Founded in 1878 in Attica, Ohio, Sutton Bank (FDIC-Insured, Ohio State-Chartered) is an independent community bank that transformed into one of the premier payment card issuers in North America. By combining nearly 150 years of banking tradition with cutting-edge card issuing technology and flexible regulatory sponsorship, Sutton Bank serves as the issuing backbone for iconic digital wallets and FinTech platforms.

Operating nationally through its robust BIN sponsorship engine, Sutton Bank enables non-bank financial companies, digital wallet providers, and specialty lenders to issue branded Visa and Mastercard debit, prepaid, and credit cards. Through pass-through FDIC insurance structures, Sutton Bank ensures that user funds stored within digital ecosystems remain safe, compliant, and accessible worldwide.

• Premier Card Issuing & BIN Sponsorship: Issue customized Visa and Mastercard debit, prepaid, and credit cards backed by one of the industry's most established payment card issuers.

• Digital Wallet & App Integration: Bridge stored-value digital wallet balances with physical and virtual point-of-sale card utility (Apple Pay, Google Pay).

• Pass-Through FDIC Deposit Accounts: Safeguard end-user funds across consumer checking accounts, high-yield deposit structures, and digital wallets with scalable FBO accounting.

• Credit Card & Lending Sponsorship: Sponsor co-branded credit cards, consumer loan cards, and specialized revolving credit programs nationwide.

• Turnkey LendAPI Integration: Connect Sutton Bank’s card issuance, identity verification (KYC/KYB), and deposit rails directly into LendAPI’s visual orchestration workflows.

Key Features

• Nationwide Debit & Credit Sponsorship: Issue branded virtual and physical cards across all 50 states using Sutton Bank’s regulated charter authority.

• Real-Time Auth-Stream & Processing: Support real-time authorization messaging, dynamic spend controls, and custom rewards logic at the transaction level.

• Enterprise-Grade Compliance Oversight: Comprehensive regulatory management covering BSA/AML monitoring, KYC/CIP validation, OFAC screening, and fraud prevention.

• Flexible FBO & Sub-Ledger Architecture: Programmatically manage consumer and commercial deposit accounts with automated ledger synchronization.

• Digital Wallet Tokenization: Seamless, automated provisioning for Apple Pay, Google Pay, and contactless payment environments.