Newline by Fifth Third has announced a collaboration with Visa that enables eligible U.S.-based fintech companies to offer corporate cards in more than 40 countries.

Announced at Money20/20 USA 2026, the collaboration allows eligible U.S.-based fintech companies to offer Visa corporate cards for approved business use cases across more than 40 countries through Visa’s Multinational Program.

Newline by Fifth Third has announced a collaboration with Visa that enables eligible U.S.-based fintech companies to offer corporate cards in more than 40 countries. Unveiled during Money20/20 USA in Las Vegas, the initiative uses Visa’s Multinational Program (MNP) to support international business spending through locally issued cards.

The solution targets fintech companies serving businesses with operations, employees and expenses across multiple countries. It is designed to address challenges associated with international corporate card usage, including cross-border fees, currency conversion costs and inconsistent payment acceptance.

Local Corporate Cards for International Businesses

Under Visa’s Multinational Program, corporate cards are issued for local use in the cardholder’s country. Transactions are authorized in the local currency and processed in the same manner as locally issued card transactions.

This structure is intended to reduce payment friction when employees make business purchases outside the United States.

Eligible fintech companies can manage approved international card programs through their existing relationship with Newline, without having to establish a separate banking relationship in each supported market.

Potential use cases include human capital management platforms, expense management providers and vertical software-as-a-service businesses serving multinational customers.

Embedded Banking Infrastructure Supports Expansion

Newline, a division of Fifth Third Bank, provides banking and payment capabilities through an API-driven embedded finance platform.

Its infrastructure supports BIN sponsorship and enables enterprise customers to develop payment, card and deposit products directly with Fifth Third Bank.

The collaboration combines Newline’s embedded banking infrastructure and risk management framework with Visa’s international card acceptance capabilities.

“This is what enterprise fintech can look like when you combine the history of innovation and scale of an institution like Fifth Third with the global reach of a network like Visa,” said Sushil Raja, General Manager of Newline by Fifth Third.

Raja highlighted the ability to support card issuance across more than 40 countries while maintaining the bank’s existing risk and compliance standards.

Visa’s Multinational Program Extends Local Payment Capabilities

Visa’s Multinational Program is designed to give internationally operating businesses a more localized payment experience.

“Our Multinational Program was built to make paying across borders feel local,” said Chris Baker, Head of Commercial and Money Movement Solutions, North America, at Visa.

Through the collaboration, eligible fintech clients of Newline can offer corporate card programs in permitted countries while managing their approved programs through an established banking relationship.

Cards will be issued by Fifth Third Bank, National Association.

Availability Subject to Regulatory and Program Requirements

The service is available only to eligible U.S.-based fintech clients for approved business expenses and permitted use cases.

Participation remains subject to onboarding, due diligence, financial crime prevention, sanctions screening, regulatory requirements and country-specific approvals.

The availability of a country within the program does not automatically mean that a fintech company, corporate customer or proposed card program has been approved.

The announcement reflects growing demand for embedded financial services that can support companies operating across international markets.

For fintech platforms offering workforce management, corporate expense management and other business services, access to international card issuing capabilities could help integrate financial products more closely into existing software workflows.