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Programs that issue cards under their own brand run a co-brand design through Fluz. You supply the artwork and supporting documents; Fluz files them with our processor, sponsor bank, and the card network, and returns a card profile set ID that ties your design to the cards you create.
Custom card art is reviewed and approved by parties outside Fluz — the sponsor bank and Visa or Mastercard. Plan for 6–8 weeks from a complete submission to a production card profile. Do not build launch marketing around an unapproved design.

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Before you start

Confirm you need it

Cards issued on the standard Fluz design need no submission at all. You only need this process if your customers will see your brand on the card.

Pick your card types

Virtual, digital wallet (tokenized), and physical cards each have their own artwork requirements and their own approval steps. Submit only what you will actually issue — every extra type adds review time.

Check for reputational risk

Programs in crypto, cannabis, gaming, and similar verticals are subject to enhanced review, and the design itself is reviewed for anything that could be read as misleading or as an implied endorsement. See specialized verticals →

Complete platform due diligence first

Card art review runs after your entity clears compliance and bank review. Starting the design in parallel is fine; submitting it before due diligence is not. Due diligence →

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What to submit

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Documents

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Artwork files

Virtual card art must show a full 16-digit PAN — networks do not permit a truncated PAN on a virtual card face.

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Sample PAN convention

Artwork proofs must use the network’s reserved sample number so the file is never mistaken for a live account.

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Network requirements

Both networks specify what has to appear on the card face and where. A file that omits any required element is rejected at network review, not at bank review — which costs you the full cycle.
Additional design references are available in the Mastercard Design Center library.
Limited use cards. If the card is restricted — card-not-present only, for example — that restriction has to be disclosed. Displaying “Limited Use” on the card face is optional, but where it does appear it must be clearly visible; otherwise the disclosure belongs in your cardholder materials or in-app. Fluz reviews your disclosure copy alongside the artwork.Visa programs carry one extra approval step (BMAS) that Mastercard programs do not. Budget an additional 1–2 weeks.

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Design rules

Design against a neutral background. Card art is rendered in surfaces you do not control — a design that depends on a specific backdrop will not survive them.
Keep the PAN, CVV, expiration date, and cardholder name legible against whatever sits behind them. Contrast failures are the most common rejection we see.
Hold all brand marks and required elements inside the safe area. Nothing may crowd or overlap the network brand mark.
Use only marks you have the right to use. Third-party logos require documented permission from the mark holder.
Avoid anything that implies a benefit, guarantee, or affiliation the program does not actually provide.

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Approval timeline

Each stage runs in sequence, and a rejection at any stage sends the file back to the start of that stage.

Processor compliance review — 5 business days

Basic KYB on the co-brand entity, confirming registration matches the submitted documents and surfacing reputational risk.

Bank review, entity — 5 business days

The sponsor bank runs its own KYB scan on the co-brand entity and its own reputational risk assessment.

Bank review, collateral — 10 business days

Card art, carrier, and marketing materials are reviewed separately from the entity. This is the longest single stage.

Network program approval — 5–10 business days

Filed with the network: a PIF for Visa, an RPP for Mastercard.

Network art approval, Visa only — 5–10 business days

Digital card art is submitted to Visa through BMAS. Mastercard programs skip this stage.

Card profile creation — 3 business days

Once bank approval lands, a card profile set ID is created for your program. This is what guarantees your cards issue with your art.
Additional setup, where applicable
Tokenization is the long pole. If push provisioning is part of your launch, start it as early as the approvals allow. See digital wallet push provisioning →

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After approval

Your program is assigned a card profile set ID. Fluz attaches it to your platform credentials, so cards created on your program automatically carry your approved design — no change to your integration. Any later change to an approved design is a new submission and runs the full bank and network cycle again. Colors, logos, layout, and disclosure copy are all in scope. Get the design right before you submit rather than iterating through review.

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Submit your card art

Send your artwork files, supporting documents, and marketing collateral to your Fluz contact, or email us directly and we will open the submission for you.

Start a card art submission

Email humans@fluz.app with your program name, the card types you are issuing, and your artwork files attached.
Questions on a design before you commit to it? Reach your Fluz contact or write to humans@fluz.app — a five-minute look at a draft is cheaper than a rejection six weeks in.