categories Suggested Processing Volume Initial expected volume: $25,000-$100,000 per month Target volume after onboarding additional hospitals/campaigns: $250,000-$1M+ per month Average campaign size: $2,000-$10,000 Primary payment method: Card payments from U.S. donors

A Chile-focused foreign exchange platform is seeking a provider that can support a credit-card-based USD-to-CLP conversion model. Customers in Chile use USD-denominated credit cards to pay in USD through the platform and receive Chilean pesos directly into their own Chilean bank account. The business has been operating for approximately 2 years through an intermediary partner and is now exploring direct support for processing and related payment infrastructure. Business Model: Customers hold USD-denominated credit cards with a dollar credit limit. They use the platform to convert USD card value into Chilean pesos. The customer’s card is charged in USD, and CLP is disbursed to the same customer’s Chilean bank account. Revenue is earned through the FX spread. Based on the attached flow of funds, the receiving entity may be either: - A U.S. entity in Wyoming, or - A Uruguayan entity A local Chilean exchange/disbursement partner handles the CLP payout to the customer’s Chilean bank account. Required Services: The client is seeking support for one or more of the following: - Credit card processing for USD card charges - USD receiving account / settlement support - FX / payment infrastructure support - Banking or PSP support for USD collection - Support for onward CLP disbursement flow - Providers comfortable reviewing card-funded FX / remittance-style flows Transaction Profile: - Current monthly volume: approximately USD 84,000 - Projected monthly volume by December 2026: approximately USD 420,000 - Average transaction value: approximately USD 1,000 - Projected monthly transactions by December 2026: approximately 420 - Transaction purpose: foreign currency exchange, converting USD credit card balances into Chilean pesos Chargeback / Risk Controls: The client states that chargeback exposure is low and that the model has been structured with controls including: - Full KYC on every customer before first transaction - Name matching between cardholder, KYC profile, and CLP beneficiary bank account - Cardholder and receiving bank account must belong to the same person - Signed contract generated per transaction - Customer acknowledges exact amount and exchange rate per transaction - Approximately 2 years of activity through an intermediary partner with only one chargeback The client does not currently have direct processing statements, as historical volume was processed through an intermediary partner. Geographic Scope: - Customer base: Chile - Card charge currency: USD - Payout currency: CLP - Possible receiving entities: United States or Uruguay - Final disbursement: Chilean bank accounts Key Considerations For Providers: Providers should be comfortable assessing: - Card-funded FX / quasi-cash risk - Chargeback mitigation controls - KYC and name-matching workflows - Same-name cardholder-to-beneficiary restrictions - USD acquiring / processing risk appetite - CLP payout structure through a Chilean local partner - Whether the flow is treated as FX, money transmission, remittance, quasi-cash, or another regulated activity Timeline: Client is open to discussion and can provide additional detail on a call.