About CARD91 | Redefining Payment Infrastructure with AI
ABOUT US
Powering Payments Ecosystem for Fintechs & Banks
At CARD91, we’ve built secure, scalable, and modular infrastructure that empowers banks and businesses to launch and manage payment instruments.
Honoured to be recognised among LinkedIn’s Top Startups of 2025— a proud moment for CARD91 and our growing fintech journey!
Who are we?
At CARD91, we’re reimagining the way banks and businesses issue and manage payment instruments.
As a leading Issuance Platform-as-a-Service provider, we offer a modular stack that brings flexibility, security, and control to the heart of digital payments.
From Prepaid Payment Instruments and Debit Cards to Credit Cards, Multi-Currency Cards, and UPI-enabled credit lines, our platform seamlessly integrates with global card networks — RuPay, Visa, and Mastercard — to deliver truly scalable solutions.
Founded in 2020 by payments industry veterans and technology experts, CARD91 is driven by the mission to unlock new possibilities for every business and every user.
Our Journey
TODAY
Building the Future of Payments
Partnered with multiple banks in India, and now looking to expand our tech platforms to new markets.
2024
Expansion & Scaling
Expanded to Mumbai, Delhi, and Chennai, continuously growing our footprint to power the future of payments in India and beyond.
2022
Funding
Secured $13M in a pre-Series A round led by Infinity Ventures, Point72 Ventures, Sabre Partners, EMVC, and Commerce Ventures.
2020
Established
Founded by seasoned entrepreneurs with deep expertise in payments, lending, and tech, backed by a team from IITs and top institutions.
Certified. Compliant. Secure
Life at CARD91
At CARD91, we know fintech is more than just numbers—it’s about passion, innovation, and people.
Every day is an adventure: solving challenges, collaborating with brilliant minds, and of course, pausing for a quick tea break to recharge.
Curious, creative, and driven—that’s the CARD91 spirit.
Under The Leadership
Leadership Cards
Ajay Pandey
Ajay Pandey, founder of CARD91, is a serial entrepreneur with 20+ years of experience in creating and scaling businesses from ground zero. At CARD91, he oversees sales, partnerships, product strategy, and client implementations.
A.G. Ramakrishna
A.G. Ramakrishna has over 25 years of experience in the banking and financial services domain with Citi and Nium. At CARD91, he drives new product strategy and manages strategic relationships with industry stakeholders.
Puneet Mathur
Puneet Mathur has over 20 years of experience in enterprise architecture strategy, implementation, and system integrations. At CARD91, he is responsible for all the business/banking integrations and implementation efforts.
Our People, Our Priority
CARD91 ensures full compliance with the PoSH Act, 2013 through a functioning Internal Committee, updated policy, and regular employee training. We’re committed to maintaining a safe, respectful, and inclusive work environment.
For any concerns or complaints, please contact us at poshcommittee@card91.io
Member Of
Monepeak Fintech Private Limited
1st Floor, 1614, Enzyme 7th cross, 19th Main Rd, Sector 1, HSR Layout, Bengaluru, Karnataka 560102