Galileo

What it is

Galileo is SoFi Technology Solutions, LLC’s issuer-processing and card-issuing platform for banks, fintechs, and brands that want to create and manage payment cards. Current marketing brand on the live site is SoFi Tech Solutions. Banner on current pages: Galileo is now SoFi Tech Solutions. News (April 29, 2026): transitioning from Galileo to SoFi Tech Solutions to reflect an end-to-end platform for fintechs, brands, and financial institutions, while keeping platform neutrality and client-data guardrails. Privacy names the legal entity SoFi Technology Solutions, LLC (STS) and cites the site as https://www.tech.sofi.com/. The same pages still load at galileo-ft.com. News (May 14, 2020): Galileo closed its transaction with SoFi and sits in the SoFi family. This listing uses Galileo as the operator name and SoFi Tech Solutions as the current brand.

The Card Issuing product page sells physical, virtual, and digital-first cards, white-label issuing on the Program API, instant virtual account numbers, one-click push provisioning to mobile wallets, 3D Secure, and bank partners that provide the accounts and issuing services. Feature list on that page includes push provisioning, rewards, deposit sweeps, real-time funding, card token management, Mastercard Smart Data, ATMs, 3D Secure, high and variable interchange, multi-currency BINs, round up, corporate hierarchy, and instant issue. Card shapes named there: gift, secured, virtual, general purpose reloadable, prepaid, debit, contactless, fleet, rewards and incentive, and payroll. Docs (Setting Up a Card Program): a card network routes the authorization to SoFi Tech Solutions. Docs (Choose a Card Strategy): choose a primary network of Visa, Mastercard, or Discover. Blog (BIN Sponsorship): an issuer processor manages authorization, clearing, and settlement on behalf of the issuing bank, and may also support fraud, card management, reporting, and disputes. About contract models: Direct Model (client contracts with the sponsor bank; SoFi Tech Solutions is the processor) or BaaS Model (SoFi Tech Solutions is program manager and processor).

This page is Galileo card issuing for software platforms. Adjacent Galileo products are Galileo’s. They are not this page. Payment Hub, Cyberbank Core, Cyberbank Digital, Secured Credit, Payment Risk Platform, deposits and core accounts, disbursements and payouts, and lending tools sit next to issuing on current Galileo pages.

Who it’s for

Shapes from Galileo’s About, Card Issuing, Open APIs, and docs:

• Fintechs and software platforms launching card programs, which About names as startups and scale-ups building wallets and banking apps, and which Card Issuing sells as white-label programs from card setup through embossing, fulfillment, and activation so the company can issue cards without standing up its own bank and BIN stack.
• Banks issuing or modernizing cards, which About names as traditional and digital banks that want modern infrastructure to launch products, expand, or replace existing systems. Digital banking copy: established banks may want to enhance existing infrastructure; fintechs may need a sponsor bank, BIN setup, and fast product deployment.
• Brands embedding cards, which About names as non-financial companies embedding payments, accounts, or rewards (retail, travel, B2B platforms). Co-brand debit docs target travel, hospitality, and retail loyalty debit programs as a Galileo-managed stack.

A Program Management Partners page lists third-party firms Galileo calls preferred program management partners for B2B and commercial cards, embedded banking, and white-labeled secured credit. That path is Galileo’s. It is adjacent to a software platform that wants Galileo itself as processor or program manager.

Partner intake is Contact sales (homepage and Contact), Request Access to Our Sandbox at /lp/request-access/, and scheduled demos. About: request-only developer sandbox and scheduled demos; Galileo does not offer a public free trial. About onboarding: Discovery with sales, Design with a Business Solution Architect (including sandbox testing), Agreements and pricing with Galileo, the sponsor bank, and any third parties plus regulatory approvals, Build with a technical project management team, then Launch. Same FAQ: some programs launching in as little as three months. Docs Environments: Sandbox is a shared standard program; Client Validation is your configuration with a Galileo representative; Production access is granted by a representative and may need issuing-bank approval. That is not a public self-serve live start.

It is a fit for a software, payments, or brand company that wants branded cards inside the product, will complete a sales conversation and a sponsor-bank path, and does not want to hold the issuing license itself.

Standout details

• Brand, domain, and parent (as printed). Live banner: Galileo is now SoFi Tech Solutions. Rebrand news dated April 29, 2026. Legal name on Privacy and current footers: SoFi Technology Solutions, LLC. Older footers still name Galileo Financial Technologies, LLC as a SoFi subsidiary and not a bank. Canonical marketing domain on Privacy is https://www.tech.sofi.com/. Card Issuing, About, Contact, and docs also load at galileo-ft.com and docs.galileo-ft.com. May 14, 2020 news: Galileo closed its transaction with SoFi. Contact HQ label: Salt Lake City, Utah (HQ), street address 9800 S Monroe Street, 7th Floor, Sandy, UT 84070. Privacy writes to the same Sandy street. Founded year is not printed as a date on current About or Contact. Tenure copy does not agree: homepage 2+ decades / 20+ years, About “over two decades” and “25 years” in the typical-clients FAQ.
• Card formats and networks. Docs card categories: physical, digital (virtual, digital image of a physical card, tokenized). Products: Personalized, Instant Issue, Virtual, Digital First. Virtual First is described as a hybrid path (virtual now, physical later on the same PAN). Instant issue covers gift (fixed, not reloadable, not issued to an individual) and reloadable account (DDA or GPR). Digital First: digital image plus mailed physical card on the same PAN, CVV, and expiry. Card Issuing marketing also names credit, debit, prepaid, fleet, payroll, and secured cards. Docs: primary network Visa, Mastercard, or Discover. Wallet copy on Card Issuing: Visa or Mastercard-branded digital cards to Apple Pay, Google Pay, and Samsung Pay. About: network agnostic, every major card network. Mastercard fleet-card BINs are named in Choose a Card Strategy for enhanced fleet data. Full PAN in API responses requires PCI compliance; otherwise a card identifier (CAD) is used.
• API, auth, and environments. Open APIs page: Program API (accounts and cards), Auth API (participate in approvals and denials), External Trans API (bill payments and ACH debits), Events API (webhooks), Disputes API. Docs Environments: Sandbox (standard prog_id: 6914 / prod_id: 2769, 1000 requests every 10 minutes, client-certificate auth, Request Sandbox Access form, credentials rotate after 30 days), Client Validation (your program, representative-issued Connectivity Guide, no live funds), Production (live funds; some processes need issuing-bank approval). About: 250+ API methods in the developer portal, RESTful APIs, sandbox with realistic test data, dashboard. Embossing: Galileo is integrated with several vendors and introduces you; production emboss typically runs once per day. Card Issuing: Galileo can stand in for cardholder support from activation to lost or stolen reporting. Co-brand debit docs add a white-label web and mobile app, identity verification, Galileo-run fraud rules, IVR and chat, and end-to-end disputes as a managed issuing package. Contact SoFi Tech Solutions to launch that path.
• Processor vs program manager. About: Direct Model (you contract with the sponsor bank; Galileo processes) or BaaS Model (Galileo is program manager and processor). Digital banking and B2B pages: be your own program manager, taking on as few or as many functions as you like, or outsource program management to Galileo. BIN Sponsorship blog: a program manager sources the issuing bank, processor, networks, and vendors; some issuer processors also provide program management; in the US, BINs are issued only by a bank or credit union. Program Management Partners page still uses the Galileo name for a preferred-partner table: BluePenguin (B2B, commercial cards, instant virtual cards), Berkeley, Cliq, Mbanq, Spidr (embedded / digital banking payments), Upwardli (white-labeled secured credit). Those firms are Galileo-named partners, not Galileo itself.
• Banks and licenses (as printed). Footer: SoFi Technology Solutions, LLC is a technology company, not a bank, and partners with issuing banks and other financial institutions. Card Issuing: bank partners provide the accounts and issuing services. About differentiator: connected to 25+ sponsor banks. About integration FAQ: 20+ issuing banks, specialty providers, and card manufacturers. Open APIs: 55+ partner banks, networks and embossers. Those three counts do not agree. Treat them as vendor copy from specific pages. Named issuing-bank partner on current Galileo news and blog: Pathward (formerly MetaBank), N.A., described as providing issuing and banking services while Galileo provides API-based payment processing, including for Clair and Fundbox. Co-brand debit docs: Galileo manages sponsor-bank communication and Visa / Mastercard BIN setup. Privacy: information is shared with financial institution partners including issuing banks. No public list of every sponsor bank is printed. Ask Galileo which bank holds the BIN for your program.
• Ops and pricing. No public platform rate card. About pricing FAQ: transaction-based (authorizations, settlements, declines), optional license and maintenance, add-on tech, and a custom cost model worked with you. Digital banking and B2B pages: priced just for you; sales creates a custom pricing proposal. About fees FAQ: transaction fees, volume-based monthly platform usage, value-added fraud / customer-service / compliance services, and custom work. Docs About Fees describes cardholder fee codes you configure on the product, not Galileo’s published buy rate. This listing does not reprint a fee schedule. Intake is Contact sales plus a sandbox request form. Production is sales-led.
• Geography. Homepage glance: 13 supported countries. About typical-clients FAQ: 14 countries. About international FAQ lists Argentina, Brazil, Canada, Chile, Colombia, Costa Rica, Curaçao, Ecuador, Honduras, Mexico, Panama, El Salvador, United States, and Uruguay, and says Mastercard certified outside the U.S. and Visa certified in Canada and Mexico. Those country counts do not agree. Contact offices: Sandy / Salt Lake City HQ, Buenos Aires, Tandil, Mexico City, Toronto, Montevideo, Quito, São Paulo, Guayaquil, Lucerne, Madrid. Ask Galileo which markets are live for your card program.
• Scale figures are Galileo’s and do not agree across pages. Homepage glance: 100+ platform partners, 135M accounts, 1.7K team members, 2+ decades, 13 countries. About numbers block: 1.7K team members, 100+ platform partners, 135M (accounts). About typical-clients FAQ: more than 160 million accounts, hundreds of billions in annual payment volume, 25 years, 14 countries. About differentiator: hundreds of millions of accounts and hundreds of billions in annual payment volume. About enterprise FAQ: more than 160 million accounts, billions of transactions a year, 1,700+ employees. Treat those as vendor copy from specific pages, not a single audited figure. Javelin Strategy & Research 2025 Digital Issuance Provider Scorecard “top spot” / Best-in-Class is Galileo’s printed claim on homepage and Card Issuing.
• Named on current Galileo product, Open APIs, news, or partner surfaces (vendor-named): Fundbox (Open APIs quote naming SoFi Tech Solutions and Pathward), Clair (news with MetaBank / Pathward and Galileo), BluePenguin, Berkeley, Cliq, Mbanq, Spidr, and Upwardli on the Program Management Partners table. Attribute as Galileo-named partners and quotes, not as independent verification.

Sources: SoFi Tech Solutions, galileo-ft.com, Card Issuing, Open APIs, Payment Hub, Secured Credit, Disbursements, Digital banking, B2B payments, About, Contact, Sandbox request, Program Management Partners, Rebrand news, SoFi transaction news, Pathward spotlight, Clair news, Fundbox news, BIN sponsorship, Program management guide, Connect a card program, Privacy, Docs environments, Setting up a card program, Choose a card strategy, Co-brand debit, Docs portal.

Honest verdict

Galileo is the listing to read when the job is card issuing for a software platform: virtual, physical, and digital-first cards on the Program API, real-time authorization through the Auth API, and either Galileo as processor behind a bank you contract with or Galileo as program manager and processor on the BaaS path. Galileo is not a bank. The BIN and the card-issuing license sit with partner banks.

What it is not: a published platform rate card, a self-serve live start, or a company that holds the issuing license for you. Sandbox access is request-only. Production follows sales, a sponsor-bank agreement, and program setup. Payment Hub, Cyberbank, deposits, secured credit, and disbursements are adjacent Galileo products. They are not the card-issuing job on this page. Public account, partner, country, and tenure figures disagree across homepage and About. If you will not complete a sales and bank onboarding path, stop. If the job is issuing cards inside the product, start here.