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Building Agile
and Customized

Payment Instruments for digital native customers


Company Overview

CARD91 is an Issuance Platform-as-a-Service company. CARD91 offers unparalleled technology infrastructure to banks, SMEs, corporates & fintech, helping them issue payment instruments (PPI, Debit, Credit & Multi-Currency) to their customers, vendors, partners, and employees thereby enabling faster decision making, controlling, and view on transactions.

CARD91 has raised $14 million in funding till now in a pre-Series A round led by Infinity Ventures, Point72 Ventures, Sabre Partners, EMVC, and Commerce Ventures along with marquee angel investors. The company is headquartered in Bengaluru with offices in Mumbai, Delhi, and Chennai

CARD91’s ability to support multiple payment instrument agnostic use cases strengthens its vision of making issuance seamless and faster for the customers. The cutting-edge technology consists of an Issuer Processor (switch), a card management system, a fully configurable program manager layer, and a host of other ancillary products accentuating issuance. The products empower banks and businesses to get simplified, scalable, secure, and faster card issuance and processing services.

CARD91’s products cater to glocal requirements and the deep collaboration with card networks like RuPay, Visa, and Mastercard provides an opportunity to scale the products for customers globally.

CARD91 was founded in early 2020 by Ajay Pandey, Vineet Saxena, and Kush Srivastava, prominent tech entrepreneurs in the industry with expertise in payments & lending, sales, and scaling products, holding degrees from prominent IITs. The founders have previously exited from successful companies like Myntra and Mastiff.

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Ajay Pandey

CEO & Co-founder

Ajay Pandey, co-founder of CARD91, is a serial entrepreneur with 20+ years of experience in creating and scaling businesses from ground zero. At CARD91, he looks after the sales, partnership’s functions (client, network, banks, and other financial institutions), new product strategy, and client implementations.


Vineet Saxena

COO & Co-founder

Vineet Saxena, the co-founder of CARD91, is a first- generation entrepreneur. Over his 23-year career, Vineet has built and managed several businesses and functions. At CARD91, he oversees human resources (policies and recruitment), finance, marketing, branding, and external positioning along with overall administration.



Chief Product Offer

A.G.Ramakrishna, Chief Product Offer of CARD91, has over 24 years of experience in the Banking and Financial Services domain with Citi and Nium. At CARD91, he is responsible for driving the new product strategy and the company’s strategic relationship with various industry stakeholders.

Amit Shah

Chief Business Officer

Amit Shah is a seasoned finance professional with more than 24 years of experience across roles in Client Coverage, Business Development, Strategy, Product & Risk Management in Corporate & Investment Banking, and in Fintechs. Amit joined CARD91 in July 2021 and is responsible for developing and rolling out the go-to-market strategy for the company.


Navneet Kumar

Chief Technology Officer

Navneet Kumar has over 20 years of experience building technology products to solve business problems, particularly in the banking and financial services sector. At CARD91, he is responsible for all things technology.

Puneet Mathur

VP - Client Solutioning

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.