allpay.cards
- Founded
- 2008-01-01 in Hereford, United Kingdom
- Headquarters
- Fortis et Fides, Whitestone Business Park, Whitestone, Hereford, Herefordshire HR1 3SE, United Kingdom
allpay cards is a UK-based card manufacturing and personalisation bureau that has been operating since 2008 as a division of allpay Limited, a payments technology group founded in 1994. Headquartered in Hereford, England, the company is accredited by both Visa and Mastercard and specialises in the end-to-end production of plastic payment cards, including embossed, printed, dual-interface, contactless, and virtual cards. It serves financial institutions, fintechs, government bodies, and corporate clients, offering services that span design, manufacturing, encoding, personalisation, secure mailing, and inventory management. The division has manufactured and mailed over 14,000 cards for clients such as Fire and supported the launch of LHV Bank’s UK current account. Its parent company, allpay, processes more than £9.8 billion in transactions annually and works with over 200 local authorities and 500 housing associations. allpay cards positions itself as a complete solution for card programmes, leveraging a cloud-based portal and API for seamless integration. The company differentiates on speed-to-market, reliability, and the ability to handle both high-volume and bespoke card issuances, while also offering environmentally conscious options like recyclable cards.
Detailed Review
History and Background
allpay cards was established in 2008 when its parent company, allpay Limited, achieved Visa and Mastercard accreditation. The division operates from the group’s headquarters in Hereford, alongside a purpose-built production facility completed in 2006. The parent company was founded by Tony Killeen in 1994 as a debt collection agency that evolved into a payments technology group.
Products and Services
The bureau offers a comprehensive suite of card production services: design and artwork, plastic card manufacturing (including standard embossed, printed, and high-security dual-interface or contactless variants), encoding, personalisation (chip, magnetic stripe, signature panels), and secure mailing directly to cardholders. It also supports virtual card issuance and inventory management for ongoing programmes. A cloud-based web portal allows clients to manage orders, monitor stock, and track dispatches via API integration.
Market Position and Recent Developments
allpay cards differentiates itself through speed-to-market and reliability, as demonstrated by its seven-year partnership with payment firm Fire, during which it produced over 14,000 Mastercard debit cards with no complaints. The division also played a key role in Equals’ launch of currency expense cards and LHV Bank’s UK current account. In 2025, it soft-launched DOSH, a prepaid Mastercard account targeting unbanked and underbanked users, and was shortlisted for UK National Contact Centre Awards. The parent company partnered with The Bank of London to streamline payments for the social housing sector.
Accreditations and Regulatory Framework
The division holds Mastercard accreditation as a card manufacturer and Visa accreditation. It operates under the FCA regulation of its parent company (FRN 900539), which is authorised for the issuance of electronic money. allpay cards itself is not a regulated entity but benefits from the parent’s compliance framework.
Key Products
Card Manufacturing & Personalisation
Design, production, encoding, and personalisation of plastic payment cards including embossed, printed, dual-interface, contactless, and virtual variants.
Secure Mailing Services
Printing and dispatch of cards to cardholders with secure logistics and tracking.
Virtual Cards
Issuance of virtual payment cards for digital wallets and online use.
Instant Issue Cards
On-demand card printing and activation for branch or event use.
Inventory Management & Stock Holding
Managing card stock and re-supply for ongoing programmes via a cloud-based portal.
DOSH
A prepaid Mastercard account launched in soft release in 2025, targeting unbanked and underbanked users; allpay cards handles its physical card manufacturing.
Offices & Headcount
15 employees (approx.)
Key Persons
Notable past members
- Michelle Pacey — Director of Card Services