Visa and MasterCard don't partner directly with anyone apart from issuing banks/principal partners. That costs around $1m per region per card scheme. 

Most programs actually involve 3 parties; the card scheme (Visa/MC), the principal partner (bank) and a card management company. We are the latter. 

We have partnered with multiple issuing banks and work with them to provide both B2C and B2B2C programs (white label).

And don't forget, Zypto isn't just cards!